Who do I have to pay? And how much to restore my credit?

Question

My credit is not good. My income is. How do I break through the barriers to have perfect credit as quickly as possible?

Answer 1

Greg, it really matters what your credit is like and if you have bad credit or a credit score of N/A

I own a debt./credit consultation business, my website is www.agdebtconsultation.com

feel free to look around and read some info. I also do free consultations

aaron

Answer 2

there is no quick way to restore ur credit. but check ur credit report carefully and make sure diff. agency aren't charging you. I'm going through the same thing  right now. do a pay for delete on smaller debts (make sure on every letter u send make sure they are updating credit bureau). then send for an open account payment plan with larger debt agency reporting to the bureau monthly. but showing good payment history on an account that reports monthly should give u a boost. Check  and make sure the creditors stand up to their end. they ARE LIARS. SO KEEP AN EYE OUT........O AND WHEN YOU DO YOUR PAYMENT PLAN REMEMBER IT IS YOUR PAYMENT PLAN AND  YOU TELL THEM WHAT THEY WILL GET, NOT WHAT THEY'LL ACCEPT. but u got to have discipline

Answer 3

You need a combination of credit repair and a solid tradeline program.  They might even throw in the credit repair for free.  Check out the free evaluation form at www.totaldebtsolutionsllc.com They can help.

Answer 4

If your income is good, I would hire someone to restore your credit for you.  If you do it yourself, it takes a lot of time and certified letters.

Answer 5

Check out this site. Everyone one the boards is wonderful helping with this kind of stuff ...

http://www.debt-consolidation-credit-rep...

Answer 6

Your  credit  score  ( FICO )   is   Your   track   record .

If    you   boogered  it ,   anyone  claiming  to  'restore' it  is  a   scammer .

http://www.myfico.com/

The   only  way  to  perfect  is  to  pay  off  all  your  debts

( no  problem  since  you  have  good  income )

Pay   all  your  current  stuff   on   time ,  NOT  late  and

Wait   7   years  for  the  bad  stuff  to  'fall  off'   expire .

Also  increasing   your  income  so  as  to  have  a  higher   income  to  debt   ratio  would  help .

Good  luck

>

Answer 7

the way to get good scores is to pay or settle your debts and get a pay for delete letter so that all negative marks are removed. negative marks remain for 7 years. You want a clean slate, pay it off but get a pay for delete letter. Pull up your 3 credit reports, see what you owe and offer to pay collections as long as they remove the negative marks off your credit report. Here is an example.

http://www.creditliberty.com/credit-repa...

Good credit scores are just not about paying off your collections and chargeoffs but demonstrating responsible handling of credit. Talk to your bank and get yourself a secured credit card. Use it sparingly under 10% of your limit and pay off the balance in full. Once all your negative marks are removed and you have shown responsible usage for 24 months, you should have good credit.

Answer 8

get a credit report and pay the bills listed.

Answer 9

There's a difference between BAD and NO credit.  

If you have NO credit, you may want to get a credit card that offers credit to Ppl. with limited credit history! =]]

Though, if you have BAD credit, you may want to go to a credit-fixing agency and spend like a million dollars...when you can do it yourself!  You can request all three credit reports online and even view them online at: https://www.annualcreditreport.com/cra/i...

After that, you can request online disputes for inquiries, bad debts, Etc.  This is the trick on how to do it for free!

If your credit is really bad, don't even mess with it, file bankruptcy!  =[[

HSBC is a credit card company that extends credit to limited credit history customers!  

Good Luck! =]]

Hope mine was the best answer.  Hint...hint! =p