How much would you pay for someone to fix your bad credit score? If someone would correct inaccurate information, remove at least 50% of the negative items statistically, and drastically increase your credit score, which one of the following would that be worth...espescially if it meant you getting a home loan after the service? A) $500 B) $750 C) $1,000 D) More

how can i fix my bad credit score fast?

I have REALLY bad credit! What can I do to fix my credit score within the year? I have made alot of mistake in the past on my credit and now I am looking @ a debt of around $35,000 (including student loan) and a terrible credit score. I am not planning on a major purchase in the next year or so, but I would like to be able to make some improvements (maybe 100+ points if possible) Any ideas or sure fire methods to improve credit?

ok so 521is a bad credit score,how can I fix it?

What Is the Best Credit card to help fix bad Credit? What is teh best credit card to get to help fix credit? My Credit score is not good...Like a 550...I Need to get a credit card but no one will approve me! Help!

I have been told I have a bad credit score. How do I fix this?

What is the best way to fix bad credit with out bankruptcy? I have a very low credit score with old delinquent accounts. I have heard paying off old accounts is pointless, and will not improve your score. Is there any way to fix credit on your own with out the use of a lawyer etc.

what is the best credit card company to go with to fix bad credit? im trying to boost my credit score up to an 800 or as high as i can get it, and i know credit cards are the way...but whats a good company to go with, or who has the best offers for bad credit.

Ways to fix bad credit? My credit score is poor from a credit card I got a while ago (being stupid, didnt know what trouble it would get me into...) the debt is $750....my credit score is 582...what are ways i can build credit (along with secured credit cards now that im older and working)... Id like to start rebuilding it, so that when im done with school in 2 yeares and its time to buy another car or a house..ill have a little less trouble Thanks in advance... Wow, thanks for some of these answers!

Can you fix bad credit in ways other than getting new credit and making on time payments? I see where you can "purchase" programs in which you can gain 100 points on your credit score in 30 days. Is this just a scam, or are their programs that really help restore credit quicker than just building it in the normal fashion?

How can I fix bad credit? If a collection agency is after my debt, how do I regain good credit? I have some unpaid medical bills that have been sent to a collection agency. Does anyone know if I can set up a payment plan? And when I do pay off all of my debt, does anyone know how long it will take to have a good credit score again? thanks!!! =)

credit score - good versus bad, and how to fix it? my credit score is a ghastly 595 (stupid things i bought and negelected the bills for). as i get older, this just doesn't suffice, especially if i want to move out or by a new car. what's considered a good score, and how can i build up my score aside from paying off what i owe?

whats the best/fastest way to improve credit score? can someone please tell me the best way to fix a bad credit score. (i live in the UK by the way) I'v sorted out my finances now and paid off all my debts but i'm constantly being refused credit cos of my past. I'v had no ccj's, only missed payments.

i need to fix my credit since my score is low at 570? i also noticed my name misspelled on them. should i pay someone to fix my credit? also im from mass and a lot of the stuff im assuming will prop be off my report soon since sol has or is running out since these are from like 1999. and i have student loans in bad standing im currently trying to get discharged. i have maybe 4-5 student loans in default. all but one have the possibility of getting discharged. if i get them discharged and start paying on the one that wont be would that raise my credit score substantially? also on myfico score summary i only scored bad on payment history. i have approx debt of 19,339. about 12, 000 of that student loans. and another couple thousand sol is gonna be out on if not already. should i get someone to work on my credit? how much does one of those agencys cost? and will having student loans discharge increase my score? and should i get a secured credit card since i have no open/available credit and it might raise score to have some??

How can i fix my bad credit that i screwed up when i was younger? when i was 18 and19 i was very immature and got 2 cards and used them and payed on them late and then not at all.. they have since been sent to collections also i wrote a 20 dollarcheck and it bounced (i closed the account before it went thru) and that has been sent to collections. since then i have gotten a car loan in which i have been on time for over a year ...my credit score is 554 and i would like to repair my credit but am unsure on how to do it..i have heard that if u pay the collections places it dosent always go towards the debt....i am trying to repair my credit to do a rent to own home...i need all the help and info i can get!

Help fixing bad credit...? I have bad credit...I had two accounts each were under 100 and they went to collections...I was stupid when i got my first credit card a few years ago...Now my credit score is a 550...How can i fix it? My collections accounts are closed out and now im just looking to repair. I am married and my husband has great credit...Can he help me inprove it by adding my name to a loan or anything? I heard gas cards approve people with bad credit...? Please tell me ways to improve it and not be scammed! Thank you :)

My credit score is so bad, and I want to fix it, should I trust those web sites that promises credit repairs?

Please help me pay my debt and fix my credit score!!? OK, I kind of destroyed my credit when I was younger. I lived off credit cards and didn't pay things on time. I moved around allot too and honestly, I don't know how much I owe and to who, what’s in collections, and how bad my credit is. Now that im older and more responsible I really want to fix it. Are there any reputable places that do debt consolidation? I’m looking for a company that will find out what I owe, negotiate w/ them, and give me a monthly payment. I appreciate any help I can get. Thanks!

What to do with my credit score...? I just recently turned 18, and with college, and a car, and a thousand other things...good credit would be nice to have. I'm responsible with my money, a sub-poverty family does that to you, but my credit score is already bad. When I was 11, my stepdad (Who's long gone now) put a cable bill in my name and never paid it. There's also a Sprint Bill from when I was 16, but I paid that off a few weeks ago. So I guess I just need some options on fixing my credit score. My mom doesn't really know, she has bad credit herself from bankruptcy (sp?) and stuff. The quicker I can fix it, and the more ways to fix it, the better, I have a lot of things to do that need a credit score. Thanks ahead of time...!

How to fix a really bad credit? what are the fastest and easiest steps to take? My credit score is probably around 400. The reasons are credit cards and a school loan of 38,000 that I have not been paying. I really want to start fixing this. I can't even get an old navy card with my credit score. I really need some help here.

Bad Credit Credit Cards? Where can I find a list of bad credit credit cards to help fix my credit score?

bad credit, and how to fix it? I have bad credit, medical bills, bogus car loan, and prepaid credit card. I am looking into buying a home and would like to get approved for the loan. how can I pay back old debts, find out who I owe, and where to send money. if I start paying back immediately, how soon can I see a change in my credit score?

What do I need to do to fix my credit with collections in my report? To make a long story short...i have pretty bad credit after having very good credit!!! There are things I plan on doing in the furture that requires good credit so i am trying to start fixing it! However, i have a couple of things that went to collections from maybe 4 years ago! What do I need to do to fix my credit score? I understand that one can dispute things, but I pretty much never paid things on time so everything that I know of should probably be correct!!! :( I have a car that is payed off since then, and am now paying off school with OUT missing payments! Will this help and how much will it help?

My credit is pretty bad? hey guys, my credit score is pretty bad i cant even keep trap of payments. How can i fix my credit score???

Bad credit history but have 610 credit score whats the best place to get a auto loan? About 2 years ago I had a repo put onto my credit *my ins company was charging me 2 times what they should have been and before I could fix that problem I was in debt and ended up lossing my car* Now I have all my credit paid off and a credit score of 610 and looking at getting a auto loan but im not sure who the best credit company to go with to get a good APR. I know im probly looking at 20% APR im sure. I need a auto loan of 15k and putting a down payment of 7k, total cost of vehicle about 22k. Looking at getting the car at the end of May. Is it better to go to the dealer and see about financing or try going throu capital one auto loan? Was also wondering about capital one because I have a good standing credit account with them. *my monthly income is over 2k*

i wana fix my bad credit how do i go about that, below is more details? I have 6 negative reportings and 4 good ones, and i recently got 3 more good accounts but not yet listed on my credit. here is what my credit report says: Att $140 ( In dispute its a fradulant account) Its a collection account Sprint $180 (paid in full but they wont delete it off my report) Ballys total fitness $1,100 ( they never told me it was a contract i though it was month to month) Its charged off Fitness USA $1,000 (lost my job) Collection account Tmobile- $1500 ( fraud account but they wont remove it it has 2 more years to go off my report so im not paying them) Collection Target $850 Charged off account. What should i pay or what should i not pay and in wat order etc please be specific and no sarcasim! Thanks. P.S. I got 2 credit cards with $300 each and one store credit for $1500 and capital one will be sending me a $300 credit card in March, whats the best thing to do? my current score is 522.

I have really bad credit I want to fix the problem but I dont know what to do should I file for bankruptcy? I think I owe about 20,000 in I have 4 credit cards, 1 repo, 2 broken leases, and utility bills oh and 1 cell phone, but I have heard that paying old debts can still lower my score more than what it already is, I dont want to file for bankruptcy but if I dont where am I going to get 20,000 dollars? It all started when I turned 18 I am 25 now. Is it true that after 7-10 years they just fall off your credit should I pay, file bankruptcy or let it fall off, if thats true? My god mother filed for bankruptcy and was able to rebuild her credit but with my luck I wont be able to do anything I want a fresh start and I want to fix my credit does anyone have advise I obviously dont have alot of money please help.

Bad credit fix? Ok, here is my question i need real good advice here. I have some things that are in collection but i really dont have the extra cash right now to pay anything out. If i went to one of those debt consdilation things and have them help me pay off the bills, will this help or hurt my credit score? I do have a job, but i also raise 2 small kids on my own andh ave other bills also. The debt that I have is from many years ago..

ok..i have the worst credit score...what can i do to fix it,will anyone lend me money to consolidate? really beyond a joke....only 5 grand but cant find a solution..any wise words??

Are there better ways to improve your credit score besides a secured credit card? I'm trying to improve my credit score(530) and am going to get a Bank of America secured credit card. It has a $29 annual fee and a 20% APR. Is there another proactive way to dramatically improve my score without having to face such high interest rates? btw, I havw already dealt with my bad credit past. I'm looking for things to build my credit, not fix it. thanks!

Co-Signer for Car/Bad Credit? My aunt who co-signed for my car at the time got "dinged" on her credit because i was late several times on making the car payments. However the car is completely paid off now by me and she told me to call the car company or the credit bureau to have her name removed so it will fix her credit since she was just the co-signer. Is this at all possible? To have her name removed so she won't get the "pts" on her credit score?

How can we get the money we need if we have bad credit? My husband and I are in the process of paying off a lot of medical and credit card bills in order to bring our credit scores back up. We also have a loan from my parents that we are trying to pay back. We have been working on this for a couple of years now. We just had our third child and I am doing day care in our home. We are in a small 3 bedroom house and we are in need of a bigger house. Because our credit is bad, we can't get a loan for a new house. We also need to get caught up on our bills so we can afford to finish fixing our house so we would be able to sell it. How can we get a loan to pay off our bills and have some extra to fix our house if we have bad credit? We need a way to get the money and not have to pay it back or have low monthly payments. We really need help. I just did an online assessment of our finances. I compared our monthly income to our expenses and it showed we should be coming out with an extra $100 a month.

fixing bad credit?!? OK, i looked up my credit report and i have about 4 "bad"things totalling around $1000. **all are hospital bills that i dispute** and 9 good accounts, my student loan debt **there are 9 that show up and all but one is paid off-none of them have EVER been late** so why is my credit bad!? i couldnt get a credit card if i had too. not that i really want one. i just want to know how to increase my credit score?!?!?! thanks for any help!!!!!! and those are LITERALLY the only things on my report. i looked it up under all 3 of the big ones.

Fixing/deleting bad items on credit report? I need some advice and some one with some know-how. I have about 11000 in bad debts on my credit report from when I was a little younger. I'm only 24 now, but it's been about 5 years. Included in these are a $6000 car loan. What is the best way to get these off my credit report or just up my credit score? Is it better to pay them off or dispute them? Does disputing really work? I've tried it once and it didn't seem to do anything. I'm sick of the creditors and collection agencies calling my house and I want to be more financial responsible. Any advice from any one that's been in my situation or anyone who works in this industry would be extremely helpful!

I have horrible credit. How can I repair bad credit? I have horrible credit. I have credit cards that are not even delinquent anymore, but written off. I don't even want to know what my credit score is. My credit is so bad, that I can not get a cell phone without a deposit . I even have my home phone number unlisted so the debt collectors won't bother me all day. Does anyone have any suggestions on how I can repair bad credit? Most of my stuff has already been written off, but there are a few things current still that I'm trying to clean up. I hear they can still collect on write offs too. Please help me! I need to fix my bad credit re-establish good credit!

I want to fix my credit...? Ok here's the deal. I applied for 4 dif. store credit cards bc my mom said she would pay them to build my credit (yes I know not her responsibility, but she shouldn't have said that if she wasn't going to bc she knw I had no job). I was 19 at the time, now I'm almost 21. Anyway she never did pay them & now I have almost $2000 against my credit plus a student loan. A friend of mine told me that just paying them off wouldn't help my credit any bc it would still show on my report that I was delinquent. She said that I should call them & make a deal that I will pay them off under the condition that they delete the listing from my report (thus making it appear I've never had anything on my report). Anyway, would they do that? Or is there a better way I could do it?? Any suggestions are appreciated. BTW my credit is so bad that my credit score is 494. and I'm not even 21 yet. Sad I know. yeah. they're really gonna garnish my wages. I have no wages LOL!

I have really bad credit, can I ever fix it? I'm in college and made stupid decisions with my first creit card. All of my debt is paid off, but I paid it late to a collection agency. I've also bounced checks in the past and overdrawn my account, so my credit score is pretty horrible. Now I can't get approved for any cards so I can't improve my score. I'm totally ashamed of how careless I've been.

Guaranteed Bad Credit Personal Loans? I have been ill for several years now. When I lost my job my daughter and I lost our medical insurance. So I have been using credit cards and falling seriously behond on all my bills creating a very negative credit report. Now that I am working again and have a good handle on my illness I am ready to wipe out all of my debt. I have created a budget drawn up with all of my debts on a spreadsheet and have figured out that what I need now is a loan to consolidate the debts. I have contacted all of my creditors and worked with them to negotiate the amounts owed, and I know the amounts I negotiated are lower than the amounts that a debt consolidation company would get for me. So I know that I do not need debt consolidation where your credit score gets lower and things get worse before they get better. We do not have family that can help us out so a high interest loan for people with bad credit is my only option. If you are only going to criticize me or tell me others ways to fix my situation I do not want to hear it.

how can i fix my credit scoring? my credit scoring is very bad. is there any way i could fix that? Thankyou

Fixing Credit Score? I got my credit report and have a tom of bad stuff on it. I messed up when I was younger and want to fix it. I would like to have a house someday. First i don't and never had a charge card so i don't have any debt that is collecting interest. Most is medical bills a repo'ed car, cable bill, and cell phone bill and an apartment I moved out early on. How do I do this. #1 Do I pay off biggest amounts or smallest amounts first? #2 Do I pay off oldest or newest bills that are in collection? #3 IF my credit report says "date this item will be removed is 3/2007" should I even pay it off or will it disappear like it was never there and if that is the case will it still affect the credit score? #4 Do I need to contact the Collection agency before I pay or do I just send in the money #5 Should I send money to collection agency or to the company I got the service from? Thanks for any info I can get.

can a credit report be cleared of bad debt after 7 yrs? is there a statue of limitations on the items that are on the credit report? how do i begin the process of cleaning up my credit report? how do i fix my credit score also? most of the items are charged off yet they are still on the report. i can get a credit card or anything and it has been over 8 yrs.

Bad credit help? I want to fix my credit and raise my credit score because I'm sick of getting denied for EVERYTHING, but I don't know where to start. So what are my options? What can I do? I don't have alot of money because I just lost my job and I have a child that I am raising on my own. Please help!!!

would you marry someone with bad credit? i've been with my BF for 6yrs now everyone always asks us when r we getting married i usually laugh it off then change the subject. truth is i'm so paranoid about my credit. when i was younger i totally destroid it. i spent years trying to fix it. now its up to the 700 and i worked hard for that. but my boyfriend has bad credit...very bad. He has school loans he hasnt paid off, credit cards, phone, pg&e and hospital bills, all totalling over 10,000. now i know if we get married his credit becomes mine and my score will go back down. i wanna buy a house before i turn 30...im 27 now it will take years for him to fix his credit and mine..if we get married. now what i'm thinking is we have a wedding, reception and honeymoon and all that, we just wont be legally married. my friends and family all say no, but truthfully i'm so worried about my credit. advise please....

My Credit is " F " like the report card, and have no money. Is there a way for me to purchase a starter home? I heard there are companies that specializes in fixing bad credit, but don't they charge a fortune? My credit score came out to 550-650? I can't even afford to get a $500 limit credit card. I am married with 2 kids. My wife has a bad credit too.(but better than mine) Maybe next year we might be able to invest $10,000 Max.

Can you please let me know how to fix my credit and buy a house? I currently owe 38,300 in debt. My credit score is bad. I am thinking of declaring bankruptcy is it worth it? After I do that can I buy a house? How long would it take me buy a house after declaring bankruptcy? If I decide not to declare bankruptcy is it better to pay off my debt or not? How can I negotiate with the creditors? I am 25yrs old and single with 3 daughters. Any suggestions... I tried buying a house tru leaseoptionhomebuying.com. but then I kind of not trusted the program now I have no idea what to do. Any suggestions. Serious answers only. What would be my first step?

What credit card can i get with a low credit score.? I have checked my credit report and it has no record of any aplications for credit and ony one item of bad credit...unpaid phone bill wich is now paid off. Aparantly this is because I dont reach the cut off point on credit scoring. Any idea's on what i can do to fix this? I live in the UK Tried Vanquis and Capital one, Both refused My bank, egg and mint also refused. The main reason i want it is for just in case scenarios....you know if the wind blows the tiles of my roof i can pay for it on the credit card then get my insurance to reimberse me if neccesary.....it often takes a while for insurance companys to sort out the payments for repairs...Pretty much all my money goes out each month and i dont have enough left to save for emergancys I have the Visa prepay card, i didnt think that would affect my credit as its not a credit card...

We have bad credit and are in need of a loan...can anyone help??? my dh works anywhere between 8-12 hr days and I'm on perm. disability due to medical issues. We have 3 kids and are barely making ends meet. All we need is a personal loan for $8000.00. This would pay off bills and get us caught up on other bills. We have tried prosper.com but was denied do to credit scores and are now disputing stuff on our reports to fix our credit.... We are good people and just need a break.... Can anyone give any advice as to were to look or were to go to receive help? And please if u are going to be rude don't respond. Any good advice would be helpful.

Do I get a copy of my credit score after disputing with TransnUnion? I ordered a free credit report and there was an error. I disputed it and received a response that it was fixed, but could not see an updated report on their web site or a corrected score. Their web site says that they will send a report unless filed online. The report I see is still the old report and the score is also not updated so did I waste $8 on a bad score? I called and they want more money to tell me what the correct score should be and want me to pay for another report with the correction as well. Does anyone know how to get a good score and report from them after a dispute online?

Best way to fix credit? Here is my situation. Me and the wife just applied for a our first mortgage. She has a credit score of 673 and I have the bad one of 584. I went ahead an pulled my reports from the 3 credit bureau's. I have 5 accounts that are in collection or are delinquent. These are minor dollar amounts. Only like 44, 179, 144, 202 and 180. What is the best way to fix this without going to a specialist and paying the extra money. I have all the contact information of the creditors so I can contact them directly now. Should I call them (not mention I'm buying a house) and say I want to work with them to get this off my report? Then infer I don't have much money but what is the least they will take to call it even? I have been much better with my money for the past 4 years with nothing negative. And once this is done, how long till I see it impact my credit score? Thanks for any help.

HOw do I sell my house, if it is a fixer upper? I want to sell my house, can't afford to fix everything, bad credit score to get a home equity loan, I just want out from underneath it, don't think it will qualify for a bank loan..... I have a house in North Pole, Alaska I would like to sell, can't afford to fix it up, it may not qualify for a bank loan. I just want to move closer to my parents in Montana..

No Doc, Bad Credit, First time Home Buyer Purchase Mortgage? I want to buy a single family home in Louisiana for 165,000. I have never filed bankruptcy. But I have a poor credit score, student loans and am self-employed. That's the bad stuff. The good stuff is that I have cash in the bank for a down payment. I could do 20% down but would prefer 10%. I also could get my parents to co-sign but would prefer not to. Is there a way for me to get a mortgage? My plan is to fix the place up and try to sell it. And if it doesn't sell I was going to move in. But it's in a high demand area so I think it will sell. So I'm looking for a mortgage that has no early payment penalties. Any ideas?

What credit card can i get with a low credit score.? I have checked my credit report and it has no record of any aplications for credit and ony one item of bad credit...unpaid phone bill wich is now paid off. Aparantly this is because I dont reach the cut off point on credit scoring. Any idea's on what i can do to fix this?

How Do I Raise MY CREDIT SCORE? I HAVE LOW CEDIT NOT BAD CREDIT, ARE THEIR ANY WAYS TO FIX THIS IF I TOOK OUT LOANS AND PAID THEM BACK WOULD THAT HELP IS IT ILLEGAL??? WILL IT WORK ORCAUSE PROBLEMS??? I MEAN TAKE A LOAN AND PAY IT BACK?? DONT SPEND THE INTREST AND MAYBE ADD SOME $$$ CAN I DO THIS MORE THAN ONCE??? WILL IT MAKE A DIIRENCE??

bad credit trying to get financing where is the best place to go?? im living in the home now i have already put down 5500.00 on the down payment .. If i cant find financing for the house i lose that money even tho its not in the contract....But the house needs some repairs done to it and he has not fix them which was in the contract...my credit score is about a 480 so thats low..Please if you can help direct me where to go ... I keep getting well we need a credit score of atleast 550 or better.. I dont know what to do.. im at my last resort asking here..i have to close on the house by the end of this year but i do want him to fix what needs to be fix..Example the bathroom septic needs to be on city line and the pump never worked on the septic.. The a/c unit never worked which he claims he was going to fix and never did.,. Nothing is finalized yet and im not buying the house until it is all fix... i hope im making sense.. thank you

How can i get rid of my Jeep that i owe a lot of money for? I have a 2006 Jeep liberty and I pay roughly 400 a month I can now longer afford it and my cousin co-signed, without jacking his credit score what should i do? I owe a little more than the jeep is worth how does one with bad credit fix this issue? By the way he lives 2000 miles away. Oh, by the way i will soon have my license taken away for a dui ill never drive u.i. again and i was the only person involved in the collision with the oak tree.

I really messed up, credit score is 504 and I really want to fix it but have no idea how or where to start? I have 3 accounts that show as - bad debt, written off with an outstanding balance. Do I pay them, what can I do to get my credit life back on track or am I screwed forever can I ever recover from this?? I live in Canada if that makes any difference.

I pay all my bills on time, have almost no debt, and yet my credit score is "very poor". How do I fix this? I pay all my bills on time and have almost no debt. I've been told I need more available credit, but I'm even turned down for secured credit cards. I have more than enough money to pay off my car and such, but I've been told that it will just make things worse. I feel like I'm stuck in a credit catch-22, what do I do? With my current credit score I cannot open new savings or investment accounts, I have trouble renting, I cannot get a house, and I cannot get a new car. I manage my money well, make good money, and am denied all of these because of some score.

What is the best way to build your credit score and history? I'm 19 and am trying to buy a fairly inexpensive car ($4k or less), but I can not get a loan anywhere. The problem is not that I have bad credit, but that I don't have enough credit. I have a credit card with no late payments whatsoever and that account has been open for 16 months. How long before I begin to get somewhere? If I don't have enough credit for even a $1500 loan to fix our old car's transmission then I'm gonna be 80 before I even get a new car. It's not just a car for right...later on it might be my own home. Ugh!

I have bad credit and need financing for my business to expand? Does anyone have any ideas on how to do this? Hello, I have a small residential and commercial cleaning business that I am looking to expand. I have been shopping around for financing through traditional lenders, but due to my 518 FICO score and millions of charge-offs, I can't get fianancing. I have applied to a few non-profits in the state that I live in. I have also been pitching my case to some friends. I don't have any family that can help. They all have bad credit and so do much of my friends. I really do not know anyone with cash on hand either. I have been looking into getting an angel investor or a venture capitalist, but I do not know if that'll work. I've posted an ad on Prosper and I never get responses. Again, I think that this is due to my bad credit. I am seriously running out of ideas. I have 15 months invested in this and I do NOT want to give up. Does anyone have any suggestions or can anyone suggest a place that can help me? I know I need to fix my credit, but I need the money to do it. Please, please, help!

Bad Credit and an Even Worse Divorce!!? I was in a financially abusive relationship for 13 yrs. I had no access to any of our bank accounts, or even to my own paychecks. The few credit cards I had prior to my marriage were included in a bankruptcy we had to file in the year 2000. Fast forward to the present and I'm going through a nasty nasty divorce, only to find out that my ex had multiple credit cards in MY NAME (and of course he never paid them) there were utility and phone bills in my name that weren't paid either. It's horrible! My credit score is sitting at like 601. We also have a van loan on a 96 silhouette that (we) still owe $11,000 on! I'm at a loss. How do I even begin to fix this?? I only make about $26,000 a year and almost everything I make is going just to keep a roof over our heads (my son and I). Do creditors ever work out a deal with "innocent debtors"??? He also failed to pay our state taxes, so both vehicles have liens placed on them, so we can't get the plates renewed. Grrr. I knew NOTHING about any of this!

Bad credit because of stundent loans!!? Ok so I went to school for like 3 months got the loans and everything..dropped out, got pregnant and now have a family and we're running into money problems! We're tired of paying rent every month when we could be paying half of that a month to buy a house. So we tryed to get pre-approved! I would need 10,000 down on a 40,000 dollar house!! Now he's not working because the company (he's a laborer) he works for has no work!! Someone please help!! I'm tired of the 100 calls a day from sallie mae! I don't answer the phone because I can't pay!! I owe about 6,000! And my credit score is way past horrible!! (507) What can I do to fix this!!? I don;t have much money! He's credit is just as bad (532) HELP!!

credit fix? I need to find out a way to work on drastically improving my credit. I really made a bad decision to get a vehicle about 2 years ago that ended up in a repossession. Along the way of struggling to make the car payment, alot of bills got sent to collections. I paid off my first vehicle, which i used to trade in for a truck because of mechanical issues. Bottom line is by getting the truck, i miscalcultated the dept/income ratio. my credit score is very poor. I beleive i owe around 8-9K for the truck still. I am making payments to everything that is current. I have learned a lesson that you have to earn respect to get a good loan. However, I want to consolidate all my collections (2 credit cards, 1 personal loan, 1 cell phone, 1 truck repossession) Is there a good company out there that i can talk to? I am military, so i want to clear this up within 5 years cause i want to eventually get a house. I have a respectable job and have held it for a little over 5 years. Thanks!

how can i buy real estate with bad credit and a job that pays under the table? i want to invest in real estate but i have a medium credit score of 585. i paid all my debts just recently, but i also have a job that pays under the table, pretty much i have no proof of my 30-40k year job cause its based on tips and commission. i have 25000 to put down on property and id like to fix it up to re sell quickly. i was denied at countrywide, but i heard there were companies that you can get a loan from, with no credit check and no money down, higher interest, but for the short term, quick fix n go, i thought it would be great! anyone know who would do this??? anxious to make a project asap!