Where can I go to find somebody to help my credit?
Where can I go to find like a credit repair comany or somebody to repair my credit. None of the stuff on my report is false. When I turned 18 I didn't know about credit & now I want to fix it since Im trying to buy a house. I have 512 & I need a 540 to get the loan. How can I get my score up is there anyway? or anybody who can do it fast?
Public Comments
- CCCS (consumer counselling credit service) is a non profit org. that will help you pay off your debt...honestly there is no quick fix... Any company that will tell you that they can fix your credit w/in 1-3 months is lying...what they do is something you can do yourself and save yourself $1k or more that they would charge you pull a credit bureau...are there any cc's that you closed a long time ago that are still open? Call the co. and get them closed...that will help cause that is showing as potential credit that could be used...are there things showing on your credit beaureau's that aren't yours...dispute them so they will be removed..by law each beaureau has to removed them by 30 days...that would shoot your score probably a good 50-100 points...whatever loan your going to get w/ a fico of 540 is NOT going to give you a decent interest rate...take the time and do it right...pay down the debt and learn from the past.
- Try the site below, I used this non-profit company and they fixed my credit and made my score jump! Tell them Jon sent you and you might get a discount.
- Hi. I recomend Lexington Law. They're on the net. I had 14 collections and a charge off deleted from my credit with these guys. Took about 8 months. All you have to do is pay like 30 bucks a month. Good luck.
- No credit repair company can do anything you can't do for yourself. It is impossible for a third party to make changes in your file if the facts have been correctly reported. Follow these simple guidelines to help restore and improve your credit score. First, make sure all the information on your credit report is accurate. Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly. Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line. Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card. Repairing your credit and improving your credit score is a slow process that takes time.
- all lies here no one can have items removed only can settle old debts. My advice get credit card from orchard bank establish credit for 18 months. You should wait till credit score better cause I am sure with credit score that low you will pay high interest. You need to have 3-6 month emergency fund in place before you buy a house.
- Maybe you can try below website to get the information you need. It's about credit repair that you can do it yourself articles for your second opinion.
- One of the fastest ways to get cash with bad credit, and little hassle, would be with a payday loan. Yes they have terrible interest rates but they are taking a risk. This site offers more details about the payday loans as well as various sites offering the loans, many without even a credit check. Do your homework. Best starting point is here: http://tinyurl.com/23zhb7 Good luck.
