Repair Credit Report Help

How can you fix bad credit, can you wait it out until it disappears off your credit report? I've heard bad stuff goes off your credit report after 7 years, so can you wait it out and have decent credit again after 7 years? Anyone know how that works or what to do to fix it?

where to go or how to remove bad credit from your credit report.How can I remove something from credit report How can I fix my credit report and remove bad reported payment history with a reporting company ??

How do I fix my bad credit? I have bad credit. I have already consulted a "professinal credit counseler" but got a half ass response. I am not ready to pay additional money to have someone else fix my problem. I have had bad credit for about 2+ years now. I used to have decent credit. It is estimated that I have around $20,000 owed. I would like to do this myself and contact the creditors, collectors and banks myself. I just want to know what would be the right approach so that they get paid and my credit report will show that I have made and effort to do the rigth thing? I have a family and would like to buy a house one day. I also want to go into law enforcement. So credit is important to me. Any advice would help. Thanks

who do i contact to fix bad credit? I had a capital one credit card,but never paid it because i went to prison.How do i go about clearing my credit report?

How can if fix my bad credit? I have been told that once I have paid off a debt from a collection agency, I should call them and request they take my collection record off my credit report. Any truth to this? Can they take it off my report or does it just remain on my report as "paid."?

How can I fix my Credit report? I have only one Credit card that I am paying every month. Credit was $3000.00 the balance is $1300.00 I was late for pay only 3 time by mistake and now my credit is bad? there is anything I can do to fix my credit report? Last late payment they report month ago, but i never been late more then 10 days in 3 years ( just 3 time few days late) Is that true this is going to stay for 7 years even if I pay all the balance?

ive fixed my credit report and gotten bad things off of it, how do i update it with the other 2 bureaus? ok after many months of fixing and cleaning up my credit report, it is now good, how do i make the other 2 credit bureaus update there files with my clean one at the other one? thanks

how do i fix a bad credit? about 4-5 yrs ago, i had a writ of summons issued. but i managed to settle all debt in full. Now, 5yrs down the road, I am unable to secure a loan with anyone. This loan is for education purposes and i am trying so hard to start life on a fresh slate but no one is giving me a chance to. what can i do to clear off a bad credit report on myself? I forgot to add I live in singapore. I do not want a credit card. I do not like them and I know my urge to spend will be too great. What i need is a loan. When a company does a check on me, The details of my case are showed but they are showed as concluded....but this is only with SOME. The company I tried to secure a loan with had a sooo not updated record. All the cases were showed as pending. And when i spoke to them about this and showed them proff it was indeed closed, they said there are different systems used. Even the courts have an updated record. (i know this cause i went down to check) when i said clean slate I meant I have learnt from my stupid mistakes and so have been paying off bills and what have yous on time since that dark period i went through

how does one fix their credit report after it has gone bad.? Ok i have paid all bills. I had an jerk for a boyfriend that went and used all my credit cards didn't help with rent or any bills. Thats why my credit is so bad. All i wanted to know is how to raise it. I didn't need someone to put me down for it. You know there are never stupid Questions just stupid answers!!!

I have bad credit and want to fix it myself? I am 30 years old and I have bad credit for many different reasons. I would list my excuses but it does not matter. I really want t to fix my credit. I have like 4 good accounts and the rest (12-15 accounts) are bad. They are all in collections and I have already talked to a person who specializes in fixing credit. I want to avoid paying them so much money to fix my credit. My mother may help me fix my credit by fronting half of the money. I will be paying off my truck later this year and have around 400+ dollars a month. What are some ways that I can contact the credit collectionns myself and making arrnangents? I can print my credit report and do this myself if needed? any advice?

how to fix my bad credit? last year i applied for 2 credit cards and valero gas card and got denied so i finally got online and ran my credit report i found out my mom had applied for almost 5 cards and had maxed them out and never paid them off shes put me in almost $3,000 in debt so i have bad credit now the thing is ive tried to dispute them and some of them still wont come off i would file a police report but dont want to put my mother in jail is there anything i can do besides aying them off to fix my credit? like i said this is close to 3,000 dollars please help

How you should fix bad credit- and what credit cards to go for? I am a 24 year old married father of two. In my early legal years, I had a problem with my credit, but I've paid almost all of them off in the past few years. I do not have any credit cards, and I never really paid much attention to my credit since paying off the problems- and did not think much about it. I do keep up on my credit report- but I never knew my credit score. However, I'm looking into buying a new car, and in a year or two buying a house. I applied for a car loan at a dealership where they told me my credit is around 350! I never knew it could be this terrible. My wife has no credit at all, so that did not help matters. Now, we're attempting to fix our credit. We know nothing about this, and it's very difficult. We do not not have any current debt, and live modestly. We cannot afford much as we are trying to save up, but we really want good, or at least decent credit. I would love for us to be able to fix both my credit, and establish some sort of credit for my wife. We've heard credit cards, or even store credit cards will help, but know nothing about APRs or what would be best. We have also heard about going to a 'buy here, pay here' car sales place that reports to the credit bureau, but again we only know bits and pieces. We also know a co-signer would help, but we do not have anyone so it is out of the question. Any advice on any parts of these topic would be greatly appreciated. Please no harsh comments, as I know it is a terrible thing- but I am attempting to fix it for my family's sake.

bad credit. how to clean up my bad credit from my credit report? most of it isn't credit cards its other stuff like cell phones and other bills. How do I start to fix my credit? where do I start? Are there companies out there who can help someone like me who doesn't owe in credit cards but other things that total about $10,000.

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!

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.

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.

how do i fix my credit score? my credit score is under 600, but I can't get it to go up. i have tried getting a credit card for people with bad credit. i don't' have any current debts, and all the negative items on my credit report are really really old, like 1999 and 2002. how can i raise my score and get the bad stuff off my report?

How do I fix bad credit quick? Hi I when through CCS a credit program to reduce my payments and help me pay off the credit cards faster.Now I have a credit score of 600 due to the fact my program told me to wait till they took control to pay the payment to my credit card companies.Now I am a 90 day late payer for 4 of my credit cards.Keep in mine I stayed in the program till last year and paid my debt off in full through the program.Now I want to ask my creditor which now I have close account with,to stop reporting the no payments(from 2yrs ago) is that possiable do they have a program or can I call them my self?I want to buy a house in 2 months so .........

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?

if a credit card company offered deal on total payment and you except will it come off your report? I heard that if your credit card gets turned over to collections and they contact you offering to lower the amount you need to pay them back, and you end up taking that offer and pay it in full, that since you didn't pay the ACTUAL amount off, the bad credit with that card will never come off your credit report. Is this true? If so how do you fix it? Is there anyway to pay off the rest that you owe to them so that that bad mark comes off

How can I fix my credit??? I want to pay everything off.? I have several old bills on my credit report...from years ago. I owe around $1000 in hospital bills. I want to slowly start paying this off. I wrote letters to the creditors asking them to re-send me the bills. I hope I hear from them soon. Once I do, and start paying everything off..and then eventually have it ALL paid off....what do I do next? How do I go from bad credit to GOOD credit????? Thanks!

How can I get my credit report if I am not recognized in the system? I have tried to get my credit report several times, only to get some response denoting that there is insufficient data to find me. However, banks can seem to get it and I know that I have bad credit but can't seem to get a print out to start fixing it.

How do we fix credit? What do I do if there are fraud charges on our credit report and there isnt a number to call to say they arent ours? I have been sending letters like crazy to the people and we need our credit fixed bad.

I have really bad credit. I want to fix it.? I pulled all 3 credit reports and now what do i do??? Is there some kind of agency that can help??

how does credit report work? how exactly does it work? how can i keep it good and if I get bad credit report can i fix it?

How bad is my credit? I am 20 and have had a card for about 6 month's. I have paid late about half the time, but have paid in full when they call. So will this look bad on a credit report? How long will it take to fix, if long at all?

i have tried to open new checking accounts and was denied because of bad credit that i didnt do please help? i have not opened any accounts or financed any cars,etc. which is what my credit report states ,how do i fix thi ? i was robbed a few years ago , my social security card and all identification was stolen. how do i prove that it was not me that opened accounts and financed cars rents a house?

how can you get someone to rent to you if you have bad credit? How do you find a place to rent in california if you have bad credit besides a co-signer? Are there any websites that can help. Fixing ones credit report takes a while but you still have to live somewhere right!

How do I fix my credit standing? Received a bad credit report.

Looking for High Risk Lenders or loand for people with bad credit? I am looking for a lender to help me out with our situation but I am not sure where to look. My fiance and I both have horible credit, his is from his recent divorce and being diagnosed with an illness that put him out of work for a while with no medical insurance and mine is from having from having to support myself on my credit cards after I lost my job. We are both working now and would like to fix our credit reports and pay off our debts for obvious reasons. So we are looking for a loan to consolidate debts and have some money to pay for our wedding. We are looking to borrow 20,000 dollars. However with bad credit it has not been easy to find someone to lend to us. I have received several calls from people who are going to lend to us if we send money up front which leads me to believe they are trying to scam us. My dad mentioned that there may be places that would use my car as collateral for the loan but I dont know where to look for that either. I understand that there are also lenders out there who may be willing to lend to us at a higher interest rate and that would be okay with me too as long as we can find someone who will actually lend to us. I have tried prosper but to no avail. I am in the San Francisco bay area in California and my hope is that I can get a list of local lenders that may be willing to lend to us but i have also realized that I would like to be able to go into the office and have a personal relationship with the lender. The really unfortunate thing is that our bank doesn't offer personal loans. Any help would be greatly appreciated. I feel as though credit couseling and debt settlement are not the way to go for us as I have already worked dilligently with our creditors so that we could come to payback terms that would please both parties. We feel we have a good handle on the situation and we just need the money to be able to pay everything off and have one lump sum payment, hence the idea that a debt consolidation loan would be best for us. We are currently living on a tight budget so this loan would serve many functions. It would bring us current on anything that we are behind on. It would pay off our debts, give us a nice nest egg in the bank, ans help us to pay for our own wedding coming up next year. I have budgeted that we can afford payments up to about $700 a month to pay back this loan so I would not mind doing something with high interest at least for the time being and once our credit starts to improve I suppose we always have the option of refinancing the loan at a lower interest rate. Through this process we are both learning the value of having a good credit score but we are asking for some interim help to get us there.

Can creditor erase bad credit if I settle with the collection agency? I have a debt for 911 with Chase and I think it was sold to a collection agency and then resold to another collection agency. this third one sent me a letter yesterday to settle for 274. If I pay this amount who will fix my credit report. the collection agencies have never put there negative on my credit report only Chase is on there and it says charge off since 2006. So can the collection agency have this fixed or not?

Student Loan Default however I didnt know. I paid it immediatly. FAFSA wont fix and its on Credit Report. Cant In 2006, I recieved a call from Dept of Education Collections saying I owed 250.00 from an overpayment. I had no idea about this and I immediatly paid it on the phone then. On my credit report it says paid in full NOW, but claims it was once in collections and shows up as DK Status. Financial AId (FAFSA) Claims they sent me a letter in the summer however I did not recieve it. I have called multiple times to get this off my credit report and they all say too bad so sad, we mailed it to you and followed policy so it stays on your report as once being defaulted. I honeslty never recieved the collection letter and it was only for 250.00. I immediatly paid it when they called. I can now not get private student loans from say sallie mae or anyone else because of this one issue. I am rejected because "Student Loan Default" Which was only for 250.00. Is there ANY way I can fix this? I have even disputed it through all 3 credit reporting agencies and they never fix it. Dept of Ed is not helping

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.

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.

Is it fraud to dispute accurate information on credit report? I have been doing alot of reading on how to fix my credit reports and one of the methods i've seen says to dispute any and all bad marks on your credit even if you know it's correct. is this true? will i get in trouble if i do this?

How do you "fix" a credit report? There is no contact info on two old debts. Who do I call to ask? I am 43, a stay at home mother. I will be leaving my husband, so I have to start life over, I suppose. I ordered my credit report, knowing my credit was bad (592), but I don't know how to even begin fixing it. They list the outstanding amounts owed, but no contact info for the people I owe them to. It is also recommended I get a major credit card, but how will that help? How would I do that? I am very frustrated right now about how helpless I've become over the years letting my husband deal with everything, so offer me some hope that I can repair this and get on with my life. I'm a bit intimidated by it all, and that's pretty embarrassing, but I have to learn how to do this.