Repair Credit Report Help
how to repair my credit score?
Alright, so I got one of those free credit reports yesterday to check and see what my credit score is looking like. i'm almost 19 and when i turned 18 i had the plan to get 2 credit cards and spend a little bit on each one everymonth and then pay it off well with the two cards that i had signed up for i only got one and have always payed it off at the end of every month. but when i got the credit report it showed i had a terribly low score of 547 and upon closer inspection i saw that there was another credit card that was opened in my name and had 712 dollars charged to it and was deliquent and had been closed down. I assumed someone had stolen my identity and gotten the card in my name and was all upset about having to go through the long process of getting it all cleared off my report. but today i found out the card was the other card i had applied for and that when it came in the mail my mother got it and made 280 dollars of charges to it since we didn't have much money and never told me about it as the next day she had a stroke. so i contacted the collection agency that the balance was sent to and have set up for the balance to be paid.. is there anyway for me to fix my credit score because of the circumstances in which my credit was destroyed.. and pressing charges against my mother for basically stealing my credit card is not an option in my book.. please someone out there help me with this problem =[
Public Comments
- Its just takes time The amounts your are talking about is relatively low compared to the national average Don't punish your mom... keep your cards and all mail concerning this card to yourself and pay off the debt your mom charged - this will be key to build your score.. It takes time.. patience and most of all discipline to build credit and EVERYONE can do it... regardless of income Good luck.. you can do it
- Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-free.totalh.com
