Repair Credit Report Help

how do i repair my credit report and score within a year?

within the next year i need to be able to take out a living expense loan for graduate school by myself without a co-signer. i have about 8 student loans, all deferred and 2 hospital bills and a credit card on my credit with a score of 576.

Public Comments

1. Realistically it probably isnt going to happen. First, your credit score is too low. You are in the "poor" credit category. The only way to improve that is to pay off as much as you can and close the accounts. Hospital bills are an easy one, and you must pay them if they are in collections. The student loans need to get paid off because they are probably huge and will dramatically impact your debt to income ratio. Basically, you need to pay off everything, and if it gets reported, you may get a high enough credit score to get the loan. Part of the problem is that its also tough to answer this question more definitively because you didnt list your income or the amount of the outstanding loans. In a worst case scenario, grad school may have to wait until you've gotten a job and paid down the debt.
2. To raise your credit score you need to do two things: 1 - add positive things to your credit records. Such as paying your bills on time! 2 - Remove negative things from your records. These may be mistakes made by the credit report companies or bills you haven’t paid! If your problems aren’t too bad or too complicated than you can do this yourself. This review site gives you e-books to explain the process and guide you through it: <http://www.onlinebestinformation.com/credit-repair-diy-review/> if your problem is complex - or you just don’t have the time or patience to do it yourself then you will want to use a credit repair company. This review site will guide you to the three best companies to use: <http://www.onlinebestinformation.com/credit-repair-review/> Good Luck!
3. A year is plenty of time if you have the money to pay something on these debts. With a score below 600, I am assuming that your old debts are now charged off. What you need to do now is pull your three credit reports for free at annualcreditreport.com and see if they are sold to collections yet or not. You need to do this ASAP because if the bills are not in collections yet, you can do some negotiating with the hospital and the credit card company and fix your credit pretty quick. If they are sold to collections, then you will have to negotiate with them. You can still do it, but it will be harder and take longer. And don't bother hiring anyone to do this for you. Do it yourself for free. on edit: The guy telling you that you need to pay something on your student loans has no idea what he is talking about. If your loans are federal loans (i.e. not private), then they will most likely remain in deferment so long as you go to school.
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