Repair Credit Report Help
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.
Public Comments
- Start paying them off. All of them. You owe the money, its someone elses money that you took. You would'nt like it if you gave someone a loan and then they said, sorry I cant afford to pay you now. Just forget about it ok? It looks better on your credit report if they're paid off. DONT USE ANY OF YOUR NEW CREDIT CARDS!! You have yourself in enough trouble. If you cant afford to buy it with cash, save it up then buy it. Apparently you have a problem if your phone bills are that high. You should know the right thing to do. Start paying the small ones first. It'll take time but you would feel so much better later after they're paid.
- Read how to fix your credit for free and then join the forums so people can help you with questions. The link is below. Follow everything the guide tells you to do. It takes time to read but it is well worth it. YOU CAN get most of this off your credit reports. Trust me. Best wishes!
