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Credit Repair?

I defaulted on a revolving credit account several months ago and will start payments again starting now. What can I expect for them to do about the bad credit they have reported on this account? Please don't answer with multiple l-o-a-n offers. I'm not looking for that.

Public Comments

  1. the reports they made will stay on your credit for 7 years. As you make new on time payments they will report those too. As time goes by, the old late payments will count for less and less until they are gone after 7 years.
  2. See www.freecreditreport.com Good luck.
  3. As long as the information is correct they will do nothing.
  4. Is this payment plan with the original creditor or with a collection agency? If it's the original creditor, 24 months of consistent, on time payment will pretty much offset the negative aspect of the default. However, if this is to a collection agency, it will just show as a paid collection and won't help your credit score at all. Although paid old debt does look better than unpaid.
  5. The best credit repair kit I have come across so far on this website: http://www.CreditTrix.info Thanks
  6. read this article on repairing your credit file, http://www.monitorbankrates.com/how-to-build-maintain-and-repair-your-credit
  7. now see, there are many ways to repair your credit, and you know how to do them you probably just don't feel like it, or you just don't want to. This website that helped me out a tons was only like 20 bucks or something, and it gave me over 350 pages of information packed ways to repair my credit. when i was 19, my mom ran up all my credit cards and took me down to a 400 or something like that, it too a year or so, and with these guys help, my credit was around a steady 730 or so. They really do help, I mean you can't trust anybody but yourself now a days, this worlds getting more and more messed up. That's why i chose to buy there information and do it myself. quite simple... if you want, go to www.youneedtorepairyourcredit.com it's pretty darn hepful stuff
  8. Yes, credit repair works fine. Try this one - http://creditreport.undonet.com They disputed and cleaned off lots of bad items from my credit report.
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