Bad credit?
reynaldovelajr@sbcglobal.net asked:
I have neglected my credit for a long time. credit cards are the majority. Can anyone give me advice to restore my credit. I now have a little money to do something about it,but i wanna go in a smart way about it,should i get an attorney or wher can i go to get some help.
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I have neglected my credit for a long time. credit cards are the majority. Can anyone give me advice to restore my credit. I now have a little money to do something about it,but i wanna go in a smart way about it,should i get an attorney or wher can i go to get some help.
March 13th, 2010 at 1:39 pm
I suggest doing a little research. Time heals a bad credit, but you have to pay your credit cards on time. heck out these sites. It will give you tips and suggestions on how to improve your credit score. Ana Pilar R
March 15th, 2010 at 4:08 am
has some personal finance tips. Check it out. Eric A
March 16th, 2010 at 6:40 pm
First, make sure all the information on your credit report is accurate.
Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.
Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.
Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.
Repairing your credit and improving your credit score is a slow process that takes time. twv23512651
March 17th, 2010 at 12:39 am
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