Credit Repair Help

SUNKYBRIGHT asked:


i have not realy extablished my credit, i have 2 credit cards, one $1500 and the other $500. I travelled out of the conutry and before i come back bothe credit has gone on overlimit. Other bills were sent to collection agencies and were all reported on my credit report. I’m ready to pay off all this monies but will it help my credit report? Can i use a lawyer to remove the report from my credit history??

eyez145 asked:


Ok My Freshman year of college i got 2 credit cards 300$ both and failed to make any payments. I still cannot afford it and would like to get a house some day i am now a SR in College. Any advice help or anything.

Amanda R asked:


My husband and I have a turbulent credit history. Some of which we really could have done without, however some was absolutely necessary. We have paid everything off other than my student loans that have not entered repayment because I am still in school. Although we do try to pay the interest every month and make larger payments once in a while on the balance. So aside from that we are debt free. The problem now is that our scores are still below 600. How can we get them up quickly without having to open a bunch of credit cards?

Michelle W asked:


I got my first credit card a couple years ago via Bank of America, and my current credit limit is $9000. Since I don’t have any experience with credit cards in the past, I’m wondering if this is good or not? Is there anyway I can increase this limit? What do most credit card limits start at?

badhabit954 asked:


Has anyone ever paid someone to eliminate their credit history and started over fresh without paying the debt they owe? My co worker has an many other “educated” people I know who care alot about their credit has done this and get approved for the best interest rates and have credit cards and everything. Have u ever heard of this?

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.

Jess T asked:


Hi,
Im just after a straightforward answer to my question, if there is one:
What looks worse on your credit record, a default on a couple of credit cards, that have been paid off over 2years since the default, or several late payments and arrears on credit cards (im talking upwards of 10) but since that blip, all payments made on time for the next 2 years

Thanks for all your help

Janie asked:


When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than half of the available balance your credit will be fine. Is this true?

kaley asked:


I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?

Lil M asked:


How can you raise your bad credit score even when you pay credit cards on time and have collection accounts on your credit