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??

Li asked:


I am thinking of those who do not have a credit card and pay for everything by check and cash. How is their credit rated? Is it based on a loan for example (car, student, etc.) and what if it is their first time applying for such a loan? How is their credit history looked at then? What if someone is applying for an apartment rental and does now own a credit card?

I have always wondered this.

Also, some people, after having paid off their debt, switch to using cash or check only, but apparently no activity at all on your credit card accounts isn’t good either.

Any input?

Tim O asked:


My credit history is a little sketchy with a few bad months of late credit card payments. I am afraid my potential having bad credit will keep myself and roommates from renting.

If I have bad recent credit history but my 3 roommates have good credit, will I ruin our chances?

Daisy S asked:


Hi

I am trying to get a mobile phone on contract. As I had no credit history I started paying with a credit card, repaying everything every month. I have been using my credit card for a couple of months now.
Do I have enough credit history now or should I keep using my credit card? For how long?
Thanks

Michael asked:


I am 20 years old and after trying to get a card for a store I find I have 0 credit history. I have never owned a credit card and want to pick a good one to start bulding credit. Does anyone know a good card to go with that has low interest? Heck if you have any credit tips it would be helpful too…Thanks!

Tay asked:


I just turned eighteen at the end of February, so I have limited credit history.
I was wondering what credit card is used for building credit, and would be the best choice for a person getting they’re first credit card.

babydoll86 asked:


I am willing to buy a used car for a newer year, but I’m pretty sure my credit is bad due to identity theft. Anyways, I was just wondering if there are dealers who will accept bad or no credit history. I know it’s still recession, so should they have a way of working out things for people with bad or no credit at a time like this? Thanks for ur opinions..

stepcmpb asked:


My mother just decided to start paying her bills with a credit card to help build her credit history. Is that a good idea?

Toad Face asked:


Questo mese pagherò fuori il mio fattura-significato che finale della carta di credito dell'agenzia di accumulazione non dovrò niente. The estimate of my credit history to be granted and it is pretty bad-How long will take for my accreditation to 'heal'?