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HomeCredit ForumCredit repair

Help me!

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gongzuo



Joined: 23 Jul 2008
gongzuo's page
Posts: 4



171 Magic Points
Subject: Help me!
 
 Posted on Wed Jul 23, 2008 9:39 am  
Hi,I'm on Credit Blacklist,it was terrible!How can i repair it
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2865



0 Magic Points
 
 Posted on Wed Jul 23, 2008 10:48 pm  
gongzuo,

There are many ways to repair you credit, but any way you choose will take time and discipline on your part.

You will want to start a few different tradelines, a small credit card that you can afford, a car loan that you can afford and any other type of account that will establish a creditable payment history for you.


Hopefully you can find some that are willing to give you that shot with your credit. This may be the hard part. Persistance and patience will win out. I am sure that others will come along and offer you advice, there are many folks here in your shoes, so the exchange of information and advice will be good for you here. Hang in there, it can only get better right????? Razz
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
gongzuo



Joined: 23 Jul 2008
gongzuo's page
Posts: 4



171 Magic Points
Subject: help
 
 Posted on Thu Jul 24, 2008 7:44 am  
Thanks for your replaling.
The rating of my credit card is increasingly low,and bank loans difficult to declare.Can you give me some advise and Recommend some sites about this questions.
 
JPolito830



Joined: 21 Jul 2008
JPolito830's page
Posts: 28
Location: Richmond, VA


948 Magic Points
 
 Posted on Thu Jul 24, 2008 3:51 pm  
I would use the yellow pages and find a reputable local credit counseling service. Make sure you do research to see if they are legit and trustworthy.
_________________
Searching for debt consolidation assistance.
 
gongzuo



Joined: 23 Jul 2008
gongzuo's page
Posts: 4



171 Magic Points
 
 Posted on Fri Jul 25, 2008 2:59 am  
Thank you for your advice.I will try.
 
anthony

anthony

Joined: 31 Jul 2006
anthony's page
Posts: 445



11182 Magic Points
 
 Posted on Fri Jul 25, 2008 10:58 am  
Hi gongzuo
I would always advice you to repair your credit by yourself and not to go for any credit repair companies, as you will end up spending dollars on them, which you could use to pay off your debt. This forum has lot of discussions on how to repair your credit by yourself.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
You can also visit my blog
http://financewatchonline.blogspot.com
 
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 296



8067 Magic Points
 
 Posted on Fri Jul 25, 2008 11:17 am  
I agree with you Anthony. To explain you in short gongzuo, all you need to do is to go through your credit report and find which of the listings is affecting your report. If you find a CA listing send them a debt validation letter. If they validate your debt within 30 days of receipt of your letter try to settle for a PFD agreement, but if they cannot validate your debt, send dispute letter to the Credit bureaus asking them to delete the listing. Again if you find hard inquiries in your credit report, send the inquirers letters asking whether they had proper authorization to make hard inquiries. In most cases they do not have proper authorization and so they delete the listing. However, if there is any charge off or bankruptcy listing it cannot be deleted neither by you or by a credit repair company. This forum has lot of conversations about how can you repair your own credit. You can go for credit counseling, but I would suggest you not to go for credit repair companies because the amount you give them as their fees can be used to repay the debt if you try to repair your credit by yourself.
_________________
Best Wishes
Justin
 
andrew000



Joined: 16 Jun 2008
andrew000's page
Posts: 8



246 Magic Points
 
 Posted on Fri Jul 25, 2008 1:21 pm  
Hi sorry I cannot help you because I don't have any idea about this matter.
 
best buy credit repair .



Joined: 25 Jul 2008
bestbuycreditrepair's page
Posts: 8



1083 Magic Points
 
 Posted on Fri Jul 25, 2008 1:42 pm  
10 years ago I filed for bankruptcy. From then on, I have been doing credit repair on my own and my wifes credit files. It is a full time job just knowing how to handle each negative trade line on your report. There are legitimate credit repair services out there. I used Lexington law, who turned out to be the worst, monthly fee schemers. I did then get tired of the wording, "this item has been verified" letters. So............ I decided to read up on the Fair Credit Reporting Act.
I am now certified. I do credit repair as a part time Job. I have had very good results. It is all in the know how. Took me ten years to learn, but I learned. The draw back to repairing credit is the time involved. Following through on replies, how to handle a collection agencies verification, or validation letter sent back to you. Its like trying to sell real eastate, You need to know what you are doing.
Feel free to visit my site:

Bestbuycreditrepair.com
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 2865



0 Magic Points
 
 Posted on Fri Jul 25, 2008 10:06 pm  
how long have you been doing it?
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 380



4081 Magic Points
 
 Posted on Sat Jul 26, 2008 1:22 am  
I couldnt say it better than Justin did
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

www.homecreditrepair.net

http://homecreditrepair.hqforums.net/
 
gongzuo



Joined: 23 Jul 2008
gongzuo's page
Posts: 4



171 Magic Points
Subject: Thanks
 
 Posted on Mon Jul 28, 2008 2:24 am  
Thanks for your advice.I will try.
Last,thank you very much.
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 631



-31 Magic Points
 
 Posted on Tue Jul 29, 2008 12:05 am  
Justin has said it the best way that I could think possible, you definately need to pull your credit reports and do as Justin has said to do and go through them thoroughly.
 
mierda
Guest
Subject: diarrea
 
 Posted on Tue Jul 29, 2008 2:01 am  
mama guevo
 
doranp20



Joined: 12 Jul 2008
doranp20's page
Posts: 14



646 Magic Points
 
 Posted on Tue Jul 29, 2008 4:01 am  
I also agree with justin. That's some top of the line information right there. Hope you repair it!
_________________
www.freecreditprovide.com
www.freecreditprovide.blogspot.com
www.squidoo.com/freecreditprovide
 
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