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Hi Guys,
I got a visa card with 500$ credit almost two years ago. I forgot to pay a bill and my credit worthiness is now poor. To repair it faster, should I get new credit cards or I should wait with the same credit?
Thanks.
Hi Leos,
First try to repay the debt. Talk to the creditor and negotiate with them to remove the negative account from your listing once you have paid the debt. You can use a pay for delete letter to do this. After that you can go for a secured credit card and use it responsibly to pay the bills on time. This will enhance your credit worthiness. Remember the best way to have a good credit history and score is to pay the bills on time and not to miss payments. You can also get gas/store cards and use them properly to build a good credit history.