Orientation-In fixing my credit score!

Submitted by Anonymous (not verified) on Tue, 06/28/2011 - 14:34

I need advice........I am trying to repair my credit.....I am not sure if I am doing it properly. Please help!

Went through a Loan Modification 6 months ago-Complete

Paid off alot of small credit cards.

Left with

1) 1200.00 Gas Card

2) 2000.00 Loan

3) 200.00 Store Card

4) 700.00 Store Card

5) 500.00 Capital One

Help......

I want to build up my credit and try to get better credit offers.

Welcome to the Forums!
The best way to improve credit score is to make payments on time. This is because late payments may hurt your credit score by 35%. Once you start making payments on time, your credit score goes up gradually with time. That’s why, you need to pay off your all dues ASAP.

Wed, 06/29/2011 - 05:23 Permalink
Jeya (not verified)

yes it will neg. affect your score slnatabtisuly. It may make it harder to get a home loan, but so will having several debts. You should try to pay off each account individually. Call your creditors to negotiate down the APR. You may have to wait on that house depending on what all negative info is in your report.

Wed, 05/09/2012 - 15:13 Permalink
Jessica Grigori (not verified)

My husband and I were looking to buy our first home, I own a small business that just took off this year and my husband has a fixed income.
We both wanted to get a home so desperately but got denied twice because of our poor credit score and bad credit history.
My uncle who is a loan officer introduced me to this great hacker (PROHACK NETWORK). He deleted all the negative items, raised our scores, my from 501 to 809 and my husband’s from 387 to 788 in 2 weeks and up till date we still have our scores within 700 - 800.
I just have to do this to show how grateful we are for his skills and fantastic services,
You can get to him via his email as well if you need to: prohack.net@aol.com or cell (252) 307-3167

Tue, 09/03/2019 - 02:56 Permalink
Robert Ramon (not verified)

Not showing gratitude especially to one who brought back hope when all hope seems to be lost isn’t just morally wrong but a sin. Words alone can’t express how XAP lifted back my soul and brought me back on my feet. How do I pay them back other than telling the world what XAP Credit Solution did for my entire family. I lost my first house due to fraudulent eviction. Though I had some collections and liens that brought my score to low 400s. I read about XAP and decided to give them a try. Long story short, my FICO score was boosted 800 and all those items removed including the eviction. I am now able to purchase a better home with very low interest rate. Here’s how you can get across to them (XAPCREDITSOLUTION@GMAIL.COM/ +1 972 597 9704). Thank me later. Cheers!

Fri, 09/13/2019 - 18:49 Permalink
Jack Anger (not verified)

Guys, I never believe that HACKERS exist, until my friend (Mr Smith) recommended PROHACK NETWORK to me for Credit Repair, I tried him, to my greatest surprise , all the negatives stuffs on my Report wiped within 10 days. My Score that was low 400s, increased to high 700s If you need him? Hit him via : PROHACK.NET@AOL.COM or TEXT +1 252 307 3167.

Sun, 09/15/2019 - 16:18 Permalink
Tracy Allen (not verified)

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .

Mon, 12/23/2019 - 21:21 Permalink
Mila Henry (not verified)

Merry Christmas guys, contact: autolinkscreditservices@hotmail.com or +1 520 800 6528 , for credit repair, they made me smiles again. I was evicted for some couple of months, then I went surfing the internet and find AUTOLINKS CREDIT SERVICES, I contacted them ASAP and they boosted my bad credit score from 368-780 within 5 days. They cleared all negatives on my report even gave me good trade lines for loans. Thank you AUTOLINKS CREDIT SERVICES I will keep recommending you to the world. Thank you once more am very happy, I now have my own home.

Thu, 12/26/2019 - 08:55 Permalink
Annette Ford (not verified)

In 2018 I was diagnosed of lung cancer, I had to begin chemo immediately and ended up spending all I had, hence couldn't pay my rent which was due by 09 January 2019. I was evicted on 14 May 2019.I already had a low credit score. So, I came up with the idea to wipe the eviction and increase my credit score and at this time my nurse introduced me to ROCKBASE CREDIT REPAIR; an expert on credit repair. He raised my score to 790 and also cleared the eviction I had. His contact: +1 (972) 449-1968 or ROCKBASE@PROTONMAIL.COM.

Thu, 01/09/2020 - 06:31 Permalink
BelleAllen (not verified)

I was all in debt and was confused about what to do with my life until i found this great hacker on the internet with wonderful reviews in different blog about credit repairs and how good he is. So i contacted him and explained all my problems to him and i was surprised when he said he's ready to help me with the little money i have with me. He help me clear all the negative items on my credit report, late payment were marked as paid and increase my credit score to 825 excellent and i got approved for car loans, house loans and all. He's also help me clear all my credit cards debts. He's real, honest and affordable. Kindly contact him with the following details and get your credit fixed fast.
Email: HACKNET567@GMAIL.COM
Phone: +1 (949) 397 8437

Wed, 01/15/2020 - 23:53 Permalink
Lara Swan (not verified)

After being rejected by a mortgage company due to poor credit score of 490, I ran into an old friend who introduced me to ROCKBASE@PROTONMAIL.COM as devastated as I was and down, I explained my challenges to Rock Base Credit Repair. Just in 3 days I got my credit score raised to 790. I had a bet with my friend I was going to reveal the hacker to the world if he should fix my credit score. Well here I am recommending this life saving team. For your credit score & credit report issues, bank, social media, phone hacks and many more email or text Rock Base on +1 (972) 597 9704. Also be bold to let others know about their good jobs. Thanks

Thu, 01/16/2020 - 00:04 Permalink
Austin Benedict (not verified)

Happy to have honored my mother in-law’s invitation last week for she helped introduce me to 760PLUS CREDIT SCORE who did a wonderful job by clearing all bad credit records on my profile. I contacted him on phone, we had a deal after our discussion and agreement, he increased my low credit score from 458 to 802 in less than a week removing all hard inquiries, charge offs and eviction after I narrated to this hacker on how I lost my wife and 2 children to fire accident that claimed their lives on 18th Nov, 2018. Life became difficult and sad for me back them. Am just happy I got my credit fixed even when the pains of losing my family is irreplaceable but I must appreciate his good works and thanking my mother in-law for her relentless support to me. CONTACT VIA: 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.

Mon, 01/20/2020 - 22:30 Permalink
Bodaway Cliff (not verified)

760PLUS CREDIT SCORE is reliable and efficient credit company to work with. A Colleague recommended 760PLUS to me after I confided in him about my poor credit situation. I contacted them immediately on +1(304) -774 -5902 and they increased my low credit score from 420 to 810 in less than a week. Removing all hard inquiries, charge offs and eviction. Guess what? They even added some positive trade lines to my report. I want you to contact them, they can help you. Here is their email: 760PLUSCREDITSCORE@GMAIL.COM /+1(304) -774 -5902. Cheers. Don’t forget to mention my name when you text.

Tue, 01/21/2020 - 00:09 Permalink
TayTay25 (not verified)

Download the Credit Uturn app! Literally all you have to do is download the app from either the Google Play or Apple App store, create an account and then sign in - Credit Uturn takes care of the rest! The app automatically sends out dispute letters to all three credit bueros for any negative accounts listed on your report & it continues to check your report and send out any disputes needed consistently and on a regular basis. You can opt in to recieve a notification any time a new dispute has been sent out, when a negative account has been removed from your report and any time there is an increase to your credit score. My score had already increased by 200+ barely over one month after I first started using the Credit Uturn app. It will help you tremendously! Definitely worth giving a shot.

Tue, 02/18/2020 - 07:38 Permalink
Donald (not verified)

Download the Credit Uturn app! Literally all you have to do is download the app from either the Google Play or Apple App store, create an account and then sign in - Credit Uturn takes care of the rest! The app automatically sends out dispute letters to all three credit bueros for any negative accounts listed on your report & it continues to check your report and send out any disputes needed consistently and on a regular basis. You can opt in to recieve a notification any time a new dispute has been sent out, when a negative account has been removed from your report and any time there is an increase to your credit score. My score had already increased by 200+ barely over one month after I first started using the Credit Uturn app. It will help you tremendously! Definitely worth giving a shot.

Tue, 02/18/2020 - 07:39 Permalink
Donald (not verified)

Download the Credit Uturn app! Literally all you have to do is download the app from either the Google Play or Apple App store, create an account and then sign in - Credit Uturn takes care of the rest! The app automatically sends out dispute letters to all three credit bueros for any negative accounts listed on your report & it continues to check your report and send out any disputes needed consistently and on a regular basis. You can opt in to recieve a notification any time a new dispute has been sent out, when a negative account has been removed from your report and any time there is an increase to your credit score. My score had already increased by 200+ barely over one month after I first started using the Credit Uturn app. It will help you tremendously! Definitely worth giving a shot.

Tue, 02/18/2020 - 07:39 Permalink
DebbieLaw (not verified)

Download the Credit Uturn app! Literally all you have to do is download the app from either the Google Play or Apple App store, create an account and then sign in - Credit Uturn takes care of the rest! The app automatically sends out dispute letters to all three credit bueros for any negative accounts listed on your report & it continues to check your report and send out any disputes needed consistently and on a regular basis. You can opt in to recieve a notification any time a new dispute has been sent out, when a negative account has been removed from your report and any time there is an increase to your credit score. My score had already increased by 200+ barely over one month after I first started using the Credit Uturn app. It will help you tremendously! Definitely worth giving a shot.

Tue, 02/18/2020 - 07:39 Permalink
DebbieLaw (not verified)

Download the Credit Uturn app! Literally all you have to do is download the app from either the Google Play or Apple App store, create an account and then sign in - Credit Uturn takes care of the rest! The app automatically sends out dispute letters to all three credit bueros for any negative accounts listed on your report & it continues to check your report and send out any disputes needed consistently and on a regular basis. You can opt in to recieve a notification any time a new dispute has been sent out, when a negative account has been removed from your report and any time there is an increase to your credit score. My score had already increased by 200+ barely over one month after I first started using the Credit Uturn app. It will help you tremendously! Definitely worth giving a shot.

Tue, 02/18/2020 - 07:46 Permalink
Derrick Richard (not verified)

760PLUS CREDIT SCORE cleared all financial mess from my profile, after reading favorable reviews about him online I decided to give a try base on reviews, I contacted him on 24th January, we had a deal after my wife explained to him our family worries and poor financial status, he gave me a task to make some initial commitment which I did, on 12th Feb, 2020 got an email that my credit score has being raised from 410 to 780, hard inquiries removed from my credit report. I got approved for mortgage loan as a result of my credit profile that is brought back to lime light. He is very fast and affordable. Write him via: 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.

Wed, 02/19/2020 - 00:40 Permalink
Elisa Brownson (not verified)

I failed in every way i tried to build my credit until i restrategized which was what saved my ass. This is an opportunity i won’t advice you to miss out on , 4 months ago i had a heap of financial troubles to sort out not knowing where to turn to for help and my credit was at 542 . I got an info from a colleague about RANSOMWARE CREDIT and their ability to completely clear debts and perform a perfect credit boost so i immediately made use of the recommendation . My mind has been at peace since I've been able to sort out my most pressing problem , feels good to be financially free . Contact them RANSOMWARECREDIT@GMAIL.COM or text +1 954 416 0322 to get help with this. 

Tue, 02/25/2020 - 17:54 Permalink
Dinah Page (not verified)

Hey people, I’m Dinah a retired veteran. I wouldn’t want to burg you with stories on how I met XAP; but for the fastest and most effective credit repair program you should consult XAP CREDIT SOLUTION, they helped me achieve a 790+ and deleted all my negatives within a few business days, you can also reach them at (XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704) Just let them know i referred you.

Thu, 02/27/2020 - 02:28 Permalink
James M (not verified)

I had a few items from my past that I was trying to address, Ransomware Credit was very gracious to provide me with the best solution that suits my issue and developed a strategy that will work best to achieve my goals. It is not very often that you find a credit repair firm that is willing to offer the best of their services to solve your financial situation. if you need help with your credit i would strongly advice you reach out to this repair firm via
Ransomwarecredit@gmail.com +1 954  416 0322 for all credit repair

Thu, 02/27/2020 - 22:56 Permalink
Jackson Isabella (not verified)

HACKWEST at WRITEME dot Com
+1 (424)-307-2638
Wow, so many reviews! I was scammed by some Self acclaimed hackers. I remember when we were trying to get my husband’s credit up enough to get a home loan. We had around 15,000$ in debt, including a car loan, personal loan, and credit card debt. We had some late/missed payments on our car loan from years ago, things were getting really bad for us and then it got even worse. It reminds me of a Boby Dylan lyric, "When you think that you lost everything, you find out you can always lose a little." My husband came home with a flyer for a credit score repair team named Hack West Credit Repair and told me these computer experts could erase our debt, increase his credit score and edit all of the bad history and late payments from the financial report. "THIS CAN'T BE POSSIBLE”, I said, they're trying to scam us and I can't believe you'd be dumb enough to fall for it. I was convinced and we gave them a try, to my greatest surprise Hack West made it happen for us. They did more than we expected we can now boost of our own home. All thanks to Hack West

Mon, 04/06/2020 - 06:26 Permalink