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Ways to repair bad credit!

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Joined: 01 Jun 2009
john's page
Posts: 1

161 Magic Points

Subject: Ways to repair bad credit!
Posted on Mon Jun 01, 2009 9:26 pm  

Hello everyone, I have been hearing about ways to repair bad credit and the services available online to help us make the right move in that direction. Though, I find that my credit score has been good enough, I would still like to know the services that help us in this regard.

Joined: 02 Jun 2009
Chimbu's page
Posts: 1

24 Magic Points

Posted on Tue Jun 02, 2009 10:09 am  

i have bad credit because of theft identity. this farm has a contract with sanderson farms. they would pay direct to the lender. i have 5 years experience in the poultry business.
high interest savings

Joined: 29 Jan 2009
aby's page
Posts: 32

114 Magic Points

Posted on Wed Jun 03, 2009 3:10 am  

hey john
if you have any installment of loans then you should pay it off before the due dates. try to keep a gap between the amount of credit you're using and your available credit limits.Always try to use your oldest credit card so that your credit history is regularly updated.
check the limits of your credit card ,sometime lenders may give you lower limit then what you have,so ask them they ll update your information.


Joined: 11 May 2009
rachael's page
Posts: 233

6576 Magic Points

Posted on Wed Jun 03, 2009 4:47 am  

Hi john,

There are many credit repair companies that repair your credit online, for a fee. You will have to fill out the online forms, to get their services. But nobody can remove negative items from your report, within a short period of time, if they are accurately listed. So, you must verify the companies background, before you sign-up for any credit repair services.

I feel it is always best to repair your credit on your own. The bucks you save by fixing your credit on your own, can be used to pay off your debts. Here are a few easy tips to improve your score.
Looking forward to a debt-free life.

Joined: 03 Jun 2009
guptil's page
Posts: 1

46 Magic Points

Posted on Wed Jun 03, 2009 8:06 pm  

There are many services available online that will help you in repairing bad credit and making a good credit score. I have had experience of such services for bad credit repair and would hope that they would help you too. Having a good credit score is really important in terms of financial gains and represents a healthy financial status. Check out [url]""[/url] for more details and repair you credit score.
matha kavanaugh

Subject: repair-inprove credit score-report
Posted on Sat Jun 06, 2009 10:40 am  

need to inprove credit score-history

Joined: 07 May 2009
sunil's page
Posts: 40

87 Magic Points

Posted on Sun Jun 14, 2009 11:44 am  

Always be updated with your credit card limit.
check proper credit score history.

Joined: 15 Jun 2009
moemi's page
Posts: 3

149 Magic Points

Posted on Mon Jun 15, 2009 4:15 am  

I had so many collections in my credit report, and I thought I never would qualify for anything with my credit score stucked in the 500s...Then a friend of mind told me about this company, it took about 3 months before I noticed any change, but gradually I noticed that the collection reports were being deleted from my report. In the end there were only 2 collections left out of 20 ! although it cost $ 29/mo it was really worth it..

Centurion Law Firm

Joined: 07 Jan 2009
jenna343's page
Posts: 5

251 Magic Points

Posted on Fri Jun 19, 2009 8:08 am  

All of us make mistakes...Its Never too late to improve your credit history!There are many ways:like paying your bills on time;Avoid late payments this can affect your credit score.
Looking for payday loan and canadian payday loan? Get payday loans in Ontario.


Joined: 28 May 2009
AMIT's page
Posts: 9

371 Magic Points

Posted on Sun Jun 21, 2009 11:25 am  

yes it is really true that one cannot build a credit score overnight. but I strongly believe that instead of outsourcing the credit repair to any credit repair company, one should do it on one's own.because credit repair is not a overnight there is no magic involved in this.

One can ask some guys who have experienced what exactly these credit repair companies do and then after analyzing one can surely use all those processes on your own.

this is the perfect advice for the person who do not want to spend hefty money as well has knows that credit can't be built overnight.

Joined: 27 Oct 2009
marcusandila's page
Posts: 133

3037 Magic Points

Posted on Tue Nov 03, 2009 11:08 pm  

Interesting responses. I never heard of paying someone to repair your credit for you. Sheash, this website forum is fantastic. lol I'm learning all kinds of neat things.

I don't think I would pay for credit repair either. It's more cost effective to pay your debt or put the money into a savings account. Let your money MAKE you money. Smile Actually, I am so skeptical about any kind of company really involving debt. Debt is such a touchy subject in my life, I want only legitimate companies lol I can't afford a scam!!!

Joined: 03 Oct 2009
andyth's page
Posts: 48

67 Magic Points

Posted on Mon Nov 09, 2009 2:37 pm  

i will simply say one mantra for credit score improvement as
"pay bills on time"
That is affecting imensely .


Joined: 28 Oct 2009
FreedomDM's page
Posts: 105
Location: Florida

2329 Magic Points

Subject: Hey There
Posted on Wed Nov 11, 2009 12:26 am  

You can pay someone sure, but PLEASE be sure to check them out on the BBB before sending any type of payment- with any business for that matter - its always good to do your homework.

Looking for some free ways to repair your credit without a service? I have 2 posts in here.

One called: Clean Credit: How to Improve Your Credit, 5 FICO Steps
-posted Nov 9th

The Second Called: Build Your Credit W/out Using Credit- New Tips!
- posted today, Nov 10th

These easy guidelines can help you not only improve your credit, but better understand your credit score and what does and does not affect your credit.

Our non-profit also provides free budget counseling and credit consolidation services and our fees are nominal to say the least. Check out those 2 articles, i think they'll help you a lot AND you wont have to pay anyone.

Have a great evening!

Michael J. Brazier
Michael J Brazier
Performance Based Debt Relief

Joined: 14 Nov 2009
interstudy's page
Posts: 6

112 Magic Points

Posted on Sat Nov 14, 2009 2:45 am  

The Fact is that anyone that tells you they can fix your credit within a certain amount of time, is either lying or doing it illegally. And who will pay the price/ You will.
You will pay their fees and be left with the same credit, or paying the legal price for their actions.

The best advice, start slow. It takes years to repair bad credit.
Focus on today. Focus on the bills you have now. Whatever is negative on your report, it is already their, Focus on what isn't there yet and make sure that is paid. The longer you can stop anything from hitting your report as unpaid or late, the better. Also you have to start building credit. The key is to have more new positives and less and old negatives.
Learn How To Live With Your Bad Credit

Joined: 13 Nov 2009
Margaret's page
Posts: 78

-137 Magic Points

Posted on Sun Nov 15, 2009 4:53 pm  

focus on credit card bills .pay ontime that will affect 35% of credit score improvement.

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