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How To Fix Credit Scores?

How do i fix my credit the easiest?

  • I am not looking for an easy out. I am not looking for a quick fix. I am not looking for a lecture. I am simply asking for advice. I had ok to good credit. My husband has below poor credit. Now we are married and our score is ok. We both made mistakes when we were younger and have changed our habits tremendously since but now that we are finally getting to the point of being ok not great but ok financially I was wondering if there is a way or place that helps fix credit scores and debt already in collections. So we can start this new chapter of our life on a positive note and fix the past. :) thanks for any tips or help :)

  • Answer:

    Any site that promises to repair credit will be an outright scam. Get a book on Credit Repair from your bookstore for about $15. You have items in collections, yet you mention you have ok credit. You do not have ok credit, you have bad credit if anything is in collections Bankruptcy will not discharge your student loans. They can even go after your tax returns when they finally sue you. Suggestion is to gather up money now so that you can settle. The book will teach you how to do this. Debts simply don't go away despite popular belief.

LexyBear at Yahoo! Answers Visit the source

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You are on the right road to recovery. There is no easy or quick fix. There is a best fix. The best fix is to pay the debts or settle them. Then continue to pay your current debts on time every time. This will not be an overnight fix. It will take about 2-3 years. You have to be patient. Truthful, accurate information on your credit profile cannot and will not be removed. But over time, the age off your profile. Old info has less impact on your profile than recent bad info. Do not go to a credit repair agency. You'll pay them a fee up front. What they do is challenge the bad info on your report. During that challenge process (about 60-90 days), that bad info is temporarily removed resulting in a temporary increase in your score. The key word is temporary. When the bad info is verified, then your score takes a plunge back to where it was before the challenges. That's a false improvement on your profile. Lenders will know you are challenging the bad info and will be reluctant to give you loan until the challenge process is completed. You end up with nothing for the fee you paid.

Dan B

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