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How bad are things? Are you trying to find someone because you feel out of your depth, or because you feel like you don’t have the time to do it yourself?
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Once you have those credit reporting agencies on your credit you might as well have filed for bankruptcy and just get a fresh start. Credit repair is a scam.
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can you call the collections agencies and work something out?
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Accept bankruptcy stays on the report for ten years.
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One thing on Minimum payment. Round it up to the next 5 or 10 $. It triggers something and the score moves up a point or two. It's a slow process though but it works.
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I only have 2 collections,a car i ended up giving back that I shared with someone,well I tried helping someone else by adding them on to the car to build their credit. I have a lot of charge offs due to not having a car for awhile and not being able to work to pay them. Hard inquires and that’s pretty much it. My score is over 600 but I would like it to be over 700
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The dispute process will work provided they dont respond. Dependent on your existing credit card dedt and score you may wish to go with debt management plans (via credit counseling), debt consolidation loans, debt settlement, and negotiating directly with creditors. See link for helpful information from Credit Bureau:
https://www.experian.com/blogs/ask-experian/alternatives-to-filing-bankruptcy/
If you have charge off from cosigning your best bet may be filing Chapter 7 and starting over dependent on age of debt/charge off and amount of debt.
YOU SHOULD NEVER PAY ANYONE FOR THESE SERVICES. THEY GET PAID VIA THE BANKS UNDER A LAW WHICH WAS ENACTED BACK IN 2005. See BAPCPA ACT
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I only have 2 collections,a car i ended up giving back that I shared with someone,well I tried helping someone else by adding them on to the car to build their credit. I have a lot of charge offs due to not having a car for awhile and not being able to work to pay them. Hard inquires and that’s pretty much it. My score is over 600 but I would like it to be over 700
It just takes time.
It takes 2 years for credit inquiries to drop off your report.
10 years for bankruptcy
7 years for late payments and charge offs
Don't apply for credit if you already 2 inquiries, let them fall off first.
Good luck.
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Debt sucks, we all get it.
If you just start chipping away, you'll be in good standing in no time!
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| There are 9 comments on this blog. |
