I have turned my credit around in 1 year. The first thing you need to do is get a copy of your credit report. If there is anything on there that you dispute you have to dispute it. The company that is saying you owe it has 30 days to respond to your dispute if they don't it get taken off. If they are legit charges you need to contact them and work out a pmt arrg. Settlement usually isn't good so if you can try to pay in full. Whether it's pmts or in full. If you do payments they they start to report that you are paying on time. I had someone elses SS # on my report and there were things that were taken care of years ago and all I had to do was provide proof and it was wiped of. FM for any questions.
What if there is nothing wrong on my credit report? I have no charges or anything? I'm in good credit standing. No credit agencies are after me. Nada.
LuvMyAlfonse
Posted:
Member since
Re: Credit Help
Posted by dannisayz
What if there is nothing wrong on my credit report? I have no charges or anything? I'm in good credit standing. No credit agencies are after me. Nada.
do you have a balance on your Amex?
Call them up and say you received a credit card offer from Capital One offering you 0% for a year and if they don't lower your rate you will close your account.
If they don't bite - ask for a supervisor and tell them the same thing.
Of course if they still don't bite - at least you tried.
Lisafer1973
Posted:
Member since
Re: Credit Help
Posted by dannisayz
Posted by Lisafer1973
I have turned my credit around in 1 year. The first thing you need to do is get a copy of your credit report. If there is anything on there that you dispute you have to dispute it. The company that is saying you owe it has 30 days to respond to your dispute if they don't it get taken off. If they are legit charges you need to contact them and work out a pmt arrg. Settlement usually isn't good so if you can try to pay in full. Whether it's pmts or in full. If you do payments they they start to report that you are paying on time. I had someone elses SS # on my report and there were things that were taken care of years ago and all I had to do was provide proof and it was wiped of. FM for any questions.
What if there is nothing wrong on my credit report? I have no charges or anything? I'm in good credit standing. No credit agencies are after me. Nada.
Then you really need to get a copy of your report. Someone maybe using your social. Sometimes it is also due to lack of credit. If you try get certain cards that will give you $300 credit limit then you can start to build from there. But it really is important to always keep your balance 50% less that your limit that is how they will increase you. I know someone mentioned that earlier too.
dannisayz
Posted:
Member since
Re: Credit Help
Posted by LuvMyAlfonse
Posted by dannisayz
What if there is nothing wrong on my credit report? I have no charges or anything? I'm in good credit standing. No credit agencies are after me. Nada.
do you have a balance on your Amex?
Call them up and say you received a credit card offer from Capital One offering you 0% for a year and if they don't lower your rate you will close your account.
If they don't bite - ask for a supervisor and tell them the same thing.
Of course if they still don't bite - at least you tried.
I have a balance. $2000 limit; $1500 balance. However, it's the only card I have now. I just paid $5500 to by Visa and closed the account.
I won't be able to pay off the Amex till school starts again and I have a paycheck.
