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What is the quickest way to fix your credit? I have hospital bills on my credit. I have one credit card from a terrible company but hey that’s all I could get… {.rewards660} can I please have some advice. Also by doing those free credit report does that hurt or lower your score. I’m really curious if this credit card has been helping me I have had it since august and wanted to see if it has helped my score. Is it safe to look at my credit report? I looked at in when I first got the card. I am also interested in renting a place and they check your credit I want to make sure by checking my credit score won’t lower it any worst.

4 Thoughts on credit help?
  1. Reply
    xrainbow_dropsx
    August 25, 2011 at 7:58 am

    it lowers your score by one or two points. but you are by law able to get one free credit report a year and since you checked it in august, you have to wait until august this year.

  2. Reply
    CAT, the TYPO QUEEN
    August 25, 2011 at 8:02 am

    Get your credit report. Look over any unpaid bills, write offs, etc. Contact each one and pay them, THEN, in WRITING ask the company to report the payments made to the credit bureauS…all of them. THEN, run another credit report about a month later.

  3. Reply
    heyteach
    August 25, 2011 at 8:36 am

    Lots of solid info here:
    http://www.myfico.com/CreditEducation/

    That is the home of THE king of scores, the FICO.

    Med bills usually are given little weight by creditors because we all know the score on those–you never are given informed consent–who knows what they’ll bill you at and if insurance will pay even if they should, etc.

    When YOU check your credit, it’s not a problem.

    You want to ALWAYS go through:
    https://www.annualcreditreport.com/cra/index.jsp

    That is the free REPORT site the ONLY one.

    Remember to see your SCORE–that you PAY for. You could pull just one and you’ll be in the ballpark as they all use FICO with a gentle proprietary tweak.

  4. Reply
    JoAnn N
    August 25, 2011 at 8:39 am

    You can go directly to the credit reporting agencies and request a free report once a year. When you do get your report (if you do this on line) you can hit the dispute button and start the process of trying to repair your credit. They explain on the report what you need to do.

    Go to this Government site:
    http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm

    They have allot of helpful information and they also tell you where to get your credit reports.

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