- May 5, 2011 at 2:31 pm #204947AnonymousInactive
I am trying to repair my bad credit so that i can raise my score to buy a house. I have gotten a credit report and the main problems i have are unpaid medical bills, a judgement and a student loan. I have never had credit card so i dont have any of those problems. what i want to know is what is the best way to handle this and would it be a good idea to hire a credit repair agency. i was told by one person that they could repair my credit for $200 and $50 a month. I also have things that are over 7 yrs old how can i get these removed some were even relisted on my credit report after the 7yrs can they do that?
- May 6, 2011 at 4:38 am #259640AnonymousInactive
You will still have to pay them off. It’s 7 years from last activity date, which could be a simple connected phone call, or them selling it to an agency.
Don’t pay $50 per month. They can’t repair your credit magically. You have to pay it off.
Go to careonecredit.com. They will combine everything into one low payment for $30 per month. You can do everything online.
Then you will need to get a credit card, even if it’s like $100. Never let it go more than 30% of the limit, and pay it off every month.
- May 9, 2011 at 12:20 am #268739comlentheatsioqaMember
get a credit card make some purchases and then just make the minimum monthly payments that worked for me
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