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I have a poor credit rating (600) with about 40,000 in student loan debt.. and about 6000 in credit card debt.. I just started a new job and make around 70,000/yr before taxes. What is the best/fastest way to fix my credit rating.

5 Thoughts on How to fix poor credit briskly?… after starting a new job with supplemental income?
  1. Reply
    Ryan M
    August 9, 2011 at 8:22 am

    Pay debts TIMELY and SWIFTLY. Thats about all you can do!

  2. Reply
    jlf
    August 9, 2011 at 8:32 am

    Poor credit cannot be fixed “briskly.” You must gradually build a record of “good credit behavior.”

  3. Reply
    Dave
    August 9, 2011 at 9:00 am

    Unfortunately, it’s going to take you awhile to bring your score up. However, you’re making good money and you can get rid of a lot of the debt in a relatively short time. Here’s what you should do to get your score up:

    1) Live *extremely* frugally and put every penny you can into paying off your credit card balance.

    2) Once you pay off your credit card balance, keep the credit card open, and use it for small purchases each month. Then pay off the balance each and every month. If possible, get another card and do the same with it.

    3) Live *extremely* frugally and put every penny you can into paying off your student loans quickly.

    4) After all this is done, do not buy anything that you don’t have the money to pay for in advance… obtain credit and make timely payments only to build up your score… but have the money in the bank to pay off in advance any loans you take out (in case you lose your job or have unforeseen circumstances that prevent you from making payments). If you can’t do this, then don’t take out loans.

    If you have negative entries/history, you will have to wait 7 years from the reporting date to see them vanish from your credit report. Bankruptcies, judgments, and other negative public records entries will take 10 years to go away.

  4. Reply
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    August 9, 2011 at 9:28 am

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  5. Reply
    Case
    August 9, 2011 at 10:22 am

    Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – creditreport.imess.net

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