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My credit is so low (wont say the number too embarrassing) that I cant even rent an apartment without a co-signer. How can I make it better without going through a consumer credit counseling company that claims to help you but just take your money and increase your debt?

7 Thoughts on My credit is shot…how can I make it better?
  1. Reply
    July 31, 2011 at 11:38 pm

    f-r-e-e that spells free. credit report . com baby!

  2. Reply
    August 1, 2011 at 12:23 am

    take out loans and pay them back on time. also get a cell phone plan under your name and pay on time. get credit cards and pay them on time, etc. make sure you pay everything you owe and every time you do things like this, your credit increases.

  3. Reply
    Jennifer M
    August 1, 2011 at 1:10 am

    It may take a long time ( like 7 years) but in most cases you just have to ride out the bad things on your credit. No company can make things disappear from your credit or repair it so you are smart not to give them your hard earned money. Try to open a store line of credit and keep purchases small and pay them off in full each month. This will help some, but more then likely you will have to wait until the bad stuff is gone.

  4. Reply
    Ray S
    August 1, 2011 at 1:49 am

    you can’t, americans do not help americans, we enjoy torturing each other, there is no compassion, put your faith in god’s kingdom and the new system he has planned where all your problems will be solved

  5. Reply
    August 1, 2011 at 2:42 am

    Only time will heal damaged credit….sorry…There are no quick fixes…but there are plenty of firms out there that will make you believe there are and they’ll take your money without producing results.

    Just keep out of financial trouble…You might try to get a secured credit card and pay that on time…It will help (eventually).

  6. Reply
    stan c
    August 1, 2011 at 3:05 am

    If you have $ 500 in a savings account, convert it into a secured credit card. Most banks can set it up for you. Do not go to a credit union because most do not report to the credit bureaus in order to keep the cost down.

  7. Reply
    Steve R
    August 1, 2011 at 3:22 am

    Pay your bills on time and pay off your credit cards.

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