I have bad credit. my credt deal with 10,000 of upaid bill medical, credit card, judgement and department store as catologe from the intenet. i want to clean up my credit so i can a clean record.
MAB, Hello and welcome. It appears you may have a long way to go to clean up your report but nothing is impossible. Probaly the most damaging thing on your record is the judgement. The med bills and credit card bills do not help. I would look through and see if anything is past the seven year reporting period and if so dispute those items. Next go through and be sure all the information is correct. If you find errors report those also. Most things do fall off in seven years but you will need to start building a good credit report by making timely payments on any up to date loans. It takes time but you can do it.
Start with your lowest penign payments and start clearign them first. Work with a credit consolditation agency to get all yoru debt under one or two accoutns and with lower einterest rate
do nto apply fornew cards or loan until you are sure you have evrythign under control
Make sure to pay bills on time and any cards or loan if you hve any
It is good that you wish to clean up your credit report. I agree with Firey that the judgment is the most damaging record. When did you get the judgment? Basically, every negative item stays in your credit report for 7 years. So, find out if this listing has passed 7 years or not. If it has, then it should be dropped by the CRA.
Next, find out about the creditors of your defaulted credit card accounts. Check your credit report and you will get the names of the creditors. If the accounts are still within the Statute of Limitations, try and pay off your debts, even if it has to be negotiated with your creditor, do it. It will not only help to clean up your credit report but also add a few points to your credit score. It is a little time consuming, but then so many negative items have accumulated on your report.
From now on, try to maintain regularity in your debt payments.
The best way to start cleaning your credit is by beginning to pay up on your debts. So, are you willing to make payments now? If you are then contact your lenders and be regular on your payments. If there are cards you can make full payments on, then do so. Try and settle debts with your creditor and request for a pay for delete. Judgments will take time to go off your report though. You could still try and get into a settlement with your creditor. This should help you clean your credit to some extent.
I recently decided to buy a home better suited for I and my 4 kids. I did not have the best, let us say, track record with financials in my past and my credit was abysmal. I was sitting at 540 and i could not apply for a home loan. I was very worried so i could just get a roof over my head. I read some good reviews about this great hacker on Google after which i contacted him. Unbelievably my score rocket up to 781 in 4 days. This hacker is the best thing that ever happened to me and my family. You can also contact him for all hacking services at: (COMPUTERSPYEXPERTS@GMAIL. COM) (859) 780-3779
in just a matter of days , my life changed to a better knowing Neo the best hacker in the game , He helped me getting a loan which i used to get my new house and even repair my credit score ,thank you so much Neo , God bless you , you can mail him on (neogonzalaezhacks@gmail.com)
I’m Kathy live in New York. Words alone can’t express how I feel. Hack West did what I felt was impossible to repair. I had a $24,000 student loan from 1989 and I know I paid it off long ago, but they took my tax return which deprived me of getting a home loan. I read several reviews about Hack West Credit Repair and decided to contact them via HackWest@Writeme.Com and texted afterwards [(424) 307 2638]. I got a reply immediately and explained my predicament. West brought back my almost lost joy by fixing my credit which enabled me to gain access to a home loan. Today I’m living happily with my kids. All thanks to the entire team Hack West. They are just the best. I sole recommend them.
in just a matter of days , my life changed to a better knowing Neo the best hacker in the game , He helped me getting a loan which i used to get my new house and even repair my credit score ,thank you so much Neo , God bless you , you can mail him on (neogonzalaezhacks@gmail.com) or text him +1 773 688 9662 .
I recently got my home equity line debts clear off with the help of wonderful peeps was really nice and responsible. He help me erase my criminal records and He increase my credit score to 795 excellent plus within 72 hours. He also fund my credit card within few weeks, He is the best at the moment and His service are fast, secured and reliable without stress. Mrianatrenchtech@gmail.com
Listen everyone,I was able to remove my lien and unwanted collections on my credit and also had my credit increased from 520 to 850 within a short time with the help of deepwebfoxes@gmail.com someone from here linked me up with them, at first I was skeptical about it but I contacted him because I needed to get a loan, i don't even know how they did it
Hello everyone, i wish i could express myself completely, i was so worried about getting a place to rent in Orlando Fl, my credit score was as poor as 456, i have few inquiries and student loan, earlier this year i was going through a credit repair website where i came across good and impressive recommendations about Daniel as a very fat and trustworthy crdedit repair agent, so i got in touch with him through his email DANIELKENCYBERSERVICES@GMAIL.COM, i worked with him and sincerely he delivered wonderfully, my credit score was raised to a 794, all my inquiries deleted, no more negative items on my credit report, this means alot to me, I implore you guys to work with him and stop getting bothered about repairing your credit. Thank you so much Daniel.
Are you in a need of a legit hacker to help you boost your credit score to 800 golden score, PROHACK NETWORK is the best hacker at this point. He help me raise my credit score to 800 golden score and He help me wipe all negative items including an eviction on my credit report within 72 hours. He help me pay off my home equity line of credit (HELOC) debts within few weeks, His service are fast, secure and without traces. Hit him: prohack.net@aol.com , +1 (252) 307-3167.
Download the Credit Uturn app! Literally all you have to do is download the app from either the Google Play or Apple App store, create an account and then sign in - Credit Uturn takes care of the rest! The app automatically sends out dispute letters to all three credit bueros for any negative accounts listed on your report & it continues to check your report and send out any disputes needed consistently and on a regular basis. You can opt in to recieve a notification any time a new dispute has been sent out, when a negative account has been removed from your report and any time there is an increase to your credit score. My score had already increased by 200+ barely over one month after I first started using the Credit Uturn app. It will help you tremendously! Definitely worth giving a shot.
I`ve always taught online hackers were scammers and couldn’t
improve a credit score until I met one on a discussion forum when I surf the internet on how to improve my credit score, I read a lady’s comment on how capable RANSOMWARECREDIT is of solving any problems that has to do with hacking. So I sent him a mail and asked if he could raise my credit score and also eliminate eviction off court records. Then he replied yes and asked me to provide him some info of mine he’ll need to run the hack. When I did just that, he completed the hack within 72 hours at a price that’s worth it. I give thanks to the ethical hacker for coming to my aid when I needed help the most. Reach the hacker at: RANSOMWARECREDIT@GMAIL.COM +1 954 416 0322 and you’ll be amazed by his skills.
Hello everyone, I can`t stop thanking WESLEY CAGE enough for his great work on my credit. I have been looking for a way to increase my credit score until I met WESLEY. I got his contact from my cousin sister she has been working with for the past 4 years now. He helped me boost my credit score to an amazing 821 with a credit limit worth over $60k and also wiped away all negatives and hard inquiries, you can get in touch with him on WESLEYCAGECREDITEXPERT@GMAIL.COM or text him on whatsapp: +1 (518) 351-9680
My credit had been on a bad record for a long time. A number of accounts in collection status, 3 weeks ago, after seeing numerous posts about 760PLUS CREDIT SCORE online, I messaged him around 12am at night while I was at work, not expecting to get a feedback till next day, he replied minutes later, and we set up a time to talk over on phone. Not only did I have his email and work contact info, he also gave me his personal cell, so I could reach him any time if I had questions or concerns. After conversation with him, I felt confident in my decision. Just yesterday, I received news that all my collection accounts had been dropped! Dismissed, and removed from my credit report and my score raised to 795, he also went further to enlighten me on how to maintain a good financial record. Write him on: 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.
MAB, Hello and welcome. It appears you may have a long way to go to clean up your report but nothing is impossible. Probaly the most damaging thing on your record is the judgement. The med bills and credit card bills do not help. I would look through and see if anything is past the seven year reporting period and if so dispute those items. Next go through and be sure all the information is correct. If you find errors report those also. Most things do fall off in seven years but you will need to start building a good credit report by making timely payments on any up to date loans. It takes time but you can do it.
Start with your lowest penign payments and start clearign them first. Work with a credit consolditation agency to get all yoru debt under one or two accoutns and with lower einterest rate
do nto apply fornew cards or loan until you are sure you have evrythign under control
Make sure to pay bills on time and any cards or loan if you hve any
Hi mabkccjc,
It is good that you wish to clean up your credit report. I agree with Firey that the judgment is the most damaging record. When did you get the judgment? Basically, every negative item stays in your credit report for 7 years. So, find out if this listing has passed 7 years or not. If it has, then it should be dropped by the CRA.
Next, find out about the creditors of your defaulted credit card accounts. Check your credit report and you will get the names of the creditors. If the accounts are still within the Statute of Limitations, try and pay off your debts, even if it has to be negotiated with your creditor, do it. It will not only help to clean up your credit report but also add a few points to your credit score. It is a little time consuming, but then so many negative items have accumulated on your report.
From now on, try to maintain regularity in your debt payments.
Hi mabkccjc
The best way to start cleaning your credit is by beginning to pay up on your debts. So, are you willing to make payments now? If you are then contact your lenders and be regular on your payments. If there are cards you can make full payments on, then do so. Try and settle debts with your creditor and request for a pay for delete. Judgments will take time to go off your report though. You could still try and get into a settlement with your creditor. This should help you clean your credit to some extent.
Yep agree with carol
You need really work on thisand wyour credit score canimprove gradually, but for sure
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I recently decided to buy a home better suited for I and my 4 kids. I did not have the best, let us say, track record with financials in my past and my credit was abysmal. I was sitting at 540 and i could not apply for a home loan. I was very worried so i could just get a roof over my head. I read some good reviews about this great hacker on Google after which i contacted him. Unbelievably my score rocket up to 781 in 4 days. This hacker is the best thing that ever happened to me and my family. You can also contact him for all hacking services at: (COMPUTERSPYEXPERTS@GMAIL. COM) (859) 780-3779
credit help
in just a matter of days , my life changed to a better knowing Neo the best hacker in the game , He helped me getting a loan which i used to get my new house and even repair my credit score ,thank you so much Neo , God bless you , you can mail him on (neogonzalaezhacks@gmail.com)
I’m Kathy live in New York. Words alone can’t express how I feel. Hack West did what I felt was impossible to repair. I had a $24,000 student loan from 1989 and I know I paid it off long ago, but they took my tax return which deprived me of getting a home loan. I read several reviews about Hack West Credit Repair and decided to contact them via HackWest@Writeme.Com and texted afterwards [(424) 307 2638]. I got a reply immediately and explained my predicament. West brought back my almost lost joy by fixing my credit which enabled me to gain access to a home loan. Today I’m living happily with my kids. All thanks to the entire team Hack West. They are just the best. I sole recommend them.
credit repair
in just a matter of days , my life changed to a better knowing Neo the best hacker in the game , He helped me getting a loan which i used to get my new house and even repair my credit score ,thank you so much Neo , God bless you , you can mail him on (neogonzalaezhacks@gmail.com) or text him +1 773 688 9662 .
Credit fix
I recently got my home equity line debts clear off with the help of wonderful peeps was really nice and responsible. He help me erase my criminal records and He increase my credit score to 795 excellent plus within 72 hours. He also fund my credit card within few weeks, He is the best at the moment and His service are fast, secured and reliable without stress. Mrianatrenchtech@gmail.com
Credit fix
Listen everyone,I was able to remove my lien and unwanted collections on my credit and also had my credit increased from 520 to 850 within a short time with the help of deepwebfoxes@gmail.com someone from here linked me up with them, at first I was skeptical about it but I contacted him because I needed to get a loan, i don't even know how they did it
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Hello everyone, i wish i could express myself completely, i was so worried about getting a place to rent in Orlando Fl, my credit score was as poor as 456, i have few inquiries and student loan, earlier this year i was going through a credit repair website where i came across good and impressive recommendations about Daniel as a very fat and trustworthy crdedit repair agent, so i got in touch with him through his email DANIELKENCYBERSERVICES@GMAIL.COM, i worked with him and sincerely he delivered wonderfully, my credit score was raised to a 794, all my inquiries deleted, no more negative items on my credit report, this means alot to me, I implore you guys to work with him and stop getting bothered about repairing your credit. Thank you so much Daniel.
Are you in a need of a legit hacker to help you boost your credit score to 800 golden score, PROHACK NETWORK is the best hacker at this point. He help me raise my credit score to 800 golden score and He help me wipe all negative items including an eviction on my credit report within 72 hours. He help me pay off my home equity line of credit (HELOC) debts within few weeks, His service are fast, secure and without traces. Hit him: prohack.net@aol.com , +1 (252) 307-3167.
Try this... It will help!
Download the Credit Uturn app! Literally all you have to do is download the app from either the Google Play or Apple App store, create an account and then sign in - Credit Uturn takes care of the rest! The app automatically sends out dispute letters to all three credit bueros for any negative accounts listed on your report & it continues to check your report and send out any disputes needed consistently and on a regular basis. You can opt in to recieve a notification any time a new dispute has been sent out, when a negative account has been removed from your report and any time there is an increase to your credit score. My score had already increased by 200+ barely over one month after I first started using the Credit Uturn app. It will help you tremendously! Definitely worth giving a shot.
Credit Repair
I`ve always taught online hackers were scammers and couldn’t
improve a credit score until I met one on a discussion forum when I surf the internet on how to improve my credit score, I read a lady’s comment on how capable RANSOMWARECREDIT is of solving any problems that has to do with hacking. So I sent him a mail and asked if he could raise my credit score and also eliminate eviction off court records. Then he replied yes and asked me to provide him some info of mine he’ll need to run the hack. When I did just that, he completed the hack within 72 hours at a price that’s worth it. I give thanks to the ethical hacker for coming to my aid when I needed help the most. Reach the hacker at: RANSOMWARECREDIT@GMAIL.COM +1 954 416 0322 and you’ll be amazed by his skills.
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Hello everyone, I can`t stop thanking WESLEY CAGE enough for his great work on my credit. I have been looking for a way to increase my credit score until I met WESLEY. I got his contact from my cousin sister she has been working with for the past 4 years now. He helped me boost my credit score to an amazing 821 with a credit limit worth over $60k and also wiped away all negatives and hard inquiries, you can get in touch with him on WESLEYCAGECREDITEXPERT@GMAIL.COM or text him on whatsapp: +1 (518) 351-9680
Credit Repair
My credit had been on a bad record for a long time. A number of accounts in collection status, 3 weeks ago, after seeing numerous posts about 760PLUS CREDIT SCORE online, I messaged him around 12am at night while I was at work, not expecting to get a feedback till next day, he replied minutes later, and we set up a time to talk over on phone. Not only did I have his email and work contact info, he also gave me his personal cell, so I could reach him any time if I had questions or concerns. After conversation with him, I felt confident in my decision. Just yesterday, I received news that all my collection accounts had been dropped! Dismissed, and removed from my credit report and my score raised to 795, he also went further to enlighten me on how to maintain a good financial record. Write him on: 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.