How do I check my credit report? I have no accounts in good standing all are in collections or closed. What do this mean? How do I know who owns the debt? Thank you
First. Pay attention to the folks that say pay off the card with the hegihst interest rate first, then the next hegihst, etc Second. If you have 16 credit cards, you have WAY too many. Close some of them. (Not all, some.) Keep 3-4, maybe 5 accounts open. That will help your credit score. 16 open accounts, not so much.Last, there is no magic way to get your credit score to rise fast. There are things that you can do to better you chances of an increase, but the only thing that will raise your credit score is paying off your obligations in a timely manner over time.Paying off the credit cards, good boost. Paying off the credit cards in full every month, not so big a boost.Getting a car loan or mortgage and paying that off over time, big boost. Getting a debt consolidation loan and paying that off over time, not so big a boost.Getting a mortgage, HUGE boost.Best of luck!
No accounts in good standing
Welcome to the forums!!!
Check your credit report thoroughly. I hope you will get all information from there.
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First. Pay attention to the folks that say pay off the card with the hegihst interest rate first, then the next hegihst, etc Second. If you have 16 credit cards, you have WAY too many. Close some of them. (Not all, some.) Keep 3-4, maybe 5 accounts open. That will help your credit score. 16 open accounts, not so much.Last, there is no magic way to get your credit score to rise fast. There are things that you can do to better you chances of an increase, but the only thing that will raise your credit score is paying off your obligations in a timely manner over time.Paying off the credit cards, good boost. Paying off the credit cards in full every month, not so big a boost.Getting a car loan or mortgage and paying that off over time, big boost. Getting a debt consolidation loan and paying that off over time, not so big a boost.Getting a mortgage, HUGE boost.Best of luck!