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My credit is horrible and i owe like 3,000 dollars to different places but they all sent me to collections. how should I fix it. where do i go . who do I call? I just need help. I am in the Helena area. I am only 20 and going to have a baby and i want to fix it before my due date which is in september. or late augest I need help!!!!!!!!!!! please
I have a plan that will help you not only get your plan on track, but to help you build credit for the future. You're still young @ 20, so you'll be ok. Here's my plan: What you have to understand is what makes up your credit score: 1. Payment history- 35% 2. Total debt owed to avialable credit ratio-30% 3. Length of time establishing credit-15% 4. Types of credit established-10% 5. Inquiries and New accounts-10% With that in mind, this is some steps that you should do in order to get yourself in a better financial position to rebuild your score: 1. Open a checking and savings account- while this won't directly affect your credit score, it does many things. It re-establishes a relationship between you and a financial institution, which by being an customer in good standing, could help make it easier to get approved for credit cards and loans. Most importantly, by opening a checking account it gives you the single most powerful tool in building credit, to help pay your bills on time, especially if the bank offers online billpay. 2. Gather ALL your credit reports- It's important to know exactly what's on your reports. A lot of times, people believe that their credit is so bad, that they don't bother to check their reports for mistakes, and trust me, mistakes DO happen. The credit bureaus don't get paid to be accurate, they get paid to report. It's important that you gather reports from all 3 agencies to determine not just who and how much you owe, but to make sure that what's on there is even correct. If you do happen to find something that you're sure is not right, you should dispute with all 3 agencies, they all have an online dispute feature in which you can dispute the item. Once you've made sure that there's no inaccuracies on your report, then you should arrange your debts from most recent and lowest amount to oldest and highest amount. Debts that are newer than 2 years are hurting your score the worst and should be handled first. What you should know that just paying off debts, especially collection debts will not help your score. A "pay to delete" or "deletion payment", which is a payment in exchange for removing it from your report completely. I posted several links that explains this more in detail. If you're sucuessful, this will help your score. 3. Open new credit- I had mentioned in #1, about opening a checking and savings account with a bank or credit union, I'm going to tie that in with what I'm about to say. Some major banks (Bank of America, Wells Fargo, USBank, Orchard Bank) and some credit unions offer secured credit cards, which are credit cards that require a deposit to establish credit. Whatever you deposit would be the credit line, for example, if you deposited $300, then your credit line would be $300. The deposit isn't used to pay for what's purchased on the card, you would still need to either pay in full or make monthly minimum payments. The deposit is used only if the account becomes delinquent and goes to collections. A couple of good things is that you can increase the credit limit by adding to the deposit, which can help your score because it creates a much needed cushion between the total debt that's owed and the available credit, and also the deposit is sometimes linked to a savings account which earns interest while you're building credit, so the deposit isn't just sitting there. A good way to build credit with the card is to make small purchases ($20/month max) and pay it off on time every month, while adding to the deposit. Usually after a year or so, of paying it off on time, the card either converts to a regular card or it's upgraded to a better card, and most importantly the deposit isn't needed anymore and it's given back. My suggestion would be to open another secured card and repeat the process or open 2 at a time, which would speed things up. If you make small purchases, pay it off and increase the limits, that will really help your score. In the end, you'll have 2 credit cards with decent limits and an emergency fund from the deposits. 4. Enroll with PRBC- PRBC is America's Alternative Credit Bureau, providing a helpful service to the over 50 million people with limited or no credit history. If you pay your monthly bills on time, PRBC can help you build credit to qualify for a mortgage and better interest rates.On-time payments for the following bills are not reported to the traditional credit bureaus: Rent Cable Phone Daycare Insurance Electric Natural Gas Cell Phone The only time your payments for these bills are reported to the other credit bureaus is if they're missing or late.With PRBC, your on-time payments count. You build credit for paying your bills on time, even if you have no credit history. PRBC offers two simple ways to start building credit today. In closing, just a few more things to keep in mind. -Don't spend more than 30% of your combined available credit on all your cards. -Only apply for credit when necessary. -Pay on time Hope this helps... Thanks for reading and... Good luck!
First, you should order your credit report from all 3 bureaus. It will be free, or you could pay for one of the online sites to get your credit report. Once you have this, you will be able to identify which collection companies are being used. You can call them and set up a payment plan with them, just try to keep it to an affordable level. Then, just send in the money. Be sure that you get everything in writing. They are obligated by law to provide written statements to you. Good luck!!!
You should negotiate settlements with the collection agency's. The settle as low as 30 percent of what you owe sometimes, depending on how delinquent you are. If you only owe 3k then your credit could be easily repaired. We should talk some more about this in private email any wuestions to firstname.lastname@example.org
Your best bet is first to get a copy of your credit report. Every year you can get a free credit report from each of the top 3 reporting agencies...Experian is one of them, but I am not sure of the names of the other 2...you can use google to look them up. Go to their websites to get your free report. If Collection Agencies have been sending you bills, your best bet is to make payments on the bills as opposed to making one lump payment. Businesses that check your credit report are looking to some good payment history...so if you pay something monthly for say 6 months until it is paid off, it is going to look better than if you paid it all off at once. Good Luck!
Consumer credit counseling is the best way to go. you wont have to go through the trouble of getting the credit report or negotiating yourself. CCCs are not for profits and very reasonable. they are subsidized by credit providers (in case you were wondering how they get paid). they will set up payment plans with the companies according to your budget. look for one in your area using your fave search engine.
Pay it fast then it taked 36 months of good history to begin to repair your credit.
Get an extra job and use that moeny to pay off the collectors
Make a budget, make payments and just get it done, is my best advice for you.