Brehs With Bad Credit

[Mike809]

im trying to fix my credit as well , last time i checked ...it was less than 600. Crazy thing is that i dont even have much debt. Less than 5k.
but my parents/school never taught me about credit so i fukked it up in my early 20s. In the process of trying to pay all my debt and then
do what the breh aboves said , just use a certain amount of my credit cards and pay double the minimum , see if that works.

 

[Mike809]

Is there any way to figure out which collections agencies you owe money to?

 

[posterchild336]

Is there any way to figure out which collections agencies you owe money to?

Don't pay to collections agencies don't even answer the phone

 

[mannyrs13]

I don’t think you can get a $10K card unless you have the income to back it up.

Income don't mean shyt. I have 2 credit cards at a 10k limit plus all my credit card limits combined are definitely more than my yearly salary. Just so happens that some people become suckers and get into ridiculous debt. I know the feeling.

These days I pay for everything with credit. I see no point in using my debit card. If you gonna pay the credit card off, might as well use it then and build your credit. Use it for some time and build rapport then ask for a credit limit increase and maintain your same spending habits. Takes time but anyone can do it with discipline and some luck.

Being added on another persons card helps. I done added three of my friends on credit cards. Whatever their dumbasses does outside of that is on them.

 

[mannyrs13]

im trying to fix my credit as well , last time i checked ...it was less than 600. Crazy thing is that i dont even have much debt. Less than 5k.
but my parents/school never taught me about credit so i fukked it up in my early 20s. In the process of trying to pay all my debt and then
do what the breh aboves said , just use a certain amount of my credit cards and pay double the minimum , see if that works.

Use the debt snowball plan. Worked for me a few years back. Pay off the minimum and take the lowest one and pay more to get that paid off and then use the money towards the next one. You'll see the debts paid off in no time and you'll get some wins along the way. Then take the card you paid off each time and store them in for closet or somewhere safe. I have like six credit cards and I only keep one in my wallet. No need to have so many at your disposal.

 

[hashmander]

You just have to know someone willing to let use their credit.

that's pretty much the #1 go to for the credit repair services. they ask their prospective clients if they know someone with great credit who is willing to put them on as an authorized user.

 

[Geek Nasty]

First, stop digging. Create a budget and live within it. Pay all your bills on time

Then get a book on credit repair and put in work. Write credit bureaus to remove old, obsolete data

It will take max 7 years probably 4-5 to go from terrible to good credit. I think my score was like 315 at one time.

 

[dontreadthis]

Income don't mean shyt. I have 2 credit cards at a 10k limit plus....

I had a 7k limit from PayPal/synchrony bank in my junior year of college with no income at all

 

[mannyrs13]

I had a 7k limit from PayPal/synchrony bank in my junior year of college with no income at all

That bank tends to give cards to anybody. I know I had one of theirs in the past. Don't remember if it was thru paypal. Might've been thru newegg or dell. They closed it due to lack of use.