Has anybody on here successfully rose from the abyss and fixed their credit?

[ItWasWritten]

I'm 28 and I have to pay cash for almost everything, which isn't bad but boy would I like to take 24 months to pay something off

I had to pay triple the security deposit to get into my place...

I can afford a brand new bmw monthly...but the salesmen give me the once they see my credit.

Basically I put a car in my name when I was young for my moms cause her credit sucks...a good son right? But she fukked my sh1t up and my credit is in the 5's....

the car was brand new so it was like 18,000 she didnt pay off...


Is there a number or some secret agency that can erase this breh's??

 

[NoMoreWhiteWoman2020]

my credit has been fukked since the 80's. aint no com in back from them losses

 

[Ciggavelli]

It takes 7 full years of 0 fukk ups I think before they put you back to neutral.

I know some people that declared bankruptcy. I think it was 7 years before things were normal. But, they did get back to normal. It just takes time

 

[Silkk]

Medical bills probably got mine looking

Haven't checked it yet

 

[ItWasWritten]

my credit has been fukked since the 80's. aint no com in back from them losses

What? How you live cash everything???

It takes 7 full years of 0 fukk ups I think before they put you back to neutral.

so wait a minute...are you telling me after 7 years they do a reset on the whole thing????

 

[Ciggavelli]

What? How you live cash everything???



so wait a minute...are you telling me after 7 years they do a reset on the whole thing????

I think it's with bankruptcy. I assume the same for everything else, but I can't be 100% sure.

Talk to a financial advisor. They'll give you the hookup. Some won't even charge and will just take a cut of the money they make for you.

 

[Ciggavelli]

What? How you live cash everything???



so wait a minute...are you telling me after 7 years they do a reset on the whole thing????

Here you go

How Long Before That Debt Falls Off My Credit Report? – Consumerist

 

[Dafunkdoc_Unlimited]

1. Get yourself a credit report. This can be done either on-line or through a financial institution like a bank or credit union.

2. Your credit report will list any and all outstanding debts and who those debts are payable to.

3. Contact each and every one of them and make arrangements to pay the debts off.

4. If the debt has gone into collection, you may be able to make a deal with them to pay a percentage of the debt and they will write it off.

I went from a credit score of about 530 to 680 in 7 years without declaring bankruptcy and am now totally debt-free. Just takes discipline.​

 

[Myrical Lyfe]

Mine was in the low 400s about 2 years ago. It's back to 580s now. I know it's not even good yet, but it's getting there.

 

[bmxmore]

1. Get yourself a credit report. This can be done either on-line or through a financial institution like a bank or credit union.

2. Your credit report will list any and all outstanding debts and who those debts are payable to.

3. Contact each and every one of them and make arrangements to pay the debts off.

4. If the debt has gone into collection, you may be able to make a deal with them to pay a percentage of the debt and they will write it off.

I went from a credit score of about 530 to 680 in 7 years without declaring bankruptcy and am now totally debt-free. Just takes discipline.​

This right here. You can talk to these collection agencies and negotiate. Something is better than nothing. My credit was in the 500's in 2007 or 2008 and now its at around 750. Also, my credit score went up after getting a real job.

Im pretty sure with medical debts if you just send them like $1/ month they cant mess with your credit.

 

[ItWasWritten]

This right here. You can talk to these collection agencies and negotiate. Something is better than nothing. My credit was in the 500's in 2007 or 2008 and now its at around 750. Also, my credit score went up after getting a real job.

Im pretty sure with medical debts if you just send them like $1/ month they cant mess with your credit.

What does having a "real" job have to do with credit......

this is kind of depressing, it sounds like it takes 6 or 7 years to get something descent score rise, i thought maybe by the end of the year I would be straight.

 

[NoMoreWhiteWoman2020]

What? How you live cash everything???



so wait a minute...are you telling me after 7 years they do a reset on the whole thing????

i don't need credit. anything i need i can buy it with cash, or through credit unions. never saw the allure of credit cards.

 

[VanVanCity]

Get a secured credit card, spend money on it and pay it off monthly.

 

[MAKAVELI25]

my credit has been fukked since the 80's. aint no com in back from them losses

#OldnikkaProblems

 

[Suicide King]

1. Get yourself a credit report. This can be done either on-line or through a financial institution like a bank or credit union.

2. Your credit report will list any and all outstanding debts and who those debts are payable to.

3. Contact each and every one of them and make arrangements to pay the debts off.

4. If the debt has gone into collection, you may be able to make a deal with them to pay a percentage of the debt and they will write it off.

I went from a credit score of about 530 to 680 in 7 years without declaring bankruptcy and am now totally debt-free. Just takes discipline.​

Best way. Also, make sure that the debt is considered "satsified/paid in full."

I paid off Dell, $900 or $1080 to be considered paid in full. If the debt is not considered paid in full, it would be considered a negative on your report.