My credit score is a 430

[Formerly Black Trash]

as per credit karma last night
I did it on experian a month ago and it said 530

But any way I have 3 student loans
One I just started paying this month and the other two are in deferment

All 3 defaulted tho so I have closed accounts on my credit history

I have 3 small collections, one is going to be gone within a year

But the other two I just got recently

And also a state tax lien that I'm paying off for income tax

None of the shyt costs that much
But it won't disappear until 7 years
And 10 for the tax lien

And I heard tax liens dont go away until 10 years
Is there any faster way to fix my credit?

 

[Blackout]

Secured Credit Card

 

[Formerly Black Trash]

Secured Credit Card

I got denied

I'll try applying for the ones credit karma recommended

But I'm going to wait for a few months till after I've made some more student loan payments

I want to get a 680
It sucks cause I don't owe that much but even if I pay collections off they'll still be on the report so may as well just let it ride

 

[hashmander]

for your student loans are they private or govt and if govt are you enrolled in PAYE?

 

[Formerly Black Trash]

for your student loans are they private or govt and if govt are you enrolled in PAYE?

Student loans are federal

But the payment they got me doing is so small it's good
I'm doing $40 a month for one

I gotta talk to Navient once my deferment clears up

 

[Serious]

@Domingo Halliburton get in here and help this man....

 

[Mook]

Pay the lien and the ones in collection, call to settle, and before you do that make them send you a certified mail that when you pay they'll take it off.

 

[Formerly Black Trash]

Sprint said no! I'm not eligible for pay for deletion. I'm going to check the other one

 

[Swaggatron]

 

[Domingo Halliburton]

@Domingo Halliburton get in here and help this man....

Well he cant get credit cards. I would recommend looking at government programs for your student loans. You can consolidate them into one payment and get on an income driven repayment plan.

 

[Formerly Black Trash]

My Petsmart account said they will delete if i pay.

Only other bad credit is my closed off accounts when my student loans went into default

 

[无名的]

How much do you owe for everything?

 

[Formerly Black Trash]

How much do you owe for everything?

$10000 in student loans

Collections are around $500 or lower eachsobnot much

 

[The_Sheff]

Fix your credit? Bruh sounds like you need to fix your life first.

 

[Formerly Black Trash]

Fix your credit? Bruh sounds like you need to fix your life first.

Explain sir. Sounds like you trying to clown. I have bad credit but a low amount of debt that I'm attempting to pay off.

How does that equate to fix your life Ms. Iyanla?