My credit score is a 430

[plushcarpet]

Who has debt at petsmart?

 

[Formerly Black Trash]

Who has debt at petsmart?

I cancelled a bank account and never updated info. I don't (or didn't be checking up on shyt, I do now)

 

[plushcarpet]

I cancelled a bank account and never updated info. I don't (or didn't be checking up on shyt, I do now)

you'll be alright as long as you're still young

my advice is try to get any credit card you can, pay off your monthly bills with it every month, and then just pay the credit card off fully every month with the cash you were going to use on bills anyway

that's one of the best ways to work your way back up

 

[The_Sheff]

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?

You said you have 2 recent collections. That combined with your continuous remarks of how low the debts are, statement that you wont be able to pay ONE of them back fully until about a year from now, and a 100 point drop in credit score in a month leads me to believe your money is still fukked up in a major way. If your cash flow is still poor then as you are paying off the debts already on your record there is a high chance you will accumulate more.

You need to work on putting together a plan to remove yourself from the situation that has your credit in a freefall before you start thinking about getting new credit cards to build it back up.

 

[Bubba T]

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?

You need to get your loans out of default first and foremost. Anything you do at this point will not have as big as an impact as removing the default status of your loans.

The tax lien you are working on, so continue making payments.

If the collections are small, pay them off. If you can pay to delete, that works great, but otherwise get them paid and make sure it's reflected in your report.

These have to be cleaned up first before you apply for more credit. Getting approved for credit is very difficult if you have outstanding delinquent debt.

Lastly, learn from your mistakes. Whether you had a financial crisis and couldn't pay your bills or you were just irresponsible, learn from this and plan for this never happening again.

 

[hayesc0]

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?

If you want to get credit and have it reported lendup is a good way to go you have to payback your loans on time a few times before you have enough points to get it reported but it has helped me alot. You can also get a secured credit card minimum $200 with opensky links to websites are below.
Payday Loan Alternative - Online Loans & Credit Cards 24/7 - LendUp
OpenSky Secured Credit Card Home Page

 

[Formerly Black Trash]

You said you have 2 recent collections. That combined with your continuous remarks of how low the debts are, statement that you wont be able to pay ONE of them back fully until about a year from now, and a 100 point drop in credit score in a month leads me to believe your money is still fukked up in a major way. If your cash flow is still poor then as you are paying off the debts already on your record there is a high chance you will accumulate more.

You need to work on putting together a plan to remove yourself from the situation that has your credit in a freefall before you start thinking about getting new credit cards to build it back up.

Wen I said one is going away within a year, it's been about 7 years since it went into collections.

I could pay it now but it doesn't make sense to.

 

[Formerly Black Trash]

You need to get your loans out of default first and foremost. Anything you do at this point will not have as big as an impact as removing the default status of your loans.

The tax lien you are working on, so continue making payments.

If the collections are small, pay them off. If you can pay to delete, that works great, but otherwise get them paid and make sure it's reflected in your report.

These have to be cleaned up first before you apply for more credit. Getting approved for credit is very difficult if you have outstanding delinquent debt.

Lastly, learn from your mistakes. Whether you had a financial crisis and couldn't pay your bills or you were just irresponsible, learn from this and plan for this never happening again.

Loans are already out of default, I'm just worried about the closed accounts that it defaulted from that are closed that are stuck on my report.