The credit Repair Thread
- Thread starter LeVraiPapi
- Start date
First, we need to know why your score is low...
this is normal found when to order hard copies of all four reports, never do it on line (you need records/archives)
Transunion (1st)
Experian
Equifax
Lexis-Nexis
Located all the bad info and challenge them!
http://creditboards.com/
Late payments, accounts being closed going into collections, numerous accounts open, and parents messing up credit early on.
1. No more late payments.
2. Dispute those collections through the 3 credit agencies
3. This isn't necessarily a bad thing. Are they credit cards that are maxed or close to it?
4. Dispute your parents stuff because I think there are certain laws that would protect minors, could be wrong tho.
If they are close to being max than that might be a huge part in why your score is low. Getting that utilization down will instantly boost your score.None of the credit cards are maxed, just close to it.
Im not gonna have a place to stay next month and it's been hard looking for a home cause of my bad credit.
Another quick way is to get the utilization down and then ask for a quick increase on the card. Also "snowballing" and asking for a interest rate reduction helps.
Check out Cory P Smiths "Conspiracy of credit"
we just have different philosophies on the subject of debt breh... Its cool ima let yall
Why Poor People Believe They Need Credit
Had two amex cards drop off my report and my score went down two points. 
HookersandIceCream
#TeamOrange
Well yea you are losing creditHad two amex cards drop off my report and my score went down two points.
It was two closed cards tho.
Rich Spirit
#LeveledUp
What are some good balance transfer credit cards?
Read the fine print and tell us. Just remember never go over 20% utilization on the new card and keep your total credit utilization under 30%.
A better bet is transfer that shyt to a business card.