E-Answer.Net

Yes it's doable..but needs keen attention and patience.



1. Order your credit reports from the 3 bureaus

www.equifax.com

www.experian.com

www.transunion.com

If you're ordering for the first time, get your score (for a fee) from Equifax as their scoring matters most.



2. Make copies of your report and put the originals in a binder. On the photocopied reports use a highlighter and check for any incorrect, outdate, false, etc...info



3. Download a dispute letter(s) from the credit bureaus website and list anything that is wrong. Mail them to their office(s). They have 30 days to reply.



4. If they will not remove something that is not yours or too old (> 7 years) as them for a debt validation. This may take an additional 30 days.



5. Once the 'baddies' come off, take care not to let any of your other accounts fall into that predicament.



6. If you haven't already make sure your existing accounts are current and paid on time ALWAYS.



7. Get a secured credit card with www.capitalone.com or www.mastercard.com for like $500-1000 or more if you can and use it sparingly. Charge like $50 on the card each month and pay it in FULL and on TIME. Make sure you do this for a minimum of 6 months so that you estabish a positive repayment history.



8. Problem with just letting them 'fall off' is that they may never. You may get sued before that...that's where you suddenly get a summons to appear in court and a judgment for collection against you.

For the 2 collection items...pay them but get a 'pay for delete' from the collectin agency in WRITING...they'll delete it after you pay and it will help your credit score

There are plenty of legitimate ways to improve a bad credit score but probably none to improve them very quickly as you want. You have the basics right by being fiscally responsible. The only think I can think of that can have a short term positive impact is to take a loan and keep up the payment schedule. That shows responsibility. And don't open new credit card accounts, they will make your score worse. Retain your longest standing credit card accounts, they are important for your score.

The best way I found to restore credit is to borrow funds just to hold them on deposit, make some interest payments, then give back the deposit to pay off the loan. If you agree to just hold the funds on deposit, http://creditloader.com will let you borrow the funds with NO CREDIT CHECK. After three months I was on a few bureaus

Try this, it can improve your credit in 90 days!

http://www.productsupplycenter.com/web32...