Can someone tell me that knows or has experience with fixing a credit report with a lot of old negative account reports, like 7-10 years old, and the quickest way to raise your score from a 515 to 650 or higher? I am in college now (33 years old) finally, and trying to fix my life. And this subject is an important fix to me as well as my education. Thank You
I ruined my credit 5 years ago coming out of high school with credit card bills and store credit cards. I was somewhat paying the minimum on some of them and was defaulted on others. This year I realized that I will never be able to get my own house until i get that fixed. I paid them all off one by one with large sums (settlement). How long before my credit scores goes up? Am I pretty much doomed for the next 20 years?
I find it intresting that if our idenity is “stolen” we have to pay thousands of dollars to fix it. Then we have to wait for 3 companys, that had noone to enforce them, come up with a number that defines our lives. Now, WE have to pay and are responsible for the accuracy of the credit score number we have no control over? Does anyone else find this disturbing?
who pays the data reporting companies?



































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