I would recommend 2 things: 1) a very low cost (possibly free) credit repair program to try to have the negative items removed. 2) I would add a tradeline program to boost your score quickly (60 days or quite possibly less). A friend in California used this and got a 120 point bump from 560 to 680. My friend in California went through and called their toll free# or filled out the free evaluation form to get the ball rolling. Good luck.

OK…I just cleaned up my boyfriends credit score. its been 2 years but its slowly going up.

A few ideas and tips:
*Pay off all your delinquent debts. There are two ways to do this.
—–1. Call the company and set up a payment plan.
—–2. Call the company and see if they will offer you a “pay off amount”.

The 1st option is better than the 2nd. And will look better on your credit.

*Lower our debt to income ratio to below 30%. Not counting a mortgage (if you have one).

*Start making ALL your payments on time. Try automatic bill paying.

*It takes 3 years min. to establish good credit history…and those years don’t “start” until any bad debt is paid. So once you pay off any creditors, I suggest getting a small loan. (Usually ones through a furniture store is a good place to start). And then make your monthly payments, and this will start building your credit up…

If making payments to different places becomes to expensive (we have to live within our budget), then only work on one debt a time. Or contact a consolidation place to get a lower payment.

Good luck!

1. First off pay off everything in time, no late payments.
2. Don’t use more than 30% of your credit limit.
3. If possible get the utilities and post paid phone transferred to your name, as paying the bills on these will add to your history too.
4. Do not apply for many credit cards or other loans.
5. Get a copy of your credit report and see what negatives are pulling it down. Stay away from those in the future.

All the best dude.

Contact a credit repair Company . They can and have removed student loans and 3 charged off credit cards for me that where late.
I tried 3 companies two big ones with “Law” in their name.
They wanted big bucks down and set me up on a monthly payment.
What a joke .
My sister told me about this company in the southeast U.S
They charged me like under 500 and all was done in 60 days
I wont advertise for them , but it started with an Sov*****ncredit.com you have to get the rest

you don’t say how long ago the loans and bills have been on your history, every state has laws as to how long the companies have to collect, check to see what the laws are in your state if the loans and bills are outdated you can contact the credit bureaus and request that they delete them from your credit report. you may have to do this more than once.

pay off your debts
pay all your bills before due date
do not add more debt/credit

sorry charlie…good credit takes time to establish – no bum rush job