Topic: What Is Credit Repair? (
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by Sally on 12/12
Do you have any advice on credit repair specialists at www.newdaycreditconsultants.com ?
I need credit repair and am still in college.
Im only 20 and have bad credit from credit cards.
My uncle said they are legitimate but the internet says that you need to watch out.
(Reply)
by jeff, replying to Sally on 14-Dec-07 12:52 AM
Have your checked your credit history to see how bad it really is?
you can get a free copy of your credit report and try to remove some of the stains yourself
(Reply)
by Sandra on 1/9
I just paid off all credit, now i need to know what is the best way to start building up my credit i've already applyed for credit card which i've been denied, now i need to know is a department stores credit card is the best way to go.
Thanks
Sandra
(Reply)
by franty Cleophat, replying to Sandra on 03-Feb-07 11:41 PM
I would not continue to apply for credit from a department store.
Most department store will pull your history and they will want a score of at least 600 and up in order to get it. At the same time by applying at different places, it will hurt you chances to get a card or loan because too many inquires will occur on your credit.
Here is my advise to you. If you have about $200-300 dollars that you are not using or on your checking account(debit Card).
Go to Bank of America and tell them that you want to build your credit and you want to open up a credit account that will help you restore your credit.
They will know what you are talking about.
Also apply at orchardbank.com or aspirecard.com. Their interest rates are high but your crdit will improve if you pay your bills on time. Remember although it is your money you still have to pay it back that is the only way they can help you build your credit.
ONE IMPORTANT NOTE: don ever max your card and charge no more than 35 to 40 percent of your credit limit and that is for all your credit cards.
If you need more advise you can reach me at myspace.com/bainetestate.
I hope that I answered some of your questions.
Franty Cleophat
(Reply)
by sandra, replying to franty Cleophat on 09-Feb-07 11:46 AM
Thank you very much for replying back i did applyed for a secure credit card that i was rejected at bank of america But will try the other 2.Thanks for all your help i'll keep you update.
Sandra
(Reply)
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