I had few credit cards since 2000. I did not make any payment on thouse cards but my credit report shows charge offs. Is there anyway i can fix it or what can i do ?? please help me.

If these cards were opened in 2000 and no payments were made, then they would have been charged off 6 months after that date. Most negative info can only stay on your credit report for 7 years. You should dispute those charge offs as being outdated with the credit reporting agencies.

My credit score is about 657 I want to raise to 700 and higher, any way I can get my credit report fix and how do i do that?

You need to make sure that you pay all of your bills on time every month. Next, if you have credit cards, you need to make sure that the most that you are using of your available credit is less than 20%. Check your credit report for any inaccuracies and get them fixed.

I didn’t recieve the bill in the mail due to moving so I was late. It did go on my credit report and when I seen it I paid it off immediately. Is there any way to get this off my credit report? I tried to get a vehicle and I couldn’t get it. The loan people told me because I was late on this bill it made my score go down 50 or 60 points.

Thanks!

One late payment would not cause this problem, you need to discover just what did !

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – buildcredit.ifastnet.com

my husband has 3 negative marks on his credit report, we tried to get in touch with the creditors and after what seemed like hours on hold, we finally got in touch, exchanged information and they said they would send over the bill, we’re still waiting and nothing has arrived so far. How do we fix our credit if the creditors won’t work with us? Is there a central agency or something where we can just pay off the debts and remove the bad marks off the report?

1. Never talk to a collection agency and/or creditor by phone. Only
in writing. Send them a validation letter if its a collection agency.
If its the original creditor, then maybe a pay for delete letter.
2. How old are these debts? If they are old, most likely the original
creditor has written these off or sold them to a collection agency.
3. Paying these old debts will actually hurt your credit, since it resets
the date of last activity.
4. You can do a simple dispute online as "No knowledge of account".
You will find that they will delete many times because its so old
the original creditor wont waste the time verifying it.
5. Fixing your credit is easy but time consuming. Visit the website
below. Its provides all the information you need to know to
repair your credit.

i need to send a letter to equifax and transunion, stating that one collection i have is not mine but my moms.

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – freecreditreport.hotusa.org

I dont owe no companys any money how do i get my beacon score up

I think don’t apply for credit much and pay all your bills on time! GOOD LUCK! bye now

I am getting sick of my bad credit ruining everything I try to do. At this point I am finally able to pay off my debt in order to fix this problem. I have heard stories of people paying off their debt but the company leaving them as unpaid on their credit report. I DONT want this to happen. How do I go about paying everything off while making sure it is taken off my credit report for good? How long does it take your score to change after you paid everything off?

Paying off old debt will not improve your score. The damage is already done and the derogatory item will remain on your credit report for the balance of the 7 year reporting period, whether paid or not.

However, creditors do look at your whole report, not just your score. Paid old debt looks better than unpaid.

With this in mind you should try to settle for as little as you can. If the debt is over 3 years old, offer 25%; 2 or 3 years old, offer 50%; less than 2, offer 75%. Lump sum gets the best deals. Payment plans must be short term. Get any settlement agreement in writing and keep it along with your payment proof, forever. Do not give collectors direct access to your bank account.

If any of the derogatory items are single entry items like medical and utility bills, negotiate a pay for delete — you pay $x and they remove the item. This will help your score. But it doesn’t work for regularly reported items like credit cards and installment loans. The collection agency can’t remove what the original creditor reported.

After you get every thing cleared up, you will need at least 24 months of consistent, on time payment history to see improvement in your score.

I had few credit card when i was 17 in 2001.I did not make any payment on it. Now the accounts are charge offs and dispute or something. Is there any way i can fix my credit because its holding my job. I really really need help????

they should be falling off really soon as long as you dont make any payments on it now it will hurt you again…7year fall off. the older those accts are the weaker they are in FICO calculations. dispute is option but then they will probably find you and try to collect… check dates of first defaulting or charge off and see when it can fall off.

I had an apt. in Laredo and when we moved my so-called friend said she would take over payments since we just signed a year lease but when we moved i never heard from her, and now it is on my credit. luckily we got and apt. before it was on my credit but i dont plan on living here for the rest of my life. Is there anything i can do to fix this, or if i pay the 2000 dollars i owe will that even do anything tell help my credit out. any kind of input would be greatly appreciated.

If you do decide to pay the amount owed try to negotiate with the creditor to have the item removed from you account. This would be better than having the item simply shown as paid. GOOD LUCK