I need help figuring out how to fix my credit.

Fighting4Healthy

Just an update: I am working really hard on my credit report, I have an account at creditkarma.com and they give me my score, so i can keep track.

what about those places like lexington law where they help get suff off your report, some people say they are scams and others say they are not. any one know for real?

Queen_Christine

Just an update: I am working really hard on my credit report, I have an account at creditkarma.com and they give me my score, so i can keep track.

what about those places like lexington law where they help get suff off your report, some people say they are scams and others say they are not. any one know for real?

If the information is inaccurate, then they might be able to help, but you can probably fix that yourself. If the information is correct then they probably can't get it removed.

KimmieBrie

To me, if they cannot prove I owe it, then why do they deserve to be paid?

Because you owe it and it's the right, responsible, adult, moral thing to do.

This sounds like something a petulant child would say. I'm tired of people and businesses shirking their responsibilities including those companies that got bailed out. No one wants to be responsible anymore. Everyone wants the easy way out.

pdchemist15

go to www.creditkarma.com. It's a great site and it's free. It has TONS of useful information. Good luck!

Agree with this!!! This is Great Advice!!!

c0mmonN3rd

Dont use student loans during a recession.
Kills your credit as an up and coming adult.
Oops, i done goofed that one.

Elizabeth_C34

You can't dispute it just because you paid it off. It's still a legit black mark on your report and you'll just have to wait for it to fall off.

As for what order to pay things off in, you can start with the small ones if they are really small. However, I would pay the ones with the largest interest rate off first. Choose one, pay as much as you can and the minimums on the rest. Once that is paid off, choose the next one, add what you had been paying on the first one to the minimum you had been paying on the second and pay the minimums on the rest. And so on. It'll take some time, but you'll get there.

Agree with this.

Also, do not dispute charges you know are legit. That's shady and illegal.

Pay off the high interest stuff first. Do not miss a single payment. Pay as much as you possibly can each month. Cut out entertainment costs: going out to eat, going out for movies, etc. and do them at home. Take that money and put it towards paying off what you owe already. Stop buying anything unnecessary. DO NOT use one card to payoff another. Just pay cash unless you have a deal on 0% interest on balance transfers or something like that.

Make a habit now of not using your credit cards for anything anymore other than a legitimate emergency (car broke down, hospital, etc.). Just use your debit, cash, or checks for everything.