Comments on: Best way to repair bad credit?

By: Benjamin N

Benjamin N — Fri, 02 Jan 2009 03:10:05 +0000

tax leins and discharged bankruptcy can not be wiped out by a “bad credit” repair company. What they do is scam you. They do the same thing that you could do if you didn’t have the tax leins and discharged bankruptcy that takes a limited amount of time to come off automatically. 10 years for sure on the bankruptcy. tax leins may be longer. You do not have to pay back the discharged bankruptcy to get your credit back. It will happen in 10 years. But you can grow your credit back slowly as the 10 years go away. You do that by paying your bills on time and making sure you don’t apply for to many loans in a short period of time. Also, try not to have more out going than incoming money’s as far as the credit agencies can see. Make sure you pay your utilities on time also because they can also lower your score. I have no idea about the tax lein as far as paying them back to remove it.. Hopefully that isn’t one of those that is on there forever… GOOD LUCK…

You can find more info here:

Take care.

By: Renaissance Man

Renaissance Man — Thu, 01 Jan 2009 00:15:51 +0000

Credit repair outfits are a waste of everything and can’t do what they claim. Get with your creditors and lienholders and play “let’s make a deal.” Then start paying them off. It’s no big mysterious process.

Next, when has debt or credit of any kind ever been a blessing to you?

Tell me what you think of this. Scroll down and click “Listen to Dave”.
This one audio clip of his CHANGED MY LIFE when I heard it.

By: shhbanvar

shhbanvar — Wed, 31 Dec 2008 19:17:44 +0000

To Repair credit score
Your credit score is based mostly on:

1. Length of credit history
2. Payment history.
3. Ratio of credit used to available credit.
4. Number of credit inquiries you authorized.

If you cancel your card, you’ll be hurting your credit ratio. (#3).

You want to deliberately keep your oldest credit card open, even if you never use it.

You want to always pay the minimums of each loan on time every month.

You want to keep your available credit high, but actually only have balances equalinig 25% or less.

You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.

You do these things and your credit score will quickly soar into the 700s.

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By: credit king

credit king — Sun, 28 Dec 2008 10:39:55 +0000

You are about to hear 10,000 people tell you to do it yourself