Comments on: How do I begin to repair bad credit if my debts have already been with creditors for over a year, and I do not http://www.creditrepairprogram.net/personal-finance/365-how-do-i-begin-to-repair-bad-credit-if-my-debts-have-already-been-with-creditors-for-over-a-year-and-i-do-not Take Back Your Financial Life Wed, 23 May 2012 13:21:32 +0000 http://wordpress.org/?v=2.5.1 By: William M http://www.creditrepairprogram.net/personal-finance/365-how-do-i-begin-to-repair-bad-credit-if-my-debts-have-already-been-with-creditors-for-over-a-year-and-i-do-not#comment-680 William M Fri, 06 Feb 2009 22:02:37 +0000 http://www.creditrepairprogram.net/personal-finance/365-how-do-i-begin-to-repair-bad-credit-if-my-debts-have-already-been-with-creditors-for-over-a-year-and-i-do-not#comment-680 Credit Repair. A site I've used for info in the past ... Hope that helps. Credit Repair.

A site I’ve used for info in the past …

Hope that helps.

]]> By: Marictr http://www.creditrepairprogram.net/personal-finance/365-how-do-i-begin-to-repair-bad-credit-if-my-debts-have-already-been-with-creditors-for-over-a-year-and-i-do-not#comment-679 Marictr Wed, 04 Feb 2009 04:16:39 +0000 http://www.creditrepairprogram.net/personal-finance/365-how-do-i-begin-to-repair-bad-credit-if-my-debts-have-already-been-with-creditors-for-over-a-year-and-i-do-not#comment-679 Call a non profitable credit counselor. They might be able to help negotiate with the credit card companies. Or you might fill out a fafsa and pull out a subsidized student loan, where you are not responsible to pay back until 6 months after you drop below 6 units. Call a non profitable credit counselor. They might be able to help negotiate with the credit card companies. Or you might fill out a fafsa and pull out a subsidized student loan, where you are not responsible to pay back until 6 months after you drop below 6 units.

]]> By: roderick_young http://www.creditrepairprogram.net/personal-finance/365-how-do-i-begin-to-repair-bad-credit-if-my-debts-have-already-been-with-creditors-for-over-a-year-and-i-do-not#comment-678 roderick_young Sat, 31 Jan 2009 17:36:28 +0000 http://www.creditrepairprogram.net/personal-finance/365-how-do-i-begin-to-repair-bad-credit-if-my-debts-have-already-been-with-creditors-for-over-a-year-and-i-do-not#comment-678 I'd say focus on paying off your debts, and the credit will follow. You can worry about your credit after the debts are paid off. What you need to do is set a schedule so that you can reduce your debt. You need to make at least minimum payments on all loans, and exceed (hopefully far exceed) minimum payments on your highest rate credit card. After budgeting all of this out of your monthly income, you must live on what is left, however little that is. If you can't figure out the numbers on your own, ask someone older who's good with money - maybe your parents or an aunt or uncle - to help you figure it out. I’d say focus on paying off your debts, and the credit will follow. You can worry about your credit after the debts are paid off.

What you need to do is set a schedule so that you can reduce your debt. You need to make at least minimum payments on all loans, and exceed (hopefully far exceed) minimum payments on your highest rate credit card. After budgeting all of this out of your monthly income, you must live on what is left, however little that is. If you can’t figure out the numbers on your own, ask someone older who’s good with money - maybe your parents or an aunt or uncle - to help you figure it out.

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