Does anyone know a REALLY good credit repair or how to start new credit?

Deal Score0
6 Comments
  1. Reply
    The Professor
    November 25, 2011 at 12:27 pm

    get a really crappy credit card like:

    Capital One Bank
    Applied Card Bank

    buy crap, and make above minimum payments

  2. Reply
    BMW BFD
    November 25, 2011 at 12:28 pm

    You can try to do credit repair yourself. Get a copy of your report, and dispute everything. They have 30 days to respond, and if they don’t, it is removed.
    You can try getting new credit and doing it right this time. Household bank/orchard bank is a good card to start with, even department store cards or gas card.
    Also, different types of credit is needed to re-establish your credit. Get a loan – car, home, personal…
    Hope this helps!

  3. Reply
    Ted
    November 25, 2011 at 12:41 pm

    Start today and keep all your bills up to date. You could hire a credit repair company, who wouldn’t do anything for you except take a couple of thousand dollars that could have gone to pay your bills. Don’t fall for scams that pretend to tell you how to get a new social security number or some other number to use instead of your SSN. They’re illegal. You could send in letters disputing all the derogatory information even though it’s accurate. That might get you a few deletions if things fall through the cracks, but it could get you tagged as filing frivolous disputes. It could also make it impossible to compute a credit score due to “too many lines in dispute”. Try and get a loan with no credit score.

  4. Reply
    Ben N
    November 25, 2011 at 1:06 pm

    try this first 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.
    for credit repair
    http://www.loansandinsurances.com/

  5. Reply
    Dave D
    November 25, 2011 at 1:31 pm

    Try this one – http://creditreport.undonet.com
    They disputed and cleaned off lots of bad items from my credit report, so I get +65 points to my score.

  6. Reply
    Credic J
    November 25, 2011 at 2:14 pm

    You can’t start new credit… it’s attached to your like your arms and legs. The only thing you could do is steal someones identity haha.

    But seriously, the best way is to get an easy-to-get credit card and pay it off in full every month. Sure it takes a while but its one of the few ways to get it done quickly.

    http://www.buildcreditblog.com/credit-cards/how-to-build-credit-when-you-have-none

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