BEST WAY TO CLEAN UP BAD CREDIT??
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theres different strategies to credit
http://www.amazon.com/7-Steps-720-Credit-Score/dp/0976865688/ref=sr_1_1/105-2819321-0814828?ie=UTF8&s=books&qid=1193472743&sr=8-1
people are posting really good shit about this book, i have the audio version..but i havent taken the time to read,
but im definitley tomorrow
but shit, idk, maybe maddDog got more experience
http://www.amazon.com/7-Steps-720-Credit-Score/dp/0976865688/ref=sr_1_1/105-2819321-0814828?ie=UTF8&s=books&qid=1193472743&sr=8-1
people are posting really good shit about this book, i have the audio version..but i havent taken the time to read,
but im definitley tomorrow
but shit, idk, maybe maddDog got more experience
yup, pay your bills on time and don't buy shit you can't afford...also gettin declined for credit cards hurts your credit...getting credit cards and then closing them hurts your credit...my suggestion is set up a payment plan that you can afford with the company you owe the money to and pay it off as soon as you can, be on a budget for a while it'll be better in the long run and again don't spend money you don't have or won't have by the end of the month to pay the bills...your credit score is becoming more and more important...why pay hella interest on a car or watever you wanna buy later on coz you didn't wanna make your 50 dollar payment now....
but usually that shit doesn't work...
i got a thing on my credit that's fucking me up big time..and it's been on there for the past 7 years and i refuse to pay it until they reimburse me for a printer i never got...
but like someone said..in order to have good credit..you have to pay your bills on time and never miss a bill...
if you have debts..pay them off and your credit will shoot up to the top again..
if you have no credit at all ...my best advice is to start with a small credit card...
yeah, 500 dollar limits are good for people starting out with atleast 40 hours of work.
i think the best thing to do when you have a credit card is look at all your bills monthly (including alcohol and weed) and subtract that from what you make monthly.
the amount you have left over after that should be the amount you will allow your credit card to be up to.
i know no matter if i max my card out, i can pay half of it off in 2 weeks if need be. i always pay more than the minimum, at times i pay 5 times the minimum
i think the best thing to do when you have a credit card is look at all your bills monthly (including alcohol and weed) and subtract that from what you make monthly.
the amount you have left over after that should be the amount you will allow your credit card to be up to.
i know no matter if i max my card out, i can pay half of it off in 2 weeks if need be. i always pay more than the minimum, at times i pay 5 times the minimum
My best advise is to not fuck with any kind of consumer credit counciling services, keep lines of credit open but dont have too many open depending on how much money you make and pay your bills on time every time. If you are in collections dont avoid those people and let them try to work something out with you. If you are in collections dont flake out on any arrangements you set up with them, what people dont understand is when you are in collections they arent just trying to get you to pay they are also building up ammo against you if you refuse to take care of it.
Honsetly it doesnt take alot to bring your score back to a respectable status if you put the work in. I work in collections and i see people who have alot of bad debts with alright bank scores because their payment history shows they are trying to handle their business instead of running from it or making excuses
And i would pay comcast whatever you owe them because your credit score loses alot of points because it is a piddily debt that you can take care of if you wanted to. Sometimes shit like that is even worse than oweing thousands because it can be easily handled. Just pay it and your shit will go up drastically if that is your only black mark.
Honsetly it doesnt take alot to bring your score back to a respectable status if you put the work in. I work in collections and i see people who have alot of bad debts with alright bank scores because their payment history shows they are trying to handle their business instead of running from it or making excuses
And i would pay comcast whatever you owe them because your credit score loses alot of points because it is a piddily debt that you can take care of if you wanted to. Sometimes shit like that is even worse than oweing thousands because it can be easily handled. Just pay it and your shit will go up drastically if that is your only black mark.
