Credit Fix Repairs

Im about 8,000 dollars in debt mainly with old cellphone accounts, and only one credit card. what would be the best way to fix my credit, by paying them on my own or going to a consolidated credit agency.

1- check out the Dave Ramsey website… There’s a program that may cost less than a credit agency (not sure if you pay) and help you get out of debt.

2- I’m using WamuCards.com and these are the tips they give to raise your score:

-Pay your bills on time for several months.
-Get current if you’re behind on some accounts, then keep paying on time.
-If your balance is more than 50% of your credit limit, pay more than the minimum due.
-It will take time. The more responsible you are in paying your credit card on time for a long period of time, the better your credit will get.
-make sure there are no errors on you credit report. If so, contact the credit reporting agencies.*

3- whatever you do, I’ve been told over and over… going to a credit agency to help you ‘fix’ your credit score is a scam. There are no shortcuts when it comes to raising your score. Time and responsibility are the only ones that will help you. Trust me-save your money and use it to pay off the card.

4- Finally, one thing that helped me personally… Don’t use your credit card anymore. Just use your money, if you have it. Cut it up if you won’t be able to resist. This is what helped me raise up my score.
No more card to worry about–pay on time–give it time.
If you’re worried about emergency money, use part of your earnings to save up to $1000 for an emergency fund.

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