I am twenty years old and I’ve acquired a lot of debt over the past two years. I owe capital one $650.00. I have a car note that’s late most of the time and when I was 18 my uncle rented property in my name and was evicted two months b4 the lease was up… not to mention student loans. Can anyone give me any advice on where to start as far as repairing my credit. I would like any good budgeting tips, websites or books. I’ve seen my parents make this mistake and I just want to start repairing my credit now so when I am done with school I can move on with my life and make better decisions as far as credit goes.
ONE MORE QUESTION… are those secured credit cards worth the price tag???
* I work a part time job getting paid 12.00/hour. I work about 52 hours a week
Well start by not getting any more credit cards at all!. Secondly, you should not only make your payments on time, but if possible, pay them 2 weeks before the due date in order to avoid finance charges. You don’t say anything about having a job. Do you own your car or are you still making late payments? Do you own anything outright? If so, check into a consolidation loan. $650 is nothing to owe, but quit using the card. Cut it up and write a letter to the company closing the account (yes you will still pay the $650 but you won’t accrue any further debt). Above all else DO NOT go to a payday loan or car title loan place, they are rip offs. I also question why / how your uncle rented property in your name, that constitutes fraud.
How long does it take to repair credit on your own, as opposed to having someone like careone help?
you can see a change within a year if you follow a budget and pay your bills on time. you can negotiate interest rates with credit cards and do everything a Credit Counseling service could do. Minus the cost. Just invest some time. Most Credit Counseling Services claim to be non-profit but charge money every month. Also, it looks horrible on your credit report to have a service take care of your bills. do it yourself.
Credit Repair Uncensored Part 4 – Fix and Repair Your Own Credit
Can anyone recommend a good cheap lawyer in Phoenix Az, for Bankruptcy?
I know I qualify for Chapter 7, I have been to a couple of Bankruptcy consultaions, I just need to get the lowest cost for an attorney, including filling fees.
Check the site thoroughly. It’s an excellent site with some wonderful options for you. It will definitely help you. Have a look.
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