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Negotiate debt and pay it off or make payments? Need to boost score please help
I have over 20,000 in colletions debt, 2 judgments on my credit I am looking to buy a home in the next 6 months or so and need to boost my credit score pretty quickly so would it be better to negotiate a deal n pay payments or pay off all my bad debt n keep the accounts in good standing open? Will it be better to stipulate I will pay the debt if its dropped off my reports? Im so lost when it comes to credit please help.
Asked by
Twandalina
5 months ago
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nandog 5 months ago
You should definitely get some reliable credit counseling to help you make your decisions and straighten out the mess you're in. And I hate to say it, but you probably shouldn't even be thinking about buying a house until you have your financial house in order. First of all, what are the chances you'd even be approved with so many recent negatives on your record? Even if you were approved, if you feel lost in your current situation, you're really going to feel lost when you have to come up with down payments, closing costs, mortgage payments, homeowners insurance, property taxes, and the endless variety of repair costs, upkeep costs and other surprises a home will throw at you.
Clairissa 5 months ago