Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
720scorehelp

0 Contributions
0 People Helped
500 CREDIT SCORE NEED TO RAISE IT QUCIKLY!
Ok so im 19 Y.O first started looking at my credit when i was 17. By the time i was 18 i had a 620 credit score due to financing a car. Then when i turned 19 i got a new car lease, a VS credit card and a Capitol one credit card. My score unfortunately began to drop. My car I financed got paid off now that its off my credit as closed account my score dropped -100 points and now is 500. I got into a car accident so of course now i can't get a personal loan due to this score. I need ways to re-build my credit fast so i can get a new car. All my payments are made timely, none ever paid late. Have 2 things in collections (old phone bills) which I'm trying to dispute. Need some advice, really stressed.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
67 Contributions
13 People Helped

See if you can pay the original phone company and have them delete it.  If not write the letter to the collection agency for "pay for delete" IN WRITING.  I can't stress that enough.  No phone calls.  All letters.  I would dispute them first like you did, if it's valid and there are no errors in your report I would go for the pay for delete method.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.