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
Abek

0 Contributions
0 People Helped
520 Credit Score
2 Accounts in Collection

-$195 Loan
-$109 Loan

4 Charge Offs
-$435 Credit Card
-$500 Credit Card
-$166 Credit Card

2 Student Loans
-$4,600 Current (Deffered)
-$3,150 Current (Deffered)

No Active Credit Cards Open.

11 Hard Inquires Set to Come off by the end of 2017.

I want to improve my credit, where do I start off? What's the best plan for me to tackle this situation to improve my score by the end of the year, and if so by how many points will my credit score improve?

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
10842 Contributions
4390 People Helped

Helpful to 1 out of 1 people

Your best start is reading the articles here so you can learn how credit really works. The charge-offs and collections need to be paid if they are still collectable (check Statute of Limitations on Collections) and, if they are, learn about negotiating a 'pay for delete agreement, which can get some negatives off your credit reports.  Then start on paying the student loans, which arecollectable until paid in full. You have some learning to do and it should begin right now if you really want to build your score. I did it. So can you.

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.