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 Paying Your Bills
Profile Image

Question By
LonelyGirl72

0 Contributions
0 People Helped
I need help with my credit
My credit is bad and has been since 1990. How can I fix this mess that I have with my credit.

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
5 Contributions
18 People Helped

My advice is to review your credit reports to find out what's on them.  You get a free credit report once a year from all three major credit reporting agencies (Equifax, Transunion and Experian).  Most (not all) derogatory entries like collections, charge-offs, etc., will remain on your credit report for not less than seven years.  There could also be entries that are erreroneous and don't even belong to you.  Start there and then dispute any information that is over the statute of limitations or you don't recognize as being yours.

There's a wealth of information on Credit Karma's website on how to rebuild your credit.  Rebuilding your credit is not a quick fix so don't expect it to go from bad to good overnight.  It's also going to take some work and perseverence on your part.  But, it can be done!  I did it but it took a long time.  You can do it too.  Good luck!  By the way, about.com also has some great information on credit.

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.