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Jayman1983

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I need help with my credit scores

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Plan B

I was referred to Plan B by my realtor, they had each bureau delete all of my collections in 28 days. Give them a call 714-508-7306 planbcrs.com They are awsome to work with and they work fast.

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Start Reading and Learning, Lots of information on this site and others. everyone should be learning as much as they can.

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Some general points:

  • You shouldn't have any sort of derogatory items such as court judgements, tax liens or bankruptcies. If you do, you need to resolve those issues before your credit can start to recover.
  • Pay at least the miminum on every bill, every month. This is the most important item, along with the previous one.
  • Keep credit balances as low as you can afford (less than 10% across the board tends to be ideal). 
  • Keep your accounts open (and current), especially your oldest. Having lots of new accounts doesn't help your score. If you keep those accounts open and current over the next several years, they will benefit you more and more.
  • Avoid applying for new credit or credit limit increases unless you really need to, as these requests often generate inquiries. Inquires count against your score for about two years.
  • Like icuhowie said, lots of resources are out there. Read up, be patient, and stay the course. Rebuilding takes years, which proves to creditors that you are a good borrower in the long term.

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