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Lightnin97

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score improvement
How do I get help using resources to improve my credit score?

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What do you mean by "resources"? With time and commitment, you, yourself, can do just about everything required to improve your score.

Start with a hard look at your report and identify easy things to fix (fixing any errors or inconsistencies, or paying off the most recent delinquent account, for example).

Develop a budget that you can live by

List out your debts in the order of smallest to larges and note the APR for each

Prioritize your debt repayment list (some go smallest $ to largest because of the positive reinforcement/motivation from accomplishement, and some prefer highest % to lowest % to save on carrying costs)

Pay the minimums every month on everything but your target. For the target you're working on, throw every penny you can find at it. Pull change out of the couch, have a yardsale, etc, until it's paid off.

Then take the $ you were paying to Target 1 and add it to the minimum for target 2. Make those payments until T2 is taken care of

Do the same for T3 and so on.

Do this until your revolving debt is totally paid off or the collective debt is less than 20%

Continue to use CK to monitor your progress. Every earned point will give you a feeling of accomplishment and it will motivate you to continue on.

For what it's worth, in the past 2.5 months using this "snowballing" method I've managed to pay of more than $6500 worth of credit card debt and back taxes.

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