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slhardy782

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What steps should I take in repairing my credit

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Repairing credit

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First, be careful, there are many companies that are just waiting to take your money.  Credit repair takes time.  Lots and lots of time.  First, contact all collection agencies and try to set up a payment schedule.  Pay at least the minimum on all credit cards and the higher the interest rate the first the extra money goes into them.  See if you can get a loan with a fixed rate that is lower than what you are paying now, with payments you can afford.  See if you can get balance transfers at 4% fee or lower and 0% interest rate.  Good luck and don't get discouraged.  Some things such as hard inquiries (2 years) and collections (7 years) just take time to come off the reports.

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