*Loan,banking and credit>>>credit repair

Is my credit beyond repair?

Life can be funny, you look around and you've played alot and messed up so much all of a sudden you're "33" your credit is shot, job sucks, not married, but I have kids the addiction of bad habbits,( NOT DRUS) has a ancor on my life it seem , and now IIm seening the big picture of the things I want a house, being able to provide for my kids etc. it seems every time you see a way something else comes up where you have to speend money you dont have putting you back in the whole, that it seem's you never get out of. everyone else is advancing I know what i want but getting thier is the question where do you start ?????

well Good news is yes you can get back on your feet credit wise and financially I know I can be of assistance email me at bill67co@yahoo.com and I will help ok

Credit is never beyond repair but it will take some time. Start by repaying one of your CC on time each month then try to add the others. If you don't have credit anymore, you can apply for a high interest card and make payments to rebuild your credit. Remeber Start small, little changes make a big difference. Good Luck :)
On personal credit reports the maximum adverse credit rating can stay on your reports is 10 years for a chapter bankruptcy, in all other cases 7 years you need to get a combined credit report from the three major credit agencies to find out what negative credit records you have then write the credit bureaus to dispute the negative credit history
start by monitoring ur credit. try freecreditreport.com. then u will know what exactly is on ur credit reports. then contact them to make payment arrangements. if it is real bad, file for bk. its not that bad to file for bk if u are in a lot of debt. most people recover from it shortly after it discharges. we were able to buy a car weeks after ours discharged. that was 4 years ago now and we have excellent credit now. it takes time. you might want to contact a credit counsilor. he or she will be able to help u a lot, and direct u if repayment or bk is the better option for u. ive been there and know how u feel. at least u recognize there is a problem and want to fix it!! good luck!!!
The best way to fix your credit is not to use it. Hard I know. I was in the same boat as you 4 years ago. I cut down my living to the core things cut up my credit cards and paid them off. Send as much money as you can to the highest credit card percentage and keep following suit until they are all paid. Everytime you pay one off your credit score will go up. Now my husband and I have no credit card debt, no car debt and we have about 6 months of paychecks sitting in the bank for an emergency. We are now saving to be able to put a large down payment on a home it will probably be another 2 years of eating speghetti and salads but it is well worth it knowing that we aren't living paycheck to paycheck an heaven forbid if something happens we will be taken care of. Results don't happen overnight but step by step you will get there. Check out Dave Ramsey. We have been following his advice all this time.
Seek the help of professionals, these guys are a legit law firm and the cost is only like $35 a month.

They cleaned up my credit pretty good

http://www.ficoboost.com

a great resource for reading is creditboards.com forums
No, your credit is not shot, but you may need a boost of self-esteem.