*Loan,banking and credit>>>credit repair

How do I Clean up and Repair MY CREDIT ???

WE REFINANCED AND PAID OFF MOST OF OUR BILLS. BUT WE HAVE SOME 30 DAY LATE PAYMENTS SHOWING ON OUR 3 CREDIT REPORTS. I NEED HELP !! CAN ANYONE TELL ME HOW TO MAKE REPAIRS. WE ARE NOT VERY YOUNG, I CAN'T WAIT SEVEN YEARS FOR A CLEAN RECORD.

You have to give the companys time to report to the credit bureaus. It doesn't happen overnite. Give it about 6 months to a year to "heal".

DO NOT PAY LATE
If you have caught up on the late payments and are now paying in full and on time you could write a letter to the companies involved and request that they remove the items from your credit report. You can also write a letter to the credit reporting agency stating that you are now paid up to date and in full.

If you are still paying late or having difficulty making your payments you can write to those you owe and request a reduction in interest rate or payment amount due each month. Even if only one or two companies agree it could lower the total payments going out each month enough to get you on track.

Good Luck!
Here's a good article on the subject: http://www.creditcards.com/credit-repair...
http://www.creditcards.com
Credit Repair: How To Clean Up Your Own Credit Report

Putting a priority on rebuilding your credit will help you create a brighter financial future.

You can remove negative items that show up on your credit reports yourself, IF they are erroneous. Many times you will find a lot of incorrect info on the reports that affect your credit scores.

If the info on the reports is accurate, then, unfortunately, only time and good credit habits can help improve your credit score. Check out the free info at our weblog for more info.
http://fixyourcreditreport.blogspot.com...