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| *Loan,banking and credit>>>credit repair |
My best friend has horrible credit are there any options for her to repair without costing her a fortune? |
My best friend has horrible credit are there any options for her to repair without costing her a fortune? I agree with the first poster. Have your friend go to creditboards and she can learn how to repair her credit herself. Never pay anyone to learn how to repair credit!!!! Sure it takes some work to learn, but that and the cost of postage (to mail her disputes,etc.), your friend can repair her credit herself. Source(s): http://creditboards.com www.creditboards.com I have heard of Lexington Law, I'm not sure if they are pricey but they help you repair credit problems. Well there are a lot of credit repair groups out there that will consolidate credit card debt into manageable smaller payments. Just keep in mind that the service will show up on her credit report and many creditors look at it the same as if she declared bankruptcy. So she just might as well declare bankruptcy. Good luck! Is this due to balances still owed? She can try contacting her past creditors and asking to speak to a collection manager. Then she can try to negiotiate a settlement payment - maybe they'll forgive some of the interest or penalty fees for payment. She can offer to pay in exchange for revising credit reporting. Suze Orman has a "Find out your FICO score" software package - it's on Amazon - which gives a lot of good tips on how to get the score up. (The higher the # the better credit you have). If she can get any new credit cards the best thing would be to charge small amounts that can be paid off within a billing cycle and keep those payments going out on time. Even if she were to charge $50 a cycle and pay it in full before the due date - it would go a long way to re-establishing good credit. yep, first thing is to find someone who trust her, and has great credit, to add her name to the credit card, then she will have the same credit, as that person who has good credit, and there is nothing illegal about it. I helped my friend get a car, and now he has good credit, and my credit score went up. years ago I had no credit, now I have almost 800 |
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