*Loan,banking and credit>>>credit score

How can I fix my terrible credit and raise my very poor credit score?

I am currently a sophomore in college and I guess you can say I messed up my credit score when I finished High School and started opening up loans and credit cards I couldnt pay for. Now, I have a horrible credit score and I probably can't even get approved for a glass of water without a co-signer. I have several accounts in collections and alot of them are closed. Is this the end of the road for me? I dont know what to do and how to boost my score. I can't get approved for an unsecured card, only for a secured card, but I havent opened one yet. What is the best way for me to re-establish my credit and boost my rating?

What you gotta do is start paying that stuff back. Talk to your creditors and work out some settlements and actually pay them. If you start showing that your making payments, your will look like less of a credit risk. You can them get a credit card, probably with the highest interest in the nation, and you can use it for your bills and purchases but always pay it off at the end of the month. You have to prove that you are worth the risk or the companies won't do it. As an aside, you can probably get a card even now because if you're like me you get a hundred mail offers a day. Just be careful. You credit score can mess up your chances for employment once you graduate so get it straightened out while you're still in college. Source(s): My friend is in the same boat as you and I almost was myself but I'm on track now.

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I don't know about your part of the world? In New Zealand you wouldn't be able to get credit for at least 10 years.You can only do one thing. Save. And pay cash for anything you buy. I doubt very much anyone will trust you now.You say you have several accounts in collections. It just shows your irresponsible with other peoples money. You deserve what has happened.
Step one: Pay off all Debt start with largest interest rates first. If not talk to creditors and try to negotiate pay offs and lower interest rates. Make all current payments on time.
Step Two: after all negative credit is just waiting for time to go by to get off your report, start building positive credit. Pay the $300 dollars and get a credit card that you pay a service fee to open. This will give you positive credit as long as you keep the balance at 0 or make all your payments on time. You also could find a cosigner on something and start making the payments on time. You have to find ways to add positive to your credit report, have open lines of credit that are paid up and paid on time every time. Be careful with this. You can get into more trouble than it is worth, if you don't have the means to take care of these things. Take care of your credit from this point on. If you are dedicated you can get it to work. Start saving. One day you can provide a large enough down payment to get a car or house that will add to positive credit if you make payments on time.
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