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  1. #1
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    Default How do you fix your credit?

    I've seen people mention this a few times - if someone says they have bad credit, someone writes in and tells them to fix it. How? Surely if you have a bad mark against you it stays there for x number of years, no? Even if you have paid down the debt or whatever? Or is it that if you have paid off the debt it disappears from your credit report?

  2. #2
    Senior Member Lauren's mom's Avatar
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    It depends on what is causing the bad credit. Late payments, past due, bankruptcy, total amount owing, all affect your credit score. I found this article that talks about repairing your credit score.

    Credit Repair Checklist - How to Fix a Bad Credit Report

  3. #3
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    Quote Originally Posted by Lauren's mom View Post
    It depends on what is causing the bad credit. Late payments, past due, bankruptcy, total amount owing, all affect your credit score. I found this article that talks about repairing your credit score.

    Credit Repair Checklist - How to Fix a Bad Credit Report
    good link

  4. #4
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    Quote Originally Posted by Lauren's mom View Post
    It depends on what is causing the bad credit. Late payments, past due, bankruptcy, total amount owing, all affect your credit score. I found this article that talks about repairing your credit score.

    Credit Repair Checklist - How to Fix a Bad Credit Report
    Interesting, thanks!

    And just to clarify, my credit is wicked good. I was just wondering how you could fix credit because I thought time was the only fixer. Apparently not!

  5. #5
    Junior Member mommyto3boys's Avatar
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    Ha, I just went through this...I have 'apparently' AMAZING credit but too much debt Yes, 3 young boys, paid for my college, wedding, and everything else...someday. I always pay MORE then the amount owing but I have too much...lol!!
    A VERY proud, dedicated, loving Mommy to 3 gorgeous boys...
    Julien (Jules), 10 years old
    Kieran, 7.5 years old
    Declan, 3.5 years old

    Oh, and I'm a devoted wife too

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