Don't give up, good credit is not far awayCompanies that claim they can restore your credit and quickly erase debt are a dime a dozen. But beware! Many of these services will do little or nothing to improve your credit.
If you need to repair your credit or consolidate debt, you can arrange payment plans and improve your credit score yourself for little or no cost. Make sure you don’t get duped.
If you can’t pay your bills:
Contact a nonprofit credit counseling service in your area.
Contact your creditors immediately to arrange a payment plan.
Questions to ask credit repair companies:
How much do your services cost?
What do you offer that I can’t do myself?
What proof will you provide that you are negotiating with my creditors?
What are your cancellation and refund policies?
Are you in compliance with the Ohio Debt Adjusters Act?
Tips to improve your credit score:
Always pay on time.
Don’t take on new debt to pay old debt.
Keep balances at 30 percent or less of available credit.
Get your free credit report at www.annualcreditreport.com.
Correct mistakes on your credit report by notifying the appropriate credit reporting company in writing.
Don’t close old accounts; a longer credit history improves your score.
Demonstrate your ability to handle various terms and conditions of credit by having a good mix, including revolving loans (such as credit cards), installment loans (such as auto loans), and mortgage loans (such as home loans).
Apply for and open new lines of credit only when you need them.
Can credit repair help you in Massachusetts to achieve financial stability? Can you remove a bankruptcy on your own?
Like all negative item disputes, it’s entirely possible to complete the process on your own; however, it’s a lengthy and tedious process that doesn’t guarantee results. You can dispute the bankruptcy either by stating an inaccuracy of the information included in your credit report or by asking the credit bureau how it verified your bankruptcy. As with any dispute, they must respond to your procedural request letter within 30 days.
In most cases, they’ll say that they verified it with the courts, but this is unlikely. You must then contact the court to ask how they verified your bankruptcy. If they respond that they never verified it, you should get that statement in writing, send it to the credit bureau, and ask to have the bankruptcy removed. This method isn’t guaranteed but is might be worth trying. Otherwise, enlist the help of a credit repair company to navigate the process for you.
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