Dec 20
car_the_avatar asked:
I have 3 different debts m? Tips, and only 1 phone account? Phone that 's in my report of cr? As man cr dito? Dito. I 'VE ten? To never ever a card cr? Dito, with exceptions? N of these 4 art? *** i' ve never establishment? any kind of cr? dito. My debts are less than $ 1.800.00. I don 't make much money, i' d like at least starting to pay off my debts all together in one payment. ? Is this possible and if so? C? MO? ? Please help!
I have 3 different debts m? Tips, and only 1 phone account? Phone that 's in my report of cr? As man cr dito? Dito. I 'VE ten? To never ever a card cr? Dito, with exceptions? N of these 4 art? *** i' ve never establishment? any kind of cr? dito. My debts are less than $ 1.800.00. I don 't make much money, i' d like at least starting to pay off my debts all together in one payment. ? Is this possible and if so? C? MO? ? Please help!
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Tags: Bad Credit, Credit Card, Credit Report, Medical Debts, Much Money
3 Responses to “How do you fix bad credit when you’ve never had a credit card?”
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December 22nd, 2009 at 9:15 am
All together in 1 payment? Through debt consolidation.
But since it is such a low amount, pay them all down simultaneously. Pay the smallest one off first and send a low amount to the remaining 3. Once the smallest one is paid off, move on to the next, etc.
You’ll hurt your credit more if you consolidate.
December 23rd, 2009 at 10:00 pm
A collection is a collection, paid or not. Paying these debts will restart the date of last activity and will prolong the time that they stay on your credit report. Ex – if these collections are 3 years old, they are schedule to fall of in 4 years (2011), if you pay them now the 7 year clock restarts due to new activity and they will stay on your credit report until 2014.
The damage is done, why prolong it.
Start building credit. Get a credit card, make normal purchases (gas, food, etc…) and pay the balance in full every month. You will increase your credit score.
December 24th, 2009 at 7:52 am
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