I don't have credit bills to pay when I was seperated my ex husband took some stuff on credit and he never paid it since we were married my credit got affected and I have never had credit it was 0 until he screwed it up for meDON'T HAVE NO CREDIT CARD AND NEVER HAD ONE IN MY LIFEDON'T HAVE NO CREDIT CARD AND NEVER HAD ONE IN MY LIFE

Start Paying Your Bills!

It's not easy. First of all, you need to learn how to spend your money better. Second, don't ever finance or buy things you can't afford. I know everyone makes mistakes or thinks it will be easy but its not. Credit is like pollution, easy to pump out, hard to fix. You have to find a way to pay back way more than the minimum payments to the credit agencies you owe ( or you will NEVER be able to pay them back, trust me) You also need to pay things before they go to a collections agency, that will really scar your credit. Also call the people you owe frequently and set up a plan that works for you, or they will call you! Good luck, it's a HARD process, but in a few years you can get it back up there. Remember, having good credit will save you money on house loans, car loans or even make it so you can even purchase these things.

Get a credit card only use it when you have the cash to back it up in your pocket. Dont buy things you dont need with it. Immediately pay bills as they come in. This will boost your credit. Also PAY YOUR BILLS. Get a budget stick to it. Get a small loan and dont spend the money that they give you. Pay the loan back with the same money. However the interest will be out of pocket. You have to buy credit. Credit comes from paying back interest charges. You cant just pay your utilities and get good credit. You have to use interest to get credit. Good luck and God bless your effort.

get ur credit report from all 3 places.equifax, experion, and there is one more..can't think of the name. Check it. Maybe there is things on there that should not be, if so, tell them and the credit place will have to place a rebutal on there and then you will have time to figure that out. Also place a FRAUDULENT ALERT ON THE REPORT. The agencies will have to contact you before anything is placed or bought. And if there is things on the report over 7 years, call them and explain to them, most of the time, they will take it off. In some cases, the place you had credit with probably doesnt exist anymore and when the credit ppl send a inquiry, it will come back unanswered and they will have to clear it off of the report. keep a check on ur credit every year. each agency will send you one report free yearly. hope it helps

Start by cuting up those damn credit cards!!!

Hai !

I give ten ways to fix your credit that can more help you

Credit cards themselves are not bad. There are advantages and disadvantages. This time I want to take a look at some of those advantages...

1. Access to money:

By being able to use your credit card you can actually save money! Here's an example from my personal life. My dentist gives a 5% discount if you pay at the time of service.
Because I can pay with my credit card I get the 5%. Even if I paid interest on this amount, at 10% APR I can still take 6 months to pay it back and break even!

2. Protection from merchants:

When you buy stuff with your credit card you are very protected. For example, if a merchant won't give you a refund for a return you can always contact your credit card bank and dispute the charge. The bank will probably decide in your favor and chargeback the merchant. The merchant
would have to take you to court to fight further. On the other hand, if you paid cash instead of using your credit you would have to pursue the matter in court with the merchant.

3. A chance to build a positive credit history:

You must have a good credit history in today's society. Many people look at your credit report to judge you so it's vital that your report is the best it can be! Potential employers, insurance companies, mortgage companies, and many more will try to get an idea of your character from looking at this information. Having a credit card and using it wisely will help create that positive history.

4. Other perks and cash back rewards:

There are many cards that actually pay you to use them. They provide a cash-back bonus or other reward. If you can take advantage of that reward then you can actually save money.

5. Warranty protection:

Some credit cards will extend the warranty of an item purchased with that card. Contact your credit card companies to learn about these benefits so you know which card to use when purchasing that new computer.

6. Money in an emergency:

If your car breaks down late at night you may not be able to get an ATM machine or your personal bank. However, by having a credit card you'll have access to the money you'll need in these tense situations.

7. Better deals than other loans:

So many banks, so few good customers. They are fighting for our business! You may be able to get better rates from your credit card bank than from a personal loan or auto loan. Right now I have four, count 'em, four banks that are offering me 0% until near the end of this year!

8. No chance of losing cash:

If you lose your wallet you've lost your cash. If you have $100 in there, it's gone. If you carry little cash and use credit, then, if you ever lose it you can call the credit card bank and report the card lost and you won't owe a dime. The bank loses the money, not you, HA HA!

9. Better than a debit card:

If someone steals your debit card information they may be able to steal money from your accounts. If that happens, your checks will bounce and you'll have to deal with each place you wrote a check too plus the bouncing fees from your bank. You'll have to fight to get your money back. If
someone steals your credit card then you would call the credit card bank and tell them cancel the account and you wouldn't be responsible for the charges that you didn't make. That's the risk banks take for the profit they make. Hey, that rhymes.

10. Customer service 24/7:

Most credit card banks have reps there 24/7. That's great because you can deal with them at your convenience. If you pay your bill late Thursday night, and you have a question, you can talk to someone. Granted that you'll be dealing with their voice menu for a while before you speak to a human, but you will eventually speak to one.

Any suggestions would be appreciated.

There are a ton of resources on the Internet about credit reporting like CreditReportMonster.com, you might also want to talk to a credit repair expert.