You can do this yourself!!
- Did you know you can dispute everything on your credit report with the 3 credit bureau's and if the company does not respond within 30 days it must be removed?
- Did you know if you get added to someone's credit card all their future on time payments will be on your report?
- Did you know some companies if you ask after payment will remove the report
- Did you know you can hire Lexington Law to help you repair
Here's tips from www.myfico.com
Payment History Tips
Contributing 35% to your score calculation, this category has the greatest effect on improving your score, but past problems like missed or late payments are not easily fixed.- Pay your bills on time.
Delinquent payments, even if only a few days late, and collections can have a major negative impact on your FICO score. - If you have missed payments, get current and stay current.
The longer you pay your bills on time after being late, the more your FICO score should increase. Older credit problems count for less, so poor credit performance won't haunt you forever. The impact of past credit problems on your FICO score fades as time passes and as recent good payment patterns show up on your credit report. And good FICO scores weigh any credit problems against the positive information that says you're managing your credit well. - Be aware that paying off a collection account will not remove it from your credit report.
It will stay on your report for seven years. - If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor.
This won't rebuild your credit score immediately, but if you can begin to manage your credit and pay on time, your score should increase over time. And seeking assistance from a credit counseling service will not hurt your FICO score.
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