How can I repair my credit? I had some health problems in 1999, lost job so got behind on my credit card bills
I had alot of health problems in late 1999 and it caused me to be unable to work for some time. As a result I was unable to keep my bills current. At the time I was only 19 years old. I didn't have that many bills. I had 2 major credit cards - one a Providian & the other a Capitol One. The rest of the bills I had were credit from mail order catalogs that weren't even reported to the 3 major credit bureaus so those don't appear on my credit report. Basically, it's the 2 major credit cards that are on there. They both, the Providian and Capital One accounts wound up going to collections. I was also paying off a car at the time but I was able to pay that off to the bank with the help of my parents. I'm now 29 years old & married & my husband & I are wanting to buy a house with a home loan but my credit is not too good, because of the above mentioned situation & my husband's credit is pretty bad. I was advised to repair my credit before trying to get a home loan. How do I do that?
Asked By: newmommie - 7/2/2007
Best Answer - Chosen by Asker
I'm sorry that happened to you. There's some things that you need to know about your score... More
Answered By: Smoovy Loco - 7/2/2007
Additional Answers (8)
You can go to www.creditinfocenter.com for a great deal of information on this very subject. Their forum is packed with information, and has been very helpful to me in my efforts to scrub my credit report.
Answered By: Jamie G - 7/2/2007
One avenue you can go is hiring a credit attorney. They specialize in this sort of thing. Because of technical difficulties ... most of the time when credit card companies report to your credit report, they leave out a key detail or something... More
Answered By: sportsstar4u - 7/2/2007
This will take some time. I'm in the same boat as you. This is what I'm doing: I pulled me credit report from all three of the credit beauro companies (each one will be slightly different), I'm slowly but surely paying off all my debt. Once that gets to zero, it looks a lot better than having a balance. What you also... More
Answered By: mageta8 - 7/2/2007
It depends on how much time you have and how much you wanted to spend. One site offers do it yourself credit repair for less than $20. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself... More
Answered By: stephen l - 7/2/2007
Do it yourself
Answered By: ron d - 7/2/2007
Here is an additional link. http://www.ficocounelors.com
Answered By: Fico C - 7/2/2007
If a person has accumulated a large amount of credit card debt due to multiple credit cards, the need for a proper counseling for credit card debt consolidation can't be understated. Credit card debt consolidation counseling helps a person get vital insights into the facts that can help him get control over the credit... More
Answered By: farrell h - 7/3/2007
Do you have a trusted advisor that you can get a referral to a credit repair program? Be extremely careful as to who you select to help you. Prices vary, length of time it takes to get through the program, etc. The most important point also is that you must be willing to do what must be done to repair your credit... More
Answered By: Giardini - 7/5/2007
Over 483 Local Jobs Now Hiring In Your Area. $18-$87/Hr - Apply Today!
Click. Search. Apply. Free!
Jobs hiring near your local area. Part-time, Full-time, Work at home.
Sobre 287 Trabajos en tu area. $15-87/hora - Aplica Ahora.
Other Career Questions
What is your current job? Why did you choose this job? What do you enjoy about your job? What do you dislike about your job? What would be your perfect job? Would you rather have this j...
Where are the jobs? Is productivity and globalization creating a permanent “recession” of jobs? My main issue is I am doing a paper for school and have no idea where to begin. I was hoping suggestions...
Hi ok im 19 and about to start college to do an acess course into a university. Ive been browsing through all the courses and im tottaly stuck! I thought politics but im scared ill end up with some r...
Content is not owned or controlled by Monster. Any content concerns should be addressed with Yahoo!
Yahoo! Does not evaluate or guarantee the accuracy of any Yahoo! Answers content. Yahoo! Disclaimer.
Best-Paying Work-from-Home Jobs
It’s easier than ever to work from home. Of course, not every job is a mobile job, and some companies aren’t interested in having their employees work from home.
2013 Marketing Jobs Outlook
The US may be facing another year of anemic hiring overall, but that won't be the case in the high-orbit world of multichannel, digital media marketing.
2013 Engineering Jobs Outlook
Engineers will find job opportunities in select disciplines in 2013, with candidates who are all-around, client-oriented businesspeople in demand.
Best-Paying Jobs by Major
What could you earn with a particular four-year degree? Find out by checking out this list of the top-paying jobs for 20 of the most common majors.
Eight High-Paying, Secure Jobs
Want to earn a good salary and enjoy a measure of job security as well? Check out these well-paying jobs on tap for fast growth in the coming years.