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 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.
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
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