$4,000 of debt on my credit File...which steps should I lift? I was wondering if it would be best to income each individual

I was wondering if it would be best to income each individual debt at one time or should I pay envelope an alotted amount monthly to each creditor. Also, how can I go back to the beginning my credit? I'm only 24 and I would really close to to bring up my score until that time 28 or 29.

Answers: Speak with the credit companies and ask how much are they inclined to settle for. If you can try to pay adjectives as soon as possible like that. Also formerly you send them the money ask the party for a letter maxim that one you pay them they will write on your credit report "Paid as Agreement" and NOT as a "Charge Off". Once you hold that letter and they do not rework it, you can dispute it with the credit beauros and they will exchange it. It will take some time but it works. Don't refuse money with companies that claim to fix credit. They over charge and bring forever.

I'm in almost matching status as you.. I am only 20 years matured with 2 credit cards lower than my name, a closed hill account, and I owe to a loan place..

right presently what I am doing is paying them all sour between $50-100 dollars per month.. as soon as you pay them rotten they report it to the credit bureau and keep reporting as long as you settle every month.. try to give SOMETHING, because remember they want your money..

try to procure into something that fits your budget so you can bring up you credit in a year or so.

I plan to refinance my coup�� when the lease is up in 2008 (trust me when i say-so my credit is disgusting) even though the interest is going to kill me, vehicle payments bring up your credit..

try to get a credit check to know exactly where on earth you are.. and remember to be responsible from now on.. your credit follows you everywhere.

hire a legal representative who will settle with ur creditors for $2000