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 Posted: Sun Jul 22, 2007 10:04 pm Subject: I was overwheled and fell far behind |
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When I turned 18, I wanted credit and I really didn't care how I got it. So I applied to EVERY credit company that I could and a few weeks later I had about 8 credit cards. I tried to pay them down but I was overwhelmed and fell far behind, a few years later I got married and now have a child. We are looking into purchasing a home and I need to improve my credit score.
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pambayens
Joined: 22 Jul 2007
Posts: 1
Debtcc Points: 74
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| Posted: Mon Jul 23, 2007 12:50 pm Subject: |
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Have you tried calling your credit card companies to see if you could work something out with them? They might be willing to lower the interest and maybe even set you up on a payment plan. Depending on what your and your husband's score it, it might be a little difficult to get a house right now. Not trying to sound discouraging or anything, but it will really depend on what your and your husband's fica score is. But do call your credit card companies and see what they can do for you and please stay away from those credit repair places. They are pretty much scams and they don't really do anything that you cannot do yourself. Hang in there.
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2nband
Moderator
Joined: 30 Jan 2007
Posts: 2135
Debtcc Points: 36296
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| Posted: Mon Jul 23, 2007 1:09 pm Subject: |
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You need to call the credit companies and offer your payment proposals. Your credit will improve after the negative items are removed from the credit file. Presently, the debts are hurting your credit scores and your fair potential to purchase a home. You need to set up a plan with your creditors asap and they will update your repayments with the bureaus. In case you need professional help, speak with a debt counselor referred by this website.
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fatb88
Joined: 20 Dec 2006
Posts: 221
Debtcc Points: 1571
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