want to fix my credit problems

Hi Lisa

Welcome to the forums. You can get your credit to a good descent standing if you complete your payments to the default accounts. This is solely very important to retain a good credit standing in your profile. Time and good payment history will help in enhancing your credit ratings.

If you are having an old account, try to keep it clean from any negative remarks as it evaluated to know your credit profile. At the same time, if you open a new account, your credit score will get lowered because there will not be any proven track record of it.

Apart from that, you can always check your credit report and see if it is reporting any incorrect entry. You should review your report at least once a year and regularly before you are applying for a loan.

If you wish to know more about improving your credit profile, this site will offer you free counseling and budgeting programs which will help you to keep a check on your finance. You can sign up with this site without spending any singly penny and get the benefits of the debt consolidation program.

If you feel interested for consolidating your past debts, the consultant will negotiate with your creditors and reduce your debt amount. All the financial charges and the late fees will be eliminated and you will be able to achieve a debt free life faster through this program.

Regards
Roxette