bad credit

First off go to www.annualcreditreport.com and order a report from each of the bureaus. Once you have that,come back and we can help you with more specific questions.

You can contact a debt consolidation firm to help you consolidate your debts. The agency will contact your creditors and negotiate with them so that they to reduce the charges. Closing off your credit accounts is another option. You can also put up for sale the liquidate assets to repay your debts. Once you have paid the debts, you can apply for a secured credit card and instead of paying cash for small things like grocery or petrol use your Credit Card. But always remember to pay off the bills on time every month. However, this plan will take time say at least a year and maybe a few years to take effect; so you have to be really patient.

Stay away from those credit repair companies. They are scams and what they do, you can do yourself for no charge.

I agree with 2nband here.Stay far away from any credit repair company until enough research is done to prove they are legit. I find you can do the same thing as them in most credit repair disputes.