Tired of not having credit

You have to work hard on establishing your credit. The first thing you need to do is pull your latest credit copies from each of the CRA and find the actual status of all the accounts. There are chances that few accounts may be reported inaccurately. You need to dispute those items with the bureaus and get it fixed. Then, you have to call each lender and offer your payment proposals. Since you are willing to pay off, they might offer you some benefits in your repayments. You have to get started and stick to the plan to see your credit improving gradually. Take a look at some important tips of repairing credit.

hi Eric

building good credit takes time..so you have to be patient. All you have to do is manage your financial life properly. Make a workable budget n stick to it. do not overspend, just spend on the basic needs. you have to firstly monitor your credit report and get updated with the status of your accounts. Talk to the creditors and chalk out a payment plan with them. If you think that you can not do it on your own and need some guidance, then seek professional help. But BEWARE of the credit repair companies they simply make false promises. Always remember it is only you who can help clear up the whole mess. No one else can do it for you.
Good luck
Nelly