help with credit score

Congrats! You've sucessfully got rid of the pdls. That's a relief for sure. Do you have any other debts? Check Statute of Limitation period of those old debts. If SOL has past then send a dispute letter to credit bureaus to remove the account from your credit report. Also try to remove any negative entry from your CR which have already being paid.

hi anita--

at this point, to be honest, i would seriously recommend against getting any sort of new credit. you are saying that you do not have money, and getting new credit without the ability to pay it off now is just asking for more credit trouble. your best bet in my opinion would be to work on your financial picture a while first, and then reevaluate where you stand. Give it 6 months or a year, and when youre in a better financial spot, then look CONSERVATIVELY at credit options. The last thing you want to do is apply to a bunch of places because all of those inquiries on your credit report in a short amount of time will lower your score even futher for the short term. Plus, with your score, most avenues of credit will not b available to you at this time.

Heres something that I have seen all over the place and have been told that it works well. Let's say you get an income tax return. take $1,000 and go to a bank. Tell them that you wish to put that money into a savings account and use it as collateral for a $1,000 personal loan. Then, you take that $1,000 that they loan to you and go to a second bank, and repeat. have heard of people getting three loans like this at the same time, and you end up paying them off with the money that gets loaned to you. Do NOT pay them off early, pay them off as agreed. so then, at the end of that time, you will have three good tradelines on your credit, all recent, and that will do nothing but boost your score.

but like I said, be careful not to get caught in the credit trap!

that is why you are a genius skydiver.great advice like that. :D 8)