How do i improve my credit score

Good standing accounts would definitely make your score look better. Hence, it is important that you stay current both on car and mortgage loan. Also, since you have successfully settled your debts that too would improve the score eventually. However, adding some prepaid credit cards to your report may help it in improving faster.

Thanks SC. I too was wondering how to improve mine after I settle. Right now I am making monthly payments to Discover, Chase and Capital One. They were in debt management program, but I am now paying them myself. (The payments are small and managable, plus the balances are low) I've been on time for last 3 months. My mortgage has been on time and my car loan.

I will probably look to get a prepaid credit card after my settlements to build the score up faster. I am co-signer on my daughter's lease, and right now she's stuck where she is because of my credit score. She's bipolar and has limited income.

Anyway, I sure am better off right now than I was this time last year. :D

How proud you must be. You not only screwed your own credit, but your daughter's as well
A great example. I wonder why people would take ANY financial advice from someone like you.

You misunderstand. I did not ruin my daughter's credit. My daughter has no credit because she makes only about $5,000 a year because she cannot work full time because of her illness and medication side effects. She's not eligible for rental assistance because she works. I insist she work for her self-esteem and to keep her occupied. Because of her income, I have to co-sign for her studio apt. and I'm not even going to get into how this illness has affected her life. It's not the appropriate forum.

[COLOR=black]I often wonder about those who post critical msgs, suggesting that we who are trying to recover from a bad situation.[/COLOR]

[COLOR=black]My guesses are[/COLOR]
[COLOR=black]a. They actually work for collection agencies and are trying to learn what we are exchanging ideas on so that they can combat against them. If this is the case they are proving how foolish they are. Taking shots at us will not change anything. They would do much better to sit back and lurk, gleaning information.[/COLOR]
[COLOR=black]b. Or they are people of such low esteem for themselves that they need to find someone with a problem they can point at and criticize in order to make them fee better about themselves. [/COLOR]


to them that are here to regain controle of their lives I say WELL DONE! Push on. To those who have other motives

Romans 2: 1-16

Therefore you are inexcusable, O man, whoever you are who judge, for in whatever you judge another you condemn yourself; for you who judge practice the same things.

Read # 10.
Preach your *** crap elsewhere
Pay your bills, for it is you who is evil

Unregestered guest, so sorry, you seem to have missed my point.


[QUOTE=Badabing;507480][COLOR=black]I often wonder about those who post critical msgs, suggesting that we who are trying to recover from a bad situation.[/COLOR]


3 And do you think this, O man, you who judge those practicing such things, and doing the same, that you will escape the judgment of God? 4 Or do you despise the riches of His goodness, forbearance, and longsuffering, not knowing that the goodness of God leads you to repentance? 5 But in accordance with your hardness and your impenitent heart you are treasuring up for yourself wrath in the day of wrath and revelation of the righteous judgment of God, [QUOTE]


Have a Great Day

This is not the place to preach your so called religion. It is a debt forum.

Go find yourself a church if you want to preach. You are not wanted here

I am in the same situation too.I got a lot of phone calls everyday, some of them are cool and some are rude. I am in financial struggle considering the fact that I am a single mother of three and my child is in and out of the hospital. bills are mounting, to a point that i feel not ignoring all those phone calls. i feel frustrated and hopeless. almost all my debts are placed in collection agencies. my question is . is it possible for me to settle these debts with the original creditors, for example Chase Bank even if it has been placed in the hands of collection agencies? please. i need some advices. give me some lights on this. thank you