credit help

These are some of the tips that will help you in fixing your bad score.
Pay your bills on time.
Dont open a number of new lines of credit.
Dont max on credit cards.
Have credit cards but it is important to manage them responsibly.
Dont close an old account that has a positive record.

However you have to remember that there is no such thing as quick fix when it comes to credit score. Your score will take some time to bump up...it does not happen overnight.

So best of luck
nelly

You should challeng any and all negatives on your bureau and get them taken off. This will help tremendously.

Dispute any information on your report that you believe is erroneous, false, inaccurate or not updated. Actually negative information can really really ruin your credit rating, so any negative information that is not true should be immediately removed.

Dispute it anyway. You are not disputing the fact that you may owe the creditor. You are disputing the right of the credit bureau to report it. When you dispute anything the credit bureau has to document it and if they cant they have to remove it. They very seldome can document it and very seldome spend the time to document it thus they have to delete or document it.