Increasing Your Credit Score from 550 to 750 in Twelve Months

Updated on May 3, 2016
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It seems like every day that I run into someone who tells me that their credit is seriously messed up and beyond repair, whether it be the result of a divorce, student loans, or old debts that they never paid off. Everyone thinks that their situation is worse than anyone's has ever been and that their credit can never be fixed. Does this sound like you?

Well, for you and all the people that think their credit can never be repaired I have news.

First, let's talk about the three credit bureaus and your credit scores. There are three bureaus that lenders use to check your credit. Some may use more than one, but the majority simply pull from one bureau. About half the time, when you default on a debt, it is reported to all three bureaus. However, it may also be reported to one or two of them. Each bureau scores in pretty much the same way. Credit scores go from 300 to 850. 300 is dismal and 850 is perfect. Most people that I talk to think that their credit score is around 300. However, after checking many people find that their scores are higher. It is definitely worth trying.

What Does Your Credit Score Mean?

Believe it or not, to get approved for a mortgage, car loan or any other type of financing, all you need, assuming you have the income to make the payments and employment and stable housing, is a credit score of 620-650 or higher. A credit score of 750 will pretty much guarantee that you are approved for whatever you are attempting to finance, and it doesn't take very long to achieve this kind of number.

Getting a Copy of Your Credit Report

The law allows for two instances where a person can obtain a totally free credit report:

  • Once per year.
  • When you have been turned down for financing based upon your credit report if requested within an allotted period of time.

The official site for the free yearly report is www.annualcreditreport.com. You'll have to verify some information so that they know it is really you. This site does have a function for online viewing.

What you want is a site that will let you pull a fresh copy of your report whenever you want, so that you can see how your efforts are affecting your scores. You also want a company that lets you view all three at once, in an easy format. The only company that I have found that offers these things is called Credit Check Total. I won't include a link lest someone think I am hawking an affiliate product (I'm not), but I do recommend them and use them myself. It's twenty bucks a month, but you can look at your credit report as many times as you want. Whenever I have had a question it's easy to get them on the phone and get an answer.

What to Do With Your Report

The first thing that you'll want to do is sit down and make a list of your debts. I would separate them into three categories, which I affectionately call:

  • Probably—Can pay off in one lump sum.
  • Possibly—Will take longer to pay off.
  • Hell No—Just can't pay off.
  1. Now, go through your list and cross off any debt with a most recent date of activity that is six years old or more. Generally speaking, a delinquent account can show up on your credit report for up to seven years from the time your first delinquent payment was originally due on the account. These debts will drop off by the time our twelve months are over, so we don't need to worry about them. One exception to this rule is a student loan, which will never fall off your credit report until it has been paid in full.
  2. Take a pen and paper and make a plan to pay off all of the "probably" debts over the next twelve months. You'll want to pay them off in one lump sum—,we'll go into why later, so make sure that you allow for that. If you only have $100 a week you can spare to pay these debts and the amount owed is $400, then allow four weeks for that particular debt. Remove the probably's from your list.
  3. Look at how much money you have left over and determine if you can pay off any of the "possibly" debts. If you can, make a plan for those and remove them from your master list. Now, you should be left with a few possibles and one or two "Hell No's". We have a plan for these, don't worry.

The Route to a 750 Score

There are two ways to remove negative items from your credit score, and one isn't to pay them. At least, not just to pay them. There is a process for paying off your debts and if you head into this venture gung ho and start calling up every creditor on your list, you'll do a lot more damage to your credit score than is already done.

First, let's discuss the two methods of removing negative information.

Method One: Pay the creditor and request that they remove the negative information. Basically, they withdraw their submission of unpaid debt. Some will tell you that they are unable to remove the information and if they are the original creditor, this is utter horse dung. They are perfectly able to remove it. Now, be forewarned, you may have to get tough with some of these creditors and explain that you are attempting to clean up your credit. Tell them that you are making those creditors who are willing to remove the negative information for payment of the debt a priority and if they refuse to remove it, then you will be forced to put them at the bottom of your list. They may threaten to see you in court and garnish your wages and take your first born baby, but in fact 99.9% of the time they will do nothing of the sort.

A different situation exists if the original creditor has charged off the debt and sold it to a collection agency. You'll know if this has happened, because when you call the original creditor, they will tell you to call so and so collections. Do not plead or argue with the original creditor to remove the debt or take your money. It will not work. As far as they are concerned you no longer owe them money, your debt was paid by the collection agency that bought your debt. Instead, simply thank them, hang up, and move that particular item to the "Hell No" column.

When we begin the plan, you will call one creditor at a time from your list of probably's, only after you have the money in hand to pay the debt in full. You will then attempt to negotiate a settlement for complete removal of the negative information from your credit reports (however many it exists on) and get that promise in writing from them, as well as the settlement amount. When you have it in writing, you pay that creditor and you move onto the next one.

Method Two: Obviously, we're not going to be able to pay everything on our credit report in most cases, so we have a different method for dealing with these debts. You are going to dispute them. Pick one debt per two week period and send a certified letter ( not a phone call, a letter) to the credit bureaus that list the debt and dispute it for whatever reason you can think of. You can say the dates are wrong, the amount is wrong or the debt simply isn't yours or it was paid.

A law exists that credit bureaus must remove negative information if the customer disputes it, and the company that listed the debt doesn't prove that the debt is owed and is correct within thirty days. Most companies fail to send it off within the thirty days and many may not even be able to find the records, especially if the debt is a few years old. However, if you send in too many requests at once you will be flagged as a frivolous disputer, and you won't get anywhere. Send one debt in every two weeks, or even more spaced out over the year period if you only have a few.

These two methods combined are going to remove almost all of the negative information from your credit report and will bring the score up considerably. However, we are not finished. At the same time that we are removing negative information, we're also going to rebuild your credit.

The Final Hurdle

The very first month that you begin this program I want you to beg, borrow, or steal $300 and get yourself a secured credit card. A secured credit card is one that works exactly like a credit card, but with the credit line secured by a cash deposit, which you usually receive back within a year of using the card responsibly. This is not a debit card. The money you secure it with is not yours to spend, it's your collateral to obtain this credit card. There are many companies that offer this service. Before you go shopping for one, I want you to find one that meets the following criteria as closely as possible.

  • Reports as a credit card not as a secured credit card.
  • Reports to all three bureaus.
  • Reports minimum quarterly, preferably monthly.

The first is non-negotiable. You must find a card that reports as a regular credit card or you will benefit very little from what we're about to do. The second is almost as important, since we never know which credit bureau a potential lender will pull from. The last, monthly or quarterly. Make sure it's one or the other.

Now, begin using the card to buy something each month that you were going to pay cash for. Put the cash away and when the credit card bill comes, for gosh sakes pay it.

Repeat in month three. Yes, I'm telling you to come up with another $300 and get a secured credit card from a different company. Use it the same way, spending say $10 a month and paying it off immediately when the bill comes. No late payments, no “I'll pay it next month” and no paying the minimum. Pay the entire bill off each month on both cards.

Finally, in about six months you're going to go shopping for a store credit card. These are quite easy to get with very little of a credit history and you should be able to get one quite easily. Then, use it just like the secured cards until the end of the twelve month period.

Conclusion

Use the credit checking website you joined up with to monitor your credit as you pay off debts, get them removed, and dispute others. You will also see good payments begin to appear and your score will begin slowly climbing up, gaining more and more momentum. With these steps, you should be able to move from 550 to 750 in a year. Good luck with your journey!

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.

Questions & Answers

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    • profile image

      Cleo C Goss 

      2 months ago

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      3 months ago

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      3 months ago

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      3 months ago

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      Willian Carter 

      4 months ago

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      4 months ago

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      4 months ago

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      4 months ago

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      4 months ago

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    • profile image

      Lenwood Hoover 

      4 months ago

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      5 months ago

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      5 months ago

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      6 months ago

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      6 months ago

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    • profile image

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      6 months ago

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    • profile image

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      6 months ago

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      6 months ago

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    • profile image

      JorgeMcfadden 

      6 months ago

      Whenever i'm asked about credit problems my advice always is, go the extra mile. After struggling on our own for over a year and spending a lot trying to clear up our credit with attorneys who offered empty promises and credit companies that charged us thousands of dollars only to find out they hindered us more than anything. We decided to think outside the box, did a little research and was able to find a hacker with the email anonymouscreditrepairer atgmaildotcom, that was the end. He's the smartest person i've ever met. He cleared everything the attorneys and credit companies could not including our derogatories and old student loans. All i can say is be smart.

    • profile image

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      6 months ago

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    • profile image

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      6 months ago

      A divorce can be an incredibly stressful, painful emotional rollercoaster but once you come out on the other side, it's time to make some necessary changes to your finances like quickly eliminating any accounts you have with your ex. Don't make the same mistakes i made. A lot happened after my divorce including issues from accounts that were linked to my ex, leading to debts. Thankful i was able to get through to a hacker via his email address anonymouscreditrepairer ATgmailDOTcom who repaired my credit and credit score else i don't know where my life would have headed to by now, probably worse than i can even imagine.

    • profile image

      DariusBryant 

      6 months ago

      i was lucky to be freed from the chains of my own prison. I couldn’t be more impressed with myself for having enough confidence to reach out to a hacker. i emailed him through firewallbreachexpert 'at' gmail 'dot' com with hope of just erasing my student loan but at the end also got my eviction removed and my credit score raised. He's a genius i must say. To him he fixed my credit, to me he fixed my life.

    • profile image

      Bradley 

      7 months ago

      I was always skeptical of these services but after seeing my cousin testify to a hacker's service i decided to give this hacker he made use of a try, and he didn't disappoint. Before i emailed him i had two evictions on my credit and a student loan, and he cleared those within 3 days including raising my credit score to a golden score. This experience i can never forget. For those who need his information, anonymouscreditrepairer [at] gmail [dot] com is the email i reached him at. I now have an awesome professional relationship with him so you can tell him i referred you. relationship

    • profile image

      Davisturner3 

      7 months ago

      When I first started getting serious about buying our first home, my wife thought i was delusional because we had a terrible credit and couldn't get a loan with that but i was determined to get us out of our place to a better place and that was how the search for a solution started, luckily for me i stumbled upon this credible hacker with email address anonymouscreditrepairer AT gmail DOT com. I absolutely cannot overstate how good this hacker is. I mean he raised our scores and fixed our credit so we could apply for the loan. My wife trusts my intelligence and determination now. I'm so proud to be writing this.

    • profile image

      Head Burt 

      7 months ago

      Hi there, Most of these techniques do work(over 2 to 3 years )if you ask me that is too long when you need a good score for a car loan , house loan or business loan , however for a more immediate effect.Hi there , I had to share this story incase it helps someone else.Away from cheaters ,

      Last year i was having some issues with my credit score as i needed a loan for a bigger house .i struggled with a low credit score of 550 because of mistakes made in the past, and finally stumbled upon a guy in a Tech summit and he was able to hook me up with an underground agency who boosted my credit score in 5 days.if you need such help contact on email at (CyberGuru@inbox.ru) he can help increase your credit score .he would be able to help you easily .

    • profile image

      Andy 

      7 months ago

      Hello and happy weekend my name is Andy Jordan, a very big thank you to Ghost Virus for he’s tireless effort making sure I get the prefect credit I needed to get approved for a loan which I applied some weeks back. I had (Student loan, Collection, Inquires, Tax liens, Medical bills, late payments, and low score) on my Credit report which disqualified me. A friend recommended Ghostvirus7890 at gmail dotcom to give my credit the prefect and permanent treat I was looking for. After a short assessment on my credit situation I was signed up and on my way to restoring an excellent credit rating. I provided the info’s which he requested the next day to start the process which lasted for 8 days. My credit is looking prefect and my scores excellent you can give your credit a good treat by contacting Ghost virus. This was not possible in the past due to my previous history. Thank you Ghost

    • profile image

      Hernandez 

      7 months ago

      I want to sincerely thank Ghost for a great job which he delivered on my bad credit report. I applied for a mortgage loan couple of weeks back but wasn’t qualified. The issue was that I had bankruptcy and tax liens to dispute, and the companies dropped it off my record. After surfing through the internet for help I read about GHOST on a credit repair website and other blogs. I contacted GHOST and explained everything to him to cut the story short he fixed my credit raised my scores to 740, removed tax liens, eviction and bankruptcy off my report, He also increased my credit limit and credit leverage. Still surprised at how it just happened within (6 days) and easy to push the dispute button at the credit agency website with this Specialist. You can get connected today and start your repair mail at GHOSTVIRUS at WORKMAIL dot COM and worry no more on buying a home with low credit scores or getting a job with bad credits. Happy New Month Hernandez Robert GA

    • profile image

      SabriaPaquette 

      7 months ago

      A divorce can be an incredibly stressful, painful emotional rollercoaster but once you come out on the other side, it's time to make some necessary changes to your finances like quickly eliminating any accounts you have with your ex. Don't make the same mistakes i made. A lot happened after my divorce including issues from accounts that were linked to my ex. Thankful i was able to get through to a hacker via his email address anonymouscreditrepairer ATgmailDOTcom who repaired my credit and credit score else i don't know where my life would have headed to by now, probably worse than i can even imagine.

    • profile image

      Tony0Gross 

      8 months ago

      This email will save your life anonymouscreditrepairer (at)gmail(dot)com, emailing him saved me. He's a hacker capable of removing negatives like evictions from your credit and repairing your credit scores. Thank me late

    • profile image

      DrakeCollinsO 

      8 months ago

      I emailed firewallbreachexpert AT gmail DOT com for my credit repair, i was referred to him by my best friend. I assured him i would refer people to him if he did as he said he would. I had late payments from student loans, they were 31 from all the different little loans per semester. I had refinanced them into one loan and needed the late payments removed. I'm happy firewallbreachexpert was able to erase the late payments from my credit

      history. It was such a relief.

    • profile image

      MonicaHazelton 

      8 months ago

      My christmas was amazing and the best so far for me since i've been born. Just last month i was in the most depressed state i have ever been. But fortunately for me while searching for credit cards that i can use to gradually repair my credit score i stumbled upon a forum where firewallbreachexpert at gmail dot com was recommended by several people there and thankfully he didn't disappoint, repairing my credit scores and removing charge offs among many others i had. Now i've been giving a very rare opportunity to start all over again, i won't mess this up.

    • profile image

      Emerson 

      8 months ago

      Hi there Most of these techniques do work(over 2 to 3 years )if you ask me that is too long when you need a good score for a car loan , house loan or business loan , however for a more immediate effect , I had to share this story incase it helps someone else out there .Away from cheaters ,

      Last year i was having some issues with my credit score as i needed a loan for a bigger house .i struggled with a low credit score of 550 because of mistakes made in the past, and finally stumbled upon a guy in a Tech summit and he was able to hook me up with an underground agency who boosted my credit score in 5 days hours.if you need such help contact by mail (Easy Hacker100 At Gmail Dot Com) he can help increase your credit score .he would be able to help you easily .

    • profile image

      MonicaHazelton 

      8 months ago

      My christmas was amazing and the best so far for me since i've been born. Just last month i was in the most depressed state i have ever been. But fortunately for me while searching for credit cards that i can use to gradually repair my creidt score i stumbled upon a forum where firewallbreachexpert at gmail dot com was recommended by several people there and thankfully he didn't dissapoint, repairing my credit scores and removing charge offs among many others i had. Now i've been giving a very rare opportunity to start all over again, i won't mess this up.

    • profile image

      Brittney 

      9 months ago

      MARCUS REYES, i've also worked with the anonymous credit repairer. He saved my life.

    • profile image

      Cody789 

      9 months ago

      Great Citizen of America my name James Cody from the states of Tennessee I live in New York with my family I’m a business man. I want to appreciate Cole for he’s monumental help recently on my poor credit I gotta tell you this. When my score was 580 I wanted to buy a house but I knew I was nowhere near where I wanted to be but I couldn't afford going to a credit repair company. So I did my research and I came across a review on reddit about Cole how he fixed a lady’s credit and increased her score in short while so I contacted him. He disputed my old accounts and increased my score; I’m able to buy a house. God bless you Man. I hope people listen to you. I also learned a lot and now I help my friends fix their credit because when you see them cry in desperation. It breaks my heart and I do it for free. Knowledge should never be hidden nothing but love. Contact; COLEFRANKSERVICES at GMAIL dot COM

    • profile image

      Mary 

      10 months ago

      My advice for credit report issues is to have a good credit specialist with good hacking skills. I don’t have to border no more for any credit report issues or impostors taking my money as well as my family because I make sure my hacker is always close. It's good to play by the rules though, but better to break boundaries. I entrust my credit report and my binary trade over to whitehatservices. They helped improved My Fico score from a low 567 to an excellent 810 also removing all the bad records on my report. You can as well mail them, The contact is whitehatservices AT programmer DOT net. They are really the best!!!

    • profile image

      Peddy Murphy 

      10 months ago

      Hi I’m Murphy, after reading several reviews about Hack West, I decided to try them too they are different class. They helped me repair the 25 negatives on my report completely and raised my score to 730 on the average. I am the happiest man on earth right now all thanks to Hack West…You can reach them on HACKWEST at WRITEME dot COM

    • profile image

      Wes Hamiter 

      10 months ago

      Global View is also responsible for the good credit score i have now. He's 100% genuine.

    • profile image

      Micheal Sylvester 

      12 months ago

      I feel very happy to share this great and wonderful testimony with everyone on this site. My recent experience made me understand that the credit score doesn’t matter nearly as much as the actual information in your credit report. When I was applying for loans for my most recent investment my third home, my score was in the mid-600’s. I had four late payments, which hurt me, but the lenders actually looked at my report and refused me a loan.. I was really devastated and perplexed. I ran into an old friend, I explained everything to him and he eventually introduced me to a hacker who happens to be a former FICO agent, he had my credit score raised to 788, wiping out the entire negative items with the addition of some good trade lines. i already know a real hacker Just in 5 days, I swore to reveal the hacker’s proficiency to the world if he should fix my credit. Mail a real hacker today Notablespy.org at gmail . com You will be glad you did.

    • profile image

      Robbie Weston 

      13 months ago

      It is wonderful to finally get hold of a trusted credit repair and restoration service that knows the ins and outs of the credit business. These experts also helped me with me FICO score and cleared my credit card debts

    • profile image

      duke alonso 

      13 months ago

      They are true to their word! I dealt with 2 other companies big name and small name but MASTER CREDIT EXPERTS is the real deal! I got my score up by 120 points and all liens, late payments and inquiries have been removed from my report. I totally recommend their services if you are in need of a credit makeover.

      ( MASTERCREDITFIX at GMAIL dot COM )

    • profile image

      TimekaKriens 

      13 months ago

      i was having trouble renting an apartment due to evictions i had on my record. I did the necessary, went online and founnd me a reliable hacker. He really proved himself to be one of the best out there as he cleared the evictions and raised my credit scores also. email him asap at firewallbreachexpert at Gmail dot Com if you have any credit related problem, tell him i referred you.

    • profile image

      Steve 

      16 months ago

      The best article on credit I have ever read! Thank you!

    • profile image

      To Bryan Snyder 

      17 months ago

      This wacker supposedly raised your credit score to 841 but only raised your credit card limit to $4,500? Lmao. Clearly you are lying.

      Do you know how much a person with that credit score could get approved for? But then again what would you know you are not even an American Citizen lol

    • profile image

      Dont let him fool you (part 2) 

      17 months ago

      These are lame wannabe hackers. If they were any good they would at least be able to afford not one but many paid email accounts to look more legit instead of using gmail lol lol lol lol

      You guys are a joke. At the very least post a link that directs people to a fake website you created that imitates Paypal or similar lol. Btw people the only way these so called hackers can help you is by paying your debts with other peoples money(stolen credit cards). From the looks of their inexperience they will only help you temporarily. By the end of the month you will be in debt again from all the chargebacks lol lol lol you will probably be charged extra for returned payment or even worst be charged with fraud if the victim decides to investigate and press charges which shouldn't be hard because the account paid was under your name lol lol lol these wackers dont care about yall. If you people really want to fix your credit score i suggest you listen to the author of this post. Anything else will only set you back. Unless i help you of course but like i said im retired. I have sold many hacking tutorial's in the so called Dark Web. People are still buying them lol im not going to promote anything on here especially to these noobs. They are not worthy enough to learn my technique's. I bet they are still buying gift cards and selling them on paxful for bitcoins lmao

    • profile image

      DON'T LET HIM FOOL YOU 

      17 months ago

      Dont contact those emails he is a fraud. He will ask for your information and use it against you by selling your info online to other wannabe hackers.. This will cause many inquiries on your credit report and credit cards being ordered by random people and ruin your credit score... Its important you check your credit report everyday to catch any signs of fraud.. Early detection is important to receive the least damage possible. By emailing them they can hack into your account and login to many of your online banks, Paypal, shopping sites and social media. I know because i am a hacker myself. I have accumulated great wealth in Bitcoins and don't need to hack anymore. I have financially ruined many innocent people and in regret i am trying to make things right. Starting by helping you not fall for scams like those.. You have been warned.

    • profile image

      Jtodd 

      20 months ago

      I have a question. For those that have sold your debt to a collection agency and that agency refuses to remove their reporting for payment, how do you handle that? Just dispute it to the bureaus? What if that doesn't work? Would you pay it?

    • profile image

      Jose’s 

      23 months ago

      I’m sorry but Aaron Swartz is a scam. Don’t believe nobody posted about Aaron Swartz. He robbed my family today out of $550. 00 less than 14 hours. Please don’t fall for this iTunes gift card trick either. I don’t lie, trust me folks.

    • profile image

      harrywest 

      23 months ago

      back then in 09',when i wanted to get a house for my family because i wanted a bigger space for my kids they were always complaining they wanted separate rooms, but i couldn't get a loan because i had a poor score, then i started dropping my contact on different blogs and site, so i met some guy who mailed me saying he could help me raise my score to 780,and that was good for me... i didn't believe him at first but i decided to try him out to my surprise he helped me raise my score and cleared my report now i have a bigggg house! !... honestly i have never seen the kids more happier in their lives I made their dreams come through 'I'M THEIR SUPER MAN'

    • profile image

      Joey 

      23 months ago

      How much does this guy Aaron charge to fix my credit?

    • profile image

      fed up 

      24 months ago

      globaltechnologies46@gmail.com Is s scam artist!!! Do NOT trust him!

    • profile image

      Josey 

      24 months ago

      Is this guy Aaron trust worthy

    • profile image

      Doug DeMartini 

      2 years ago

      What are some secured credit cards that meet all the criteria that you could refer to me?

    • profile image

      Dong 

      2 years ago

      Whenever I think about sometimes last year, I do give thanks to God. I was in a two different terrible situations. I was scammed on binary options and my credit score got worse as a result of the scam because I borrowed a lot when I wanted to start investing in binary options. I was so sad and devastated and I was in a state of dilemma. I had housing problem later on and I needed to get a new house. So luckily for me, I met with a credit score specialist who promised to help me out. All he did was just to collect some info about me regarding credit score and God so good to me, he was able to fix it.

      Later on, I came in contact with a man who is a professional in recovering funds most especially from binary options, this man requested for my payment details to binary options and to my greatest surprise, he was able to recover my money for me within 3weeks. I didn't regret paying this men because I got good and desired results from them, the payments was worth it.

      People wondering the reason I'm talking about this, I can't just keep covering God's blessing all over me.

      I know many people are experiencing this kind of situations and I would have love to drop these men contacts here but I won't be able to for some reasons especially that of security reason. Anybody that needs help should feel free to message me privately on my mail which is dadong04 at mail dot com, I'd be glad to give you details on how I went about it and link you up with these professionals if that's what you need.

    • profile image

      taylor 

      2 years ago

      Back then in 09',when i wanted to get a house for my family because i wanted a bigger space for my kids they were always complaining they wanted separate rooms, but i couldn't get a loan because i had a poor score, then i started dropping my contact on different blogs and site, so i met some guy who mailed me saying he could help me raise my score to 780,and that was good for me... i didn't believe him at first but i decided to try him out to my surprise he helped me raise my score and cleared my report now i have a bigggg house! !... honestly i have never seen the kids more happier in their lives I made their dreams come through 'I'M THEIR SUPER MAN'

    • profile image

      Christopher 

      2 years ago

      I want to thank the author of this article. I don't know too much about credit matters. All I know is that my credit was 497 and I got a card from capital one for $200 and its been going on 6 months and my credit has only gotten to 572 I've been paying off the card in full every month. But I do still have 2 collection agencies on my report that are about 4 years and 5 year old debts. I really don't have the money to pay them off at all. But after reading this I think I will have a new approach to handling them. I'm hopeful this will work. So that's why I just wanted to say thanks.

    • profile image

      Alison 

      3 years ago

      I have several items on my credit report that show paid/0 Balance from 4 or more years and a few have reported this year. Should I dispute to have those removed first then move on to the ones in collections? I'm confused on where to start and why these companies are still reporting on something that was paid 4 years ago. Thank you

    • profile image

      ChasingDreams1 

      3 years ago

      This is some good advice, I will add the following. I had a 3-4 collection accounts that were showing on my report, they were not showing reported from the original creditor. It was debt a couple of years old. I went directly to the original creditors and paid the bills, then I immediately disputed the collection accounts stating the bills had been paid to the original creditor. The collections accounts were all deleted from my reports. I found that Transunion and Equifax were the quickest to respond, Experian took almost 30 days. I did dispute online directly to the credit bureaus and with one account I provided documentation that the account was paid, I was able to upload the documentation. It does indeed take time but there are ways to improve your scores. I did obtain a couple of secured cards a couple of years ago, since then have been able to get a couple of unsecured ones. The starting unsecured limits are entry level but once you get one and use it for small things and PAY IT IN FULL every month it will work for you. If you have NO credit or just cannot get a card, you can also trying getting credit with someone who has "freshstart" programs. Fingerhut is one, they will give you a small credit line with a small down payment. Order something that you CAN pay off in 60-90 days, make more then the minimum payments, and they DO report to the bureaus. They will then increase your line. It is a START and it does work but you have to have patience.

    • profile image

      Lisa 

      3 years ago

      Question.. Say the creditor doesnt respond to my dispute how then do I have that creditor deleted from my report?

    • profile image

      Laura 

      3 years ago

      I have a different question for Mr. Adams. I was the President at a corporation. In order to get a company card they make you sign as guarantor on the account even though it belongs to the corp. Everything on the card was purchased for the business or was a business expense that I was entitled to such as gas for the company car. I am no longer at that corporation. They have refused to pay the credit card. It has been reported to my credit. They are in possession of everything thing that was purchased with the card. What if anything can I do about this. It isn't right that I should be stuck with this 15,000 dollar debt.

    • profile image

      Kathleen brown 

      3 years ago

      Is this applicable to Canadians, or just US residents

    • profile image

      Emily 

      3 years ago

      This is one of the most helpful articles I've read about raising credit. Thank you!!

    • profile image

      Lissete 

      3 years ago

      What do I do to get a car repossession taken off my credit report? I was a co-signer for this car. It was financed in 2012 and last reported in 2013. The account status is closed as derogatory. The payment status shows collection/charge off and it was settled less than full balance. In 2013 I was told it would be removed after paying less than full balance but it was a bunch of crap. I tried calling this year and they thought I was crazy for even asking.

    • profile image

      Trina 

      3 years ago

      i sold a house 12 yrs ago and it almost went through foreclosure before I sold it, but it still shows up on my credit report and I don't own it and I have sent the 3credit companies proof and they still won't take it off. Now what do I do to get it off.

    • profile image

      Melissa 

      3 years ago

      The "pay in full" method did not work for me. I noticed when i do that my score drops. I was told to carry a balance that i can afford to pay down and that creditors really care about card utilization and good payment history but if I'm paying in full all the time I'm really not showing usage so they'll just report 0% utilization which will result in my score not budging at all or eventually decreasing. So with my 500 limit cc, i spent only 100. When I got the statement for 100 due, i paid more than the minimum, 50 or half of my bill. Experian reports a few days before the month ends so i logged on and saw my score jumped 20 points, 550 to 570. I know many dispute this method but it works for me.

    • profile image

      Kelly 

      3 years ago

      So it says that I can dispute the claim online through Equifax. Do I do it there or should I send a letter. If send a letter do you know the address I send it to?

    • profile image

      ChristinaSalazar 

      3 years ago

      Hello, couple questions...

      Will opening a secured credit card lower my score?

      I have a capital one credit card with a $1500 limit, it's maxed out. So I just work on paying that rather than opening the secured card.

      What's the best way to get a judgement paid / removed?

      Thanks!

    • profile image

      IMPORTANT INFO 

      4 years ago

      If you can catch the debt when it is sold to the other company, then the first collection agency HAS TO REMOVE IT. So if you pay the debt to the company that bought it, then they CANT report to your credit. I negotiated and paid the company that bought the debt and POOF, the first collection agency REMOVED IT because it wasn't there's to report anymore. THe new company couldn't report it to the credit bureau because it was paid :) My score went up 30 points because the ITEM WAS REMOVED!

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      4 years ago from Kuna, Idaho

      Some individuals have encountered a hard time, this is a method to break free for those individuals. Some folks do not have the finances to bring past debts down to a level that they can afford to handle. It is my desire to see people break free from the bondage that they might be held by. Thank you for your feedback.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      4 years ago from Kuna, Idaho

      It depends on the age of the debt. Almost always try to dispute this kind of debt.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      4 years ago from Kuna, Idaho

      It is not an easy battle to rebuild from rock bottom. I will not lie. I am glad to hear of your successes and I am sure that you're to find more soon. Keep up the good work, and stay strong. Thank you for your feedback.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      4 years ago from Kuna, Idaho

      You can relax a bit, and congratulations. I also would like to thank you for your feedback.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      4 years ago from Kuna, Idaho

      It certainly will improve, as long as you don't find yourself with outstanding debt somewhere else. It's always wise to pay above the minimum payment, and if possible, pay them off entirely. Hang in there.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      4 years ago from Kuna, Idaho

      Request a report from all three agencies. Some may include more history than another, and all three scores are likely to be different. Stick to your guns and you'll be sure to make it through.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      4 years ago from Kuna, Idaho

      I have to commend you for sticking through it. It just goes to show you that with a little perseverance and some commitment, you can accomplish your goals. Congratulations and thank you for your feedback.

    • profile image

      Asmara1234 

      4 years ago

      What a great guy and great advice!

      I am one of those whose credit hit rock bottom and I have no one to blame but myself. I have already implemented dome of your advice already before I read your blog ...like disputing dublicate accounts and also making settlement deals with collection agencies with changed off accounts. And also I got a $1000 secured credit card with capitalone and I am about to acquire another one from different bank. When I decided to get my past behind me and start rebuilding my credit my scores were 438 and 403 for Eq and TV respectively. After making settlement of all my delinquent accounts and have them closed and bring my over all balance yo zero and of course the capitalone secured cc, I saw my credit increase to 468 for EQ and 622 for TU. Here I couldn't understand why the huge difference between the two credit reporting offices.

      Now I am about to get 11000 dollar worth used car. With my terrible, credit i am bracing myself for high interest loan but I have to do it yo rebuild my credit. Soon, due to statue of limitation, two of my delinquent accounts will be purged from my report and I am anxiously waiting to see what the impact on my credit score will be..

      I will keep you posted on how my two secured credit cards and car loan will help me further improve my credit score to a decent level.

      Now I convinced myself that it took years to get my credit to reach yo such low and in three months I have got my things sorted out and now I am in the right track and I am sure in 12 months I am not be in excellent rating but I would hope I will be in high 600 and be able to purchase a house with decent interest rate...

      Mind you i destroyed my credit not because I was not capable of paying them but utter negligence and compulsive gambling habits. ..now I stop gambling for almost for 7 months. ..paid off 9000 debts that went to collection agencies. .

      I am sharing all these rather private and embarrassing personal stories to drive the idea that Yes we can change despite our current situation! With patience, I am confident that I will keep you posted with more positive news! If I can do it, so can you!!!!

    • mariaw1220 profile image

      mariaw1220 

      4 years ago

      Thank you! I intend to follow this plan to a T!!! After the 1yr mark, should we continue to spend on all 3 credit cards at least once a month? Or after our first year, can we relax a little bit. I am trying to rebuild mine and my husband's credit for no particular reason but to have a peace of mind, and possible own a home some day.

    • profile image

      kat 

      4 years ago

      My credit score is 547 .. I have 3 credit cards. All three are over the 50% usage.. If i pay all three cards will my credit score increase

    • profile image

      Alfa2014 

      4 years ago

      Hello Joshua, I feel like I find myself at the bottom of the pile! I am done feeling sorry for myself and ready to start your steps to a better score! I have a question, do I request a credit score from all three or which one would you suggest I get it from first?

    • profile image

      Misty Sue 

      4 years ago

      Hello. Thank you for this article. I'm really going to try this and see what I can do! I have a question though; if the debt is charged off through a collection agency, is this one we try to dispute and get removed or just mark it Hell No and leave it alone? Thanks again for your help!!!

    • ControlledChaos1 profile image

      Don 

      4 years ago from Tennessee

      Lots of people don't realize that paying their bills on time and paying down existing debt will increase their credit score over time.

    • profile image

      RB 

      5 years ago

      Joshua.....I just want to say THANK YOU for writing this article. I stumbled onto this 6 months ago when I checked my credit for the first time in years. It was rock bottom at 550!...Student loan debt (multiple 90, 120 day negatives), collections, medical bills, you name it I had it. Following your steps.......I've increased my avg.credit score by over 120 points in less than six months! (EQ: 655, TU: 675, EX: 690). I'm well on my way to reaching 750 in 12 months and I can't thank you enough for making this post! IT REALLY WORKED!! Thanks again!

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      5 years ago from Kuna, Idaho

      I'm truly glad to hear of your results. You do have to be responsible and stay on top of your credit. Thank you for the feedback.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      5 years ago from Kuna, Idaho

      These can be disputed through the credit reporting agency as I've outlined in this article.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      5 years ago from Kuna, Idaho

      I wouldn't call them. It would be wise to dispute it through the credit reporting agency(ies).

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      5 years ago from Kuna, Idaho

      Waiting it out is not really a good idea. It will be sold again and become a new debt. The best idea is to dispute the validity of the debt.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      5 years ago from Kuna, Idaho

      It becomes a new debt when purchased by a collection agency. You are left having to dispute these old debts.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      5 years ago from Kuna, Idaho

      Those charged off debts will show up indefinitely. They are sold off before any statute of limitations, This means that they become a new debt. By all means dispute them. Do whatever it takes. It is going to be a difficult battle, but you can hang in there. Try getting a prepaid credit card with a small monthly limit. Make sure that it reports on your credit.

    • Joshua M. Adams profile imageAUTHOR

      Joshua M. Adams 

      5 years ago from Kuna, Idaho

      The steps outlined here do apply to you. Keep your head up. Part of this is a waiting game. It is easy to be discouraged. Using your card in small amounts and paying it off each month will speed up the process. To really bring your score up, to over 750, you will almost have to be in a lease that is paid on time. The other option would be a large purchase that is current. I hope this helps. Hang in there.

      -Joshua

    • profile image

      Ryan R 

      5 years ago

      Just wanted to say im at the Secure card step and I've gone up from 559 to 621 from Feb till now paying debts and having them fall or get removed from my credit report. You honestly showed me the way and I cannot THANK YOU enough for it! This method truly works, if your responsible.

    • profile image

      Mr. Celo 

      5 years ago

      how can i remove purchased by another lender from m y credit report ?

    • profile image

      MR ACE 

      5 years ago

      Saw this In Oct of 2013 Whent from a 520 to 670 and still going. I've done everything but write in the letters to the agencies. That will be my next step.

    • profile image

      pa 

      5 years ago

      I have a question. I've paid some of my debts. some are chargeoff- if I call them- will they take it off?

    • profile image

      Mary 

      5 years ago

      i would love to know the answer to ArtCard question about - my situation is similar. question about a charge off - what to do with this? its with a collection agency - wait it out? should i still try to dispute and what would be my reasons? it is fairly recent so i have 6 years left.

    • Troyangeluk profile image

      Troyangeluk 

      5 years ago from UK

      Great Hub i fount this to be very clear and easy to understand, keep up the good work.

    • profile image

      Sixstring 

      5 years ago

      I have a question about a Creditor? Well see back in 2004 i had a Capital One card that i missed a few payments then it turned into a charge off so i ended up just forgetting it. 2012 I checked my credit report & from the Credit card it said it will be removed in 2014 i was like cool couple years and it will be removed 12/2013 i checked my credit report to see if it was still going to be removed well guess what they changed the date to 2015 i mean how can a creditor change a date if its no longer their's it wen't to a Collection after another.

    • profile image

      ArtCard 

      5 years ago

      Hi Mr. Adams,

      First, great advice!

      So my situation is all of my stuff are all "hell no's". Unfortunately, I can't pay them and it's been about 2 years. They're in a charged off status and have been sold to numerous collections agencies. So the debts show charged off and the collection agencies are reporting too. My question is can I at least dispute the charged off to be removed from the credit report? As far as the reason for disputing, can I get in trouble in any way for disputing for the incorrect reason? Also how the hell do you stop these collection agencies from running the credit score? Also how long will they keep selling the account to other collection agencies? Thanks

    • Isabelle Saspa profile image

      Isabelle Saspa 

      6 years ago

      Hey there Josh, I'm currently a college student with a credit score of 630. I need your advice on how I could bring that up to about 750-800 since I'm planning to apply for an apartment in NYC and it's really competitive. I haven't taken out any student loans yet and I have a credit card (with Chase freedom) that has a $500 limit. I haven't taken on any Hell No debt but I noticed that my credit score hasn't moved in 2 years.. I have made some late payments in the past and got my credit checked out by a bunch of car dealerships(I was shopping around for a car and I didn't know that that was bad for my credit). But a couple of months ago I did start doing this thing where I pay 80%-90% of my debt every month on time. Should I just keep doing that? Is there any way that I could get to my goal in 6-8 months? And do the steps you mentioned in this article apply to me, too?

      Isabel

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    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
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    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
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