Improving credit and a question

[lightingbird]

What is the name of your state? Missouri

Hello again,

I have two general questions regarding credit.

Recently, I was told there is a way for lawyers to go into someones credit file and get removed any items that have been sold. In other words, say you owe XYZ $500 for a camera credit advance. They went out of business and now AAA credit bought debt and now have them listed on your credit. I have heard of some way lawyers can remove these types of items from your credit. Is this true?

Also, what are some real good ways to improve a persons credit to get over a 650 rating. Legal ways that can help a person improve when say they are under 500. I was told basic things like getting small loans from a bank, not applying for any type of credit for a year, or paying for all past due loans and not doing any slow pays.

Again, thanks.

 

[Ladynred]

Recently, I was told there is a way for lawyers to go into someones credit file and get removed any items that have been sold.

Pure fairytale. No one can go into your credit file and do such a thing.

what are some real good ways to improve a persons credit to get over a 650 rating.

Pay your bills in full and on time every month for starters.
Dispute anything that's inaccurate on your reports.
If you have credit cards, pay your balances down.

Paying off old debts will generally NOT raise your credit score, but some creditors may see it as a positive that you have no outstanding old debts.

Lots more in-depth info can be found at www.creditinfocenter.com

 

[lightingbird]

Thanks for the information.

 

[>Charlotte<]

Hi, I also have a question, I need to repair my credit and was thinking about hiring *********. Can anyone give me more information about them. Thank you!!

Jim

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