Before you can start repairing your credit, you have to know what you need to repair. Your credit report will contain all the information you need to start repairing your credit. Access & monitor your report with Step 1.
Monitor your score with a service like MyFico, Click Here, and click on the "FICO Scores & Credit Reports" Tab, then click the "Track It" option (it's the $9.95 a month option), this will help you watch your score every month so you know how your score is doing while you are fixing it.
Now that you've seen your credit report, we need to block other creditors from accessing your credit and doing any more damage. Use the service in step 2 to lock up your credit.
Protect your credit, when old collections companies see when you apply for credit and can also re pull your credit report without authorization. This is why collections keep coming back after many years. A good solution is to lock your credit so no one else can pull your score without your permission using LifeLock, Click Here
On the page click the the "Protect Your Identity" button on the home page (near the middle), then select the LifeLock® $9.00 Monthly option on the right hand column. Once you've completed this, now lets start to rebuild, with step 3.
Rebuild your score, with a secured credit card, we recommend opening a VISA, Click Here Fill out the quick application, fund your secured credit card with a security deposit of as little as $300. After you open this and maintain a good payment history, it will help improve your score quickly, the Myfico report you used to track you score will let you watch your scores go up.
Build MORE credit with a secured credit loan (similar to a cash advance) and make timely payments, we recommend this loan company, Click Here
Similar to the secured credit card, use this loan simply to show a proper payment history for a couple of months, this will also help bring your score back up so that we can get you approved for a home loan.
Reduce Unwanted offers. "Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers." Click Here
To reduce MORE unwanted telemarketing calls, email, and mail, Click Here
Get back in touch with us after all of the above steps have been completed or if you have any ANY questions, CONTACT US.