Question
Are there places to council you on fixing and repairing your credit that are non profit ?
I would like to sit with someone and have them review my credit reports and give me advice on how to improve my credit score. I went to a credit counseling place and they just wanted money. Would like to buy a home soon. Is there anywhere I can go ?
1 month ago - 4 answers
Best Answer
Chosen by Asker
Every place will want money, even a nonprofit expects a donation. That is their job. You can fix your own credit. Get your free credit report annualcreditreport ... At the library take out a book there are many on fixing your credit Dave Ramsey is a great author. Check his site and Suze Orman online. You pay off your old debts, You dispute the ones you can. Then you use your current credit wisely by paying on time either in full or at least triple the minimum payments. You need to show you are not living pay check to pay check. Boost your savings.
by sassy25
1 month ago
Asker's Rating: 
Other Answers
Get a book on debt and credit repair at your libary or bookstore. Get your reports totally free from annualcreditrepair.com Get a book - become smart - get your dream house. You can do all this yourself with a good book. If you have outstanding credit card balances - pay them off. Carrying balances destroys your credit scores. Use your card wisely. Charge a little something and pay it in full when the bill comes in. /
by Judy- 1 month ago
Unfortunately most businesses that promise to fix and repair your credit are going to want money and most are pure scam. Here's some good info from the FTC on credit repair: www ... If you are planning to buy a home, you need to settle any derogatory items showing on your credit report. Mortgage lenders will insist these all be resolved before approving a mortgage. You can negotiate settlements for old debt -- the older the debt, the smaller the settlement. Be sure to get any settlement agreement in writing and do not give the collector access to your bank account. Best thing you can do to improve your score is first, pay off all current credit card balances -- it will help your score and your debt to income ratio. Second, pay all your bills on time. You need at least a 24 month history of consistent, on time payment to improve your score. Also, you need a 20% downpayment and closing costs to buy a house.
by bdancer222- 1 month ago
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-free.totalh.com
by Jerry- 1 month ago