by Graham Ballantyne

Question by nici s: Fixing credit?
What is a good company to go through when trying to fix your credit rating? Alot of companies only deal with credit card debt not other financial areas. I live on a tight budget so it would be hard to pay off everything at once. Is there a place that consolidates all bills into one monthly payment?

Best answer:

Answer by James H
There is a lot of good info on this subject right here.

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Question by Magdalen Albritton: I am in problem fixing bad credit score. How can I fix bad credit score?
I am in problem fixing bad credit score. How can I fix bad credit score?
I am in a problem fixing my bad credit. I have no clear idea about fixing bad credit. Any body please help me telling, how to fix bad credit?

Best answer:

Answer by Srini
Once a friend suggested
1. pay your mobile bills on time
2. take a credit card with very low credit limit (say 0) and keep paying dues in time.
3. maintain some cash balance in your current account if you can.
4. pay your council taxes and bills on time.

More details here http://www.thisismoney.co.uk/credit-rating

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by TrinityCreditServices

Question by Malorie Claypool: I am in a problem fixing credit score. How can I fix credit score?
I am in a problem fixing credit score. How can I fix credit score?
I have been trying to fix my credit score for the last two week. But I have no clear idea, how to fix it. Please help me, how I can fix credit score?

Best answer:

Answer by Renny76
I’ve also been trying to improve my credit score. I’m learning that it takes awhile to improve a credit score but it can be done. Your credit score is based on several things such as: the total number of accounts you have, what type of accounts, any occurring late payment fees, outstanding debts, filing bankruptcy and age of accounts. Often creditors take into consideration whether or not you own your home and if you’re currently employed, and length of employment. Creditors then take all of these factors and combine them together using a credit scoring system to come up with your credit score.

You can improve your credit score by always making your payments on time, or before the due date, if possible. Work on paying off any outstanding debt. Pay down credit cards and never exceed your credit limits. Don’t apply for more credit cards until you pay off the ones you currently use. Ideally, it’s best to have no more than two credit card accounts. Usually excessive credit card balances and overdue accounts seem to be the two most common negative factors when it comes to a low credit score. Hope that helps!

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