creditnewbie9

Do I have the correct steps to fix my credit the fastest way possible?

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Hello Guys,

I am trying to find out the steps to fix my credit, I have no bankruptcies only 

-3 Max out credit cards total of around $6,000

-21 hard inquiries 

 

I really want to fix it but all these credit repair guys charge like $1,500 to $2,000

 

So far I have the following steps

-Clean negatives any hard inquiries (I still dont know where to get the letters and how to send them in) 

-Apply primary lines

-Pay down credit cards to at least 30%

-Add tradelines 

 

 

Please reorganize if anything of this is wrong

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On 12/29/2020 at 12:47 AM, creditnewbie9 said:

Hello Guys,

I am trying to find out the steps to fix my credit, I have no bankruptcies only 

-3 Max out credit cards total of around $6,000

-21 hard inquiries 

 

I really want to fix it but all these credit repair guys charge like $1,500 to $2,000

 

So far I have the following steps

-Clean negatives any hard inquiries (I still dont know where to get the letters and how to send them in) 

-Apply primary lines

-Pay down credit cards to at least 30%

-Add tradelines 

 

 

Please reorganize if anything of this is wrong

@creditnewbie9   Do you have any late pays?  Or is it just maxed out credit cards?  You're going to get a big boost just paying the cards down to 30%.  What is your credit score?  There's not too much you can do about hard inquiries, but you can write a letter to the credit bureuas saying you never applied for the cards.  21 inquiries is alot, but the good news is that they fall off after 2 years.  

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On 12/30/2020 at 1:15 PM, admin said:

@creditnewbie9   Do you have any late pays?  Or is it just maxed out credit cards?  You're going to get a big boost just paying the cards down to 30%.  What is your credit score?  There's not too much you can do about hard inquiries, but you can write a letter to the credit bureuas saying you never applied for the cards.  21 inquiries is alot, but the good news is that they fall off after 2 years.  

 

 

What  about the late payments ? I do have a few late payments? 

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On 1/13/2021 at 2:06 AM, creditnewbie9 said:

What are the steps of disputing them ? Where do I get the letters from and who do I know who to send them to ? How do I know they will be take off my record? 

If the late payments are accurate, and the creditor verifies the accuracy with the credit reporting agencies, they will not be removed. 

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