creditnewbie9 0 Posted December 29, 2020 Report Share Posted December 29, 2020 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 Quote Link to post Share on other sites
admin 896 Posted December 30, 2020 Report Share Posted December 30, 2020 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. Quote Link to post Share on other sites
creditnewbie9 0 Posted January 2 Author Report Share Posted January 2 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? Quote Link to post Share on other sites
admin 896 Posted January 3 Report Share Posted January 3 @creditnewbie9 Dispute the late pays. What kind of late pays do you have? How old are they? Quote Link to post Share on other sites
creditnewbie9 0 Posted January 13 Author Report Share Posted January 13 On 1/3/2021 at 5:55 AM, admin said: @creditnewbie9 Dispute the late pays. What kind of late pays do you have? How old are they? 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? Quote Link to post Share on other sites
BV80 2,797 Posted January 13 Report Share Posted January 13 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. Quote Link to post Share on other sites
admin 896 Posted January 15 Report Share Posted January 15 On 1/13/2021 at 12:06 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? https://www.creditinfocenter.com/repair/repair.shtml Quote Link to post Share on other sites
