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What is the name of your state?What is the name of your state?What is the name of your state? PA
I have gotten myself into a real mess. Due to my company downsizing and my position being eliminated and taking a $12,000/year paycut and also being off of work for 2 months on medical leave, I have gotten myself into a real mess and now I have bad credit. I've been late on credit cards (never the car or the Mortgage - thank God!) I have paid utilities late and credit cards late. Things have ended up in collections, but they've never been charged off and I've never had a judgement filed against me. I haven't seen my credit report, but I know that I have things showing as being 30, 90, 120 and more days past due. I have receintly taken a personal loan to pay off credit cards and there's about $1000 in other debt that I need to clear up before I get myself back on track and on a budget that I can handle.
I see these advertisements about fixing your credit legally - can this be done? If not, does anyone have any advice for me to clean up the damage that I have done?
What is considered a good fica score? How do you raise your fica score?
I 've been told that it's easy to mess up your credit and almost impossible to clean it up. Is it true that once you're in trouble, you're in trouble forever? HELP???
I have gotten myself into a real mess. Due to my company downsizing and my position being eliminated and taking a $12,000/year paycut and also being off of work for 2 months on medical leave, I have gotten myself into a real mess and now I have bad credit. I've been late on credit cards (never the car or the Mortgage - thank God!) I have paid utilities late and credit cards late. Things have ended up in collections, but they've never been charged off and I've never had a judgement filed against me. I haven't seen my credit report, but I know that I have things showing as being 30, 90, 120 and more days past due. I have receintly taken a personal loan to pay off credit cards and there's about $1000 in other debt that I need to clear up before I get myself back on track and on a budget that I can handle.
I see these advertisements about fixing your credit legally - can this be done? If not, does anyone have any advice for me to clean up the damage that I have done?
What is considered a good fica score? How do you raise your fica score?
I 've been told that it's easy to mess up your credit and almost impossible to clean it up. Is it true that once you're in trouble, you're in trouble forever? HELP???