I need help really bad credit

[Anonymous]

Ive run into a lot of issues with my credit through the years.  Im facing 2 foreclosures and a short sale right now and my credit has dropped to 427.  I need advise on how to get started over and how to help my score the best i can.  I am working on getting all past due accounts paid since its only about 8,000. Any help would be gratefully app. Thank you so much

[Anonymous]

Can you give us specifics on exactly what you're looking for? Your post was kind of broad.

[Schoolbuskid]

You first need to let us know more about your credit! Such as collections/chargeoffs whether they are paid or unpaid, if you have multiple late payements etc.

If you can i would suggest trying to get a secured credit card because credit cards are the fastest way to get a score up. If you are overdrawn in debt them i suggest you contacting all of your creditors and making payment arrangements with them. Most important thing is to have somewhere to live so if you can get a hold on your mortgages!

But we really need to know more about your credit picture! Then the experts will chime in! Good Luck!