I have about 12 negative items on my credit. 9 of them are totally paid off and have been since 2000-2001. They are all medical related. The other 3 negative accounts are judgements that have been paid and are also medical. How do I get these back to good standing? Or off of my credit report. I do not have any credit cards. I can't get a credit card to improve my credit. How do I legally improve my credit, if I can't raise my score, because I can't get the paid negative accounts off and I can't get new credit to show that I pay my bills on time now.
Have you tried getting a sub-prime credit card? You need to have CC's to show a recently good payment history. First, as I did, try getting a Chevron rebuilder credit card and pay in full each month and keep balance below 1-9%.
I don't exactly know what a sub-prime credit card is. I have been afraid to apply for too credit cards and get declined. I don't want anymore negative marks on my credit, it is already poor. Thank you for the advise, anything else you would like to add would be appreciated.
I bought my credit report & scores last night, I got all three credit reports, and thought I was getting all 3 scores, however I only got Equifax, which is 584. I had previously gotten Experian, which is 564. Do you have any suggestions for cards, with scores this bad?