09-10-2009 08:52 AM - edited 09-10-2009 09:21 AM
I want to improve my credit, and I'm not sure what to do. I have 7 CCs (I know way to many) 3 of which are under GEMB, 1Macys Visa, and the revolving; City Furniture,and 1 Citi/Sears, 2 unpaid collections (1 of which is only $227.00 ((not sure from who CR does not say, and the other is from an old apt that I had to break lease on $2,099.00. No car loans; I hope to buy a home in the next 1.5-2 years."
Waiting patiently for all advice.
09-10-2009 12:41 PM
I'm certainly no expert, but have had some success with my process. First, READ,READ, and when your eyes start burning, READ some more on this site. It helps get a plan in order.
I started with my most damaging TLs. My collections. I chose to GW the CA first. For me, it was a success.
Since yours are unpaid, I would try PFDs. baby steps...while you're waiting on that, keep reading. Everyone's experiences offer much info.
Work on paying down your CCs as much as possible (down to <10%) also.