Rebuilding Your Credit

[bikeraz2000]

Hello To All:

First time poster so please be gentle.

About 6 months ago I went from 688 now to 580.

Pulled the report and found some small collections 

1. Account under ($99 for doctor)

1. Account for ($250 for doctor)

However I now have a closed account with paypal.  I signed up for auto pay on Paypals site and made regular payaments.  Apparrently the last two months before it was close had a balance of $15.00.  I paid the $14.00 but they won't let me pay the $1.00 since the account is closed due to slow pay.

What can I do to have this fixed.  Would it help if I plead with Paypal services?  We are not talking about the debit account but the credit account that I was given at $700.00

I'm thinkin about paying for a credit repair service ($600.00), but I want to see if I can work on some of this myself.

[ralbusta]

Run far away from any so called credit repair agency. They can't do anything you can't do yourself for free. All they will do is take your money and your credit will be in the same or probably worse position then now.

Just put your specific account info out here and people will help you through the process.

It'll take time but you can do it. I was at a 423 two years ago with no available credit. Now I have 11 accounts and am near 700!

Read the hippa thread for those doctor bills. I don't quite understand the paypal problem though.

Good luck and stay away from those guys!