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Bummed bad credit

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RogerGates
New Visitor

Bummed bad credit

Just Checking my credit for first time in a long time now its pretty low. however i have a little bit of cash to pay off little bit of debt but then i dont know where to go from that in terms of increasing my score. just need some advice 

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Creditwiser
Valued Contributor

Re: Bummed bad credit


@RogerGates wrote:

Just Checking my credit for first time in a long time now its pretty low. however i have a little bit of cash to pay off little bit of debt but then i dont know where to go from that in terms of increasing my score. just need some advice 


For starters you've definitely come to the right place. Welcome to the Forum.  It would help if you gave some more details about types of accounts, ball park balances, Utilization on these accounts, negative reporting on your Credit Reports , if any , such as creditor and /or collection agency.  Give us something to gauge and you'll receive tons of good, solid advice on here.

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Message 2 of 4
FireMedic1
Community Leader
Mega Contributor

Re: Bummed bad credit

Welcome to the forums @RogerGates 

If you could list out your accounts:

Creditor Name/Credit Line/Balance/APR/Lates or Charge Offs

 

Then we can come up with a plan to get your credit in better health.



BK Free Aug25
Message 3 of 4
SouthJamaica
Mega Contributor

Re: Bummed bad credit


@RogerGates wrote:

Just Checking my credit for first time in a long time now its pretty low. however i have a little bit of cash to pay off little bit of debt but then i dont know where to go from that in terms of increasing my score. just need some advice 


Welcome to the forum.

 

Like @FireMedic1 and @Creditwiser say, if you draw us a picture of where you are now, and let us know how much money you will have to throw at it, we can give you a plan for getting the most bang for the buck.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




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