MY CREDIT SCORE IS AWFUL PLEASE HELP!!!

Anonymous · ‎09-20-2007

Hey! I knew that my credit score was going to be bad because I was really stupid in college but now I am trying to work on this whole credit issue! Does anyone have any advice as to where to begin?? I don't have a lot of money so it's not like I can just start paying them off! Any advice???

Also, I am in dyer need of a car! What are my options if I have such poor credit?

MidnightVoice · ‎09-20-2007

Start with

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

Credit scoring 101

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

Anonymous · ‎09-20-2007

Please provide more information. What is causing you to have bad credit?

Anonymous · ‎09-20-2007

OK! So, I looked at my credit and this is what I see....

Credit Score : 569

I have a lot of unpaid doctor bills where I thought I was on my dad's insurance and I wasn't and never realized it until they showed on my bill. I also have 2 school loans on there that I am in the process of paying off. I have a few judgements against me, which I know kills my credit rating! I have paid them all of them except one, but I am paying on that one now!

Anonymous · ‎09-20-2007

First where did you get your credit score, unless it was from this website it was probably a FAKO. Second, if you think any of the information is inaccurate or duplicated on your credit report start disputing with the CRA's. If at all possible I would contact the doctors offices directly and see if they let you deal directly with them. I only say this because doctors offices seem to be more understanding then collection agencies. If you deal with the doctors office you may be able to get them to stop the collection activity. If not write PFD letters to the collection agency's offering a settlement of what you can afford.