Bad Credit Help!

Go to daveramsey.com. My hubby and I are currently on his program. There is tons of advice and useful documents. He is great.

File chapter seven bankruptcy you can get all of your bills paid and it is off your record in seven years.we went bankrupt (with chapter seven) and within 4 years have recently bought a very nice vehicle and a new home.its not as bad as a lot of people might tell you.get a consultation with an attorney and let him explain it to you.that would be the best thing to do to get the second chance you need.good luck.

i would suggest going to see a financial counselor. i think that the DHS office might have some connections with that. I'm a single mom too and was left in the same mess. they had a financial counselor at my job and i visited with them, they taught me alot about how to minimize down to what i really "needed" and "couldn't live without for the kiddos". check with your work, they might have someone that can help you with that. also you can try to talk to some of the billing companies and ask them if they can help you get your interest frozen so that you don't have to pay finance charges on top of your payments.

I am really sorry to hear that. Buy Jean Chatzky's book "Pay it Down". It will give you a step by step plan or you can go on the Dave Ramsey website...daveramsey.com

Hi, I am just giving you some freindly advice that was give to me. Go to www.myfreecreditreport.com and get your credit report, then write to all three creditors desputing the bad items that are on your credit report and also ask them to remove anything over seven years. I used to work for Transunion. Some items may be on there in error. Because I know it is easy to do. All you do is type information on people credit report.

Lola

I would not go with a credit counseling agency as a first option. These can actually make things worse. I would call a local lender who you trust and ask them to pull your credit and give you advice. This should only cost you the fee of a pulled credit and may actually be offered free. Do you own a home? Who closed your loan? If you do not own a home then you might want to ask the lender what you would need to do to get approved for one. Also, if you are in divorce proceedings or considering divorce which it sounds like you need to...check out this site: http://www.divorceinfo.com/dssm.htm and http://www.divorceinfo.com/moneyissues.htm. If you are not on WIC then you need to apply ASAP!

Have you tried to get onto WIC?
That could free up some money from foods to put on other bills.
G.

First take care of the four walls: food, shelter, transportation, utilities and clothing...next worry about debts... pay what you can when you can...and see if they can work with you on getting caught up...www.daveramsey.com has great advice

I understand that you want a better credit score and you may need to buy things on credit...but you can survive just fine without fixing it...worry about what you can do...what you need to take care of the most is your family unit, your needs.
I racked up a bunch of debt then discovered I couldn't work because my son has a disability and the daycares kept kicking him out...I really didn't have any other choice and my credit is bad now but the creditors can't do much to you. Life goes on. Keep your chin up.

I'm no expert but I would suggest making regular payments on all debts. No matter how small the payments, as long they are regular it will show good faith effort. It will take time to fix your credit score but I think regular payments do help. Maybe contact those companies that are owed and let them know your situation and your intentions to make good on your debt. I work for a college and we tell students who are no longer enrolled to make regular payments no matter how small to keep their account from going to collection. Hope this helps.

I would recommend reading books by Dave Ramsey and Todd Coontz. They have good advice that's helping me to get control of my debt too. Good luck.

Take care of your daily needs, but if it's something the you need and your credit history won't let you then I would call a local credit consulting agency to her you get on track.