How do I fix my credit?

When I turned 18 a few years ago, I got one credit card with a $200 limit. I didn't expect for things to start going so awry, but they did. Over the next few years and up to now, I've had multiple evictions, numerous utility bills, 2 credit cards, a bunch of medical stuff and God knows what else.



I know as of right now the only thing in good standing is my car loan (in which I had a co-signer) but other than that my debt and my credit is outrageous.



I'm still stuck in the same old rutt, I don't make a lot of money to pay it off all at once and don't even know how to make arrangements to get it paid off. I just know that when I'm 30 and done with school, I'd like to be able to buy a house and be ';normal'; lol. I don't want bad credit anymore - it's really that terrible.



What do I do to start digging myself out?How do I fix my credit?
First, cut your plastic cards. Now.



That would liberate you, at least, from the temptation of using it again in shopping or whatever thing you use it for.



Second, look at your current financial sources. How much do you earn and how much do you expect to earn?



Next, look at the amount of your credit. And how does it compare vis-a-vis your bank account? If the former exceeds the latter, then now is the time for you to cut your expenses.



Don't go to gimmicks. Don't buy things which you do not plan to use. Don't buy expensive clothes, or don't buy clothes at all -- you have so much in your closet already -- who cares if you wear the same pair of jeans next week (doesn't make you a lesser person, right?)?



Use your car when you only need it to, and instead, ride the public transpo system...that would help you save money and settle your credits.



Don't go to the salon anymore. You are beautiful already.



Don't buy expensive vanity stuff (lotion, perfume, etc.) when there are cheaper ones of the same quality.



Don't go to the casino or dine in fancy restaurants. Just cook simple food which would make you feel full.



Find a better job which would award you a credit card chargeable to the company....that's hard, but it would greatly help you a lot.



And most importantly, exercise....run or jog at least twice a week at a nearby park or somewhere. Nothing makes a person happier than being healthy and having the right dose of hormones (endorphins). Prayer would also help you strengthen your psyche in facing your daily challenges. If you are happy with your life, then you would not anymore crave for things and be in such a tight financial situation you are into right now.How do I fix my credit?
pay your bills on time and live within your means
I feel u...

In order to get anything for the better, you're going to have to take the approach to fixing it...

Hit Me up on yahoo (spectacular_nate)

i can explain a lot more

ive been thru what you're goign thru %26amp; Im 19 lol
there are many ways to dispute erroneous info online through the 3major bureaus or you can write them letters.



you need to start out at annualcreditreport to view a current credit report file. one by one look for mistakes to help you dispute these accounts. it's easier to dispute online than to send letters. sending letters can take longer to review for the agencies than it takes the online disputes
start by cutting up your credit cards...make a list of all outgoing money...subtract that from all incoming money...do you have a surplus? If you so, then I can show you to get outa debt fast. by the way, list all outgoing money, starbucks,atm machine...etc.
I recommend credit repair unless you have lots of time and a high tolerance for aggravation. Some things are better left to the professionals. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters攖his is the key?.people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.

carry a guitar

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