ARE THEIR PLACES THAT GIVE PEOPLE LOANS TO FIX THEIR BAD CREDIT?I need help with my bad credit where doistart?

I AM 23 AND I HAVE HOrriBBLE CREDIT BUT THE CHANRGES EQUAL LESS THEN 5000 ALL TOGETHER-ITS STOPPED ME FROM REDNTING NICER HOUSES/BUYING A HOME I DONT HAVE ONE CREDIT CARD OR BANk ACCOUNT AND ITS STARTING TO AFFECT EVERYTHING I LIVE IN CALIFORNIA DOES ANYONE KNOW IF THEIR IS SOMEWHERE I CAN GO TO HELP ME ORGANIZE MY BILLS AND PAY THEM?HOW ARE PEOPLE DOING THIS I WANT TO GET MY CREDIT BACK IN CONTROL!PLEASE HELP ME!!!ARE THEIR PLACES THAT GIVE PEOPLE LOANS TO FIX THEIR BAD CREDIT?I need help with my bad credit where doistart?
If you plan on paying back the five grand, best place to go is a non profit group called Consumer Credit Counseling or CCCS. They call each of the creditors and negotiate a smaller payoff than you currently owe. For the creditors, it's better than nothing. You will send CCCS a monthly check and they take care of paying each creditor until you pay it in full. During this time, you agree not to borrow any additional money until debts are paid.



Contrary to what most people say, you don't need to open up more debt in credit cards to establish credit. If you currently work, ask your employer if they belong to a credit union. These ';banks'; are generally easier to deal with than regular commercial banks and open a checking or savings account. Talk to one of the loan officers and tell them your current situation. Build a relationship with them for any future needs.



To offset the poor credit history, make sure you have at least one year of no late payments with your rent or mortgage and have the same job for at least one year.



Lastly, you really need to ask yourself how you got yourself into this situation and truly change your spending habits and please don't file bankruptcy on the five thousand. It's not worth it. Best of luck to you.ARE THEIR PLACES THAT GIVE PEOPLE LOANS TO FIX THEIR BAD CREDIT?I need help with my bad credit where doistart?
You need to contact a credit counselor. Taking out a loan to fix your credit (especially since they equal less than 5000$) would probably not be the best solution. Many times, your bills can be consolidated into one low payment to help you get back on your feet faster.

Try reading this...it will help you understand credit counseling and why going to it can be a big step on your way to financial stability!

http://www.ftc.gov/bcp/conline/pubs/cred



Good luck!
It really depends on your timetable and how much you are willing to pay. Check out the source website and their free evauation form. They offer credit repair programs from $20 to $2500. Good luck.