Ask me how to fix your credit (free advice, not an ad)
Just a backstory. When I was 18 I got a dell account with a 2k limit, and no verifiable income. Of course that meant I got a laptop and lcd monitor =/ I never made a single payment. Same thing goes for my cell phone I had back then, and the phone I got for a friend on the same account. These mistakes (and I do regret them, they were not worth the hassle) drove my credit down to about 563 (lowest I know of, could have been lower). All in all I had about 5 legitmate charge offs on my credit report. Within 60 days (and no formal training) I got my credit score up to about 723, and all my delinquent accounts OFF my record, without ever spending a dime on settlements OR paying for credit counceling.
Just to pay it forward for all the people who helped me online for free, I am offering up free advice to anyone who wants it. I do not do this for a living, and all advice is FREE, as well as for infomation purposes only , and is NOT legal advice.
With that being said, post your credit situation here (or pm if you need it) and I will point you in the right direction to getting it fixed. An ideal post here would include:
Credit Score (freecreditreport.com is great for this)
Number of Bad accounts (delinquent, charge offs, etc)
Size of debt per account
I need NO personal information (and I prefer you dont provide me with it).
So there you go, ask away, look forward to helping someone else out. I am not asking for ANYTHING for this, so please dont think I am posting an ad.
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