I Have A Credit Score Of 425 And Am On Disability, How Can I Get My Score Up?


2 Answers

tina whitney Profile
tina whitney answered
I worked in collection for over 20 years, the only way you can fix your credit is to pay off all those charge off and I know that won't be easy on social security and remember this when you pay your electric or telephone bill or cable that goes on your credit report, maybe you can call a consumer credit council and how that works is they take your total income and divide it up in low payments to each creditor after your house bills are paid, for example, if your house payments or rent, your electric telephone is the most important bills that come first, now say if you have 500 dollars left over, small amounts would be paid to each creditor and most times they can lower or eliminate interest the process is a 2 to 5 year plan depending on how much debt you owe .Good luck.
Franklin Houser Profile
Franklin Houser , moons, answered

To follow the due process, it would atje you about 2 years to reach that, depending on the method you want to use.

You could make us of trade lines

you could also reach out to a family member who has an high credit score to add you to their age old credit card with a zero balance, but that would on increase your credit score by 80 points.

You can also reach me on my profile for more personal requests, if you would like to increase your score through my personal methods.

The process is really straightforward. All outstanding debts and charges will be marked as paid and cleared on all credit bureaus as well as the institutions owed.

This is a server function and will take 5 days as it's incredibly hectic.

We will run some penetration testing first before gaining access to the databases and clearing the discrepancies.

However, this will not be the end of it. Your maxed out cards will have to be fixed about twice or thrice also to boost the score before the final upgrade.

If you by chance, not have cards it would be a whole different process. And future conversations would be made concerning that.

The reason we don't just go straight to upgrading the score is cos the info is updated daily on the credit servers as well the institutions owed and if one side is marked as paid and the other still says that you owe, that will be a problem.

For more personal requests kindly reach out to me.

[email protected]

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