rebuild my credit

I got a copy of my report and started making calls. I have 12 negative items and 22 positive. You would think the 22 good items would give me a better score, but apparently not. This might take awhile! 6 months ago

Okay, so I got my credit scores and they are not great…I’d like to be in the “good” to Very good area. And right now I’m in the fair…and poor areas. Uh oh. Anyways, to start off I’m going to get my credit card started and start charging something to it every month and pay it off immediately. Make all of my payments on time. Also I have 2 accounts that are not paid off, and that is where my money will go immediately. Sigh. Wish me luck! And please if you have any suggestions let me know:) 6 months ago

If anyone knows how to improve credit and tips would be welcome:) All I know is that I have a bad one… 6 months ago

Totaled my car earlier this month, and needed to take out a car loan. Qualified for $30k (which I did NOT take!) at an awesome interest rate – and learned my credit score was much improved from 2007 when it hovered in the low 500s. It did take almost four years, but being diligent with payments and wise with my spending – and maintaining a budget! – has paid off. :) 9 months ago