Can you fix bad credit in ways other than getting new credit and making on time payments?

I see where you can ';purchase'; programs in which you can gain 100 points on your credit score in 30 days. Is this just a scam, or are their programs that really help restore credit quicker than just building it in the normal fashion?Can you fix bad credit in ways other than getting new credit and making on time payments?
scamCan you fix bad credit in ways other than getting new credit and making on time payments?
there is no such thing as a quick credit cure. if you developed bad credit it's going to take a lot of effort on your part to convince credit rating companies that you have improved.
bogus.





To fix yoru credit, pay bills on time, live within yoru means, and only use charge cards in emergencies. Pay cash for most everything (or check, or debit)





You may also consider adding a bit of an explanation to your credit report. Say if ';so and so hospital'; says you are late, you could add a short statemnt saying you were still ill an unable to pay bills on time then, or whatever. Wont' affect your score, though.
That's a scam.





Things You Can Do To Build Good Credit:





*Make all payments on time. (Actually, most cards give you a grace period, especially if you pay them in full. Don't count on it, though.)





*Build positive credit, but not too much. (Don't have more than 3 or 4 cards. Preferably don't have a line of credit more than 10% of your annual income, if possible.)





*If you have old infractions on a card, do not close it until you have held it in good standing for at LEAST a year. Preferably three years or more.





*If you have infractions with a company, they can remove the mark on your credit. If you have paid it off or started making regular payments, feel free to write them a letter, tell them your sob story, etc. It might not get you anywhere, but sometimes, they'll be nice. You never know until you try!





Good luck with your credit score. Like most things, there is no quick fix, though.
My mom bought me a book by a man called Benjamin Dover (that really is his name, I am not jokeing)


It gives a lot of REALLY good advice we ALL should know about the world of credit. It is not a complicated book, it is made for regular folks like us. The info in it will be of value for your entire life.


I had to buy a replacement copy because mine was always lent out.





He has a website


WWW.BENDOVER.COM


I really suggest it to EVERYONE.





Watch out for the weird programs you see advertised. I have seen a lot of people on the SUZE ORMAN show that made things WORSE by trying those Shyster companies.


Good Luck!!!!
becareful buying those programs


get a mortgage broker or a financial consultant to help you get going in the right direction they will charge about 50 bucks go over the credit report from all 3 major agencys then you can take their advice from there. Just did all of this and I am already up 4 points in 3 months
I HAD SOME CREDIT PROBLEMS IN THE 80'S AND USED A SERVICE CALL EQUIFAX CREDIT REPAIR HERE IN RALEIGH , THEY WERE ABLE TO GET ALL THE NEGATIVE STUFF REMOVED FROM MY CREDIT REPORT AND THEN I WAS ABLE TO START FRESH TO ESTABLISH NEW CREDIT WITH A POSITIVE SCORE .
yeah PAY YOUR BILLS ON TIME