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Clean Up My Credit in 3-6 months?

I would like to purchase a house for $ 35 000 but my credit card sucks. My FICO score is 452 and I owe perhaps a total of $ 3000 with interest included. Most of the debt is about 2-3 years old. I know I can negotiate and get off the interest. I would prefer a step-by-step instructions, so I clean up my credit card and raise my score in the next 3-6 Monts so I'll be able to buy a house. Are there any good books, free credit repair sites, advice from personal experience, etc., to guide me in the right direction?

Only Over time heals your credit problems, and if you then your score is 452, it will take much longer than 3-6 months … sorry. Your best bet is to pay back all non credit card debt as the best chance of them completely from your credit report. Charged-off/defaulted credit card debt on your credit report for 7 years left … even if you pay the Debt when full. These may include complete removal of non-credit card debt as the failed cell, medical, utility bills, etc. from your credit report with a Pay for Delete negotiate agreement. This is a written agreement where a signed agreement from the debt collector (before any payment), where they offer to the negative To remove items from your credit files after an agreed amount to be paid. You will not want to do this …. all they want your money and their commission, and they could not care less about your credit history …. However, you have something they want (money) and that puts you in a position to negotiate on this issue. Sample Letter: I am ready to resolve this problem, if your company sends me a written agreement that you remove all negative notations from my credit report after the agreed amount paid to you. Upon receipt of this letter I will mail a USPS money order for that amount. ——————– If you failed all your debt is credit card debt … then it is tricky and pay back-pay off credit card debt does not really help your credit rating. Renewing contact with debt collectors on old depreciation can stir up more trouble than it's worth. – Avoid the temptation to pay a "credit repair" companies, because they can remove accurate negative Info. If you already paid last defaults, depreciation, was late, then you need to understand these concepts are of course on the age of your credit report. – Pay attention taken not more defaults / late pays … Every new standard or> 2 months late on payments to a whole new cycle of bad credit, the last at least two years begins. – Pull your credit report and check for errors ….. annualcreditreport.com is the real free site to check your credit file for free once a year. https: / / www.annualcreditreport.com/ NOT freecreditreport.com –

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