Credit Repair..............Help!!!!!

[Christina1982]

Ok when I was 18 I made a mistake of maxing out cards owing companies money. Well now I am paying for it and wish I would have listened to my mom when she said dont mess up your credit. Well anyhow I am on the road of repairing. I have requested the reports from the major bureaus. I found some items to dispute. Some where people where using my identity. This is the first time I ever viewed my credit report in my life. I have some from a school because I didnt return the school books. Is there a way I can return the school books and be removed from the system. So that I dont have to pay them 1500 for the books. What are some quick ways of boosting my credit score. I wanna eventually get it right and open a line of credit and start my business So that my fam is set. I really had my mind set on trading in my car after I pay it off for a newer model. But my second mind is also saying stick with this car and use my income tax money to pay off my debts and start making negotiations. I spoke with my mom and my brother they said get a new car. But that is easy for them to say. Thieir credit scores are between 735-750. Help!

[RaiderMommy]

Oct. 12, 2008 at 5:46 PM

Well you are on the right road by ordering your reports and disputing. I also think sticking with your car and using your tax return to pay off debts is a wise thing. Plus with the credit crunch going on its making it very hard to get a car loan even with good credit. There is no quick way per se to boost your credit. If you have any credit cards now pay them on time. As far as the books I would call them to see if they will take the books back and remove or at the least reduce your balance just for the penalties or what not. HTH