how can I reestablished my credit? within a short period of time?
80890
Not sure how short you are looking for but first thing you need to do is give more details (have you gone through bankruptcy, collection accounts, no credit..) \nIf you have just recently gone through bankrupcy then I would suggest getting a very low limit credit card www.capitalone.com - where I got mine... Just start using it as a gas card, or buy clothes and take your time paying them off.. Like a couple months.. Never EVER be late on a payment and always pay over the minuim amount due (payment). Second, dont be late on any bills. Creditors look at this as well. Have you got a copy of your credit report lately? You should if you haven't so you can see what you are up against. If you have not filed for bankrupcy then you need to see what you have in collections and also get all your debt paid down.
799898
Analyze credit \n\nlook: http://www.expert-credit-advice.com/request_analysis.htm
49869
The best things you can do are re-establish and re-affirm.  Meaning, no more late payments or going over balances from now on.\n\nMake sure you don't have too many credit cards with high available balances.  There really isn't much need to keep more than 4.  Keep the two oldest cards you have (long account history is a good thing), and then keep the one with the best rate.  (If you *must* keep a forth, just pick one).\n\nMake sure your balances owed are less than 40%'ish of the balance.  If your card has a $10,000 limit, try to keep your balance under $4,000.\n\nIf you are over the balance on any cards, rectify that as soon as possible.\n\nIf you are rebuilding from square one, you two best bets for a fresh start are local jewelry or furniture stores that carry their own paper (handle their own credit accounts), and secured credit cards.\n\nLots of small or local jewelry/furniture stores can offer small credit accounts.  Only use this if you are buying something that you have the cash to pay for (ie: a toaster, a chair, etc).  Establish a credit account, and pay off the balance as soon s you get the bill.   *Do not close the account*.  Letting it stay open with no negative activity is a good thing, especially for new beginners.\n\nSecured credit cards are low limit credit cards offered by most financial institutions, where you give the bank a deposit of x, and they give you a credit card with a limit equal to (or in some cases, slightly higher) than your deposit.  IE: You give them $500 on deposit, they give you a credit card with a $500 limit.  As time goes on, (and your credit improves) you may get a higher limit, or they may offer to convert your card and give you your deposit back.  Secured accounts aren't treated any different than regular credit accounts.\n\nPolicing your spending habits (don't buy things you can't pay for), making your payments on time, and letting time take its course will help rebuild your credit.
335845
Since we do not know why the credit rating is low, here are a few tips to assist in getting your credit score up. \n1) If you have any charge-offs and judgments against you, you need to pay those items off. Once you have done that, you need to request a letter of satisfaction. You will want to hold onto this letter for at least 7 years, just in case they fail to update your file as paid.\n2) If your current credit card balances are 50% more than your credit limit, pay down the balance to 50% and continue to pay the minimum monthly payment.\n3) You need to have 4 active trade lines in most cases that have a history of more than 12 months. So cutting up and closing your accounts might harm your over all credit recovery. \n4) If you do not have credit, your going to need to establish credit by obtaining secured credit cards. Even though your interest rate will be crazy high, we're not trying to consolidate your bills to reduce your monthly debt obligations. Establish at least 4 secured cards and utilize only 50% of the credit allowance. \n\nUnfortunately you not going to be able to get a high credit score fast, however these steps can help you in correcting your credit and re-establish your credi profile. Hope this helps..
439422
The only credit card you will be able to get is a SECURED VISA or MASTERCARD. You will have to deposit about 500.00 in a savings account tied to that card. The card will have a 500.00 credit limit. YOU NEED to do this to start re-establishing credit. Handle the card very wisely...as in leave it at home. Purchase only a few things with it, make very regular payments monthly, NEVER be late with payment, and you will start to rebuild your credit....it will take a long time, but you must start now if you are ever to have a decent credit rating again. YOu need to learn to handle money...many of us have been where you are at...your credit can be fixed over time, but only if you set your mind to it and spend money wisely. This stuff does NOT grow on trees, and you cannot declare bankruptcy again...at least for a very long time. Think about what you did wrong to put you in this place and do just the opposite from now on...a lesson learned early in life will benefit you for all your years...perhaps it is a good thing, after all. Good Luck.
246222
I think right away.  I just had a dispute with one of the items on my credit report and they got the ball rolling right away and within 30 days it was resolved.  If you have further questions either ask your local finacial adviser or go to annualcreditreport.com.
272294
I assume you mean your BK was discharged 1-1/2 years ago.\n\nThe previous answer concerning waiting 2 years after BK only apply to FHA mortgages, which may or may not work for your situation.\n\nWhat steps have you taken to "fix" or "clean up" your credit?\nWhat have you done to "rebuild" your credit?\n\nDo you know your FICO credit scores?\n\nIf you don't you should go to www.myfico.com/12 and spend the $45.00 and get your real FICO scores(the ones lenders use), that will also give you the top 4 reasons why your credit scores aren't higher, which will give you a game plan to increase your scores.\n\nIf you want more specfic suggestions for your situation feel free to contact me at creditguru@earthlink.net
654212
If you have bad or poor credits and want to re-establish your credit, these are the special cards for you such as USA Gold Shopping Card, USA Gold Optimum, or Orchard Bank MasterCard. Since you credit history is bad or poor, you will be only given a small credit line. And you might have to pay a higher interest rate than that of regular credit cards. But if you are determined to get your credit back to good standing, apply for one of those credit cards and always make the minimum monthly payment, or even better - pay off the balance every month. Your credit lender will be willing to low the interest rate and increase your credit line gradually. \n\nIf you still can't get approved for these special credit cards for bad credit, try pre-paid credit cards - These Prepaid Card does not extend you credit. Instead, accounts are prepaid for a specific amount and accounts are only good for the balance you have loaded/applied. They work pretty much like a debit card but entitle you to some benefits of a credit card.
728122
Yes you can it you find someone to help you with your credit.  Go to this web page that can help you.\nwww.fdirep.com/runningover click on the video
530267
get a lawyer fast before he ruins your credit
568633
Here are 3 websites that will discuss your credit rating and how to improve it.  Some things can be done quickly, others take time.  Good luck!
793943
Contact the major credit bereaus. They can provide you tools to correct it without involving the law.
185128
check your credit report and dispute whatever you can on it.  if credit companies cant prove you owe this amount or if the report is past 7 years, then they have to remove it.  experian is the easiest to dispute online...i wiped out 13/24 debts from my report just by challenging them online within 6 weeks!!  it'll take some time and a bit of effort, but not as hard as i thought, and definately worth it!
115478
This is what I did, I went to my bank and gave them $250.00 and they gave me a secured credit card. You cannot tell by looking at them that is what they are. I would use it one month and pay it off the next, after about 6 months they gave me back my money and now I have a credit card through them. Since then I applied for a QVC card and was accepted with no questions, plus I took out a small loan $500.00 and through paying these things on time I have managed to start rebuilding my credit. Good Luck
1174066
Ok follow these instructions to the "T" this will restore credit nicely.  this information comes to you as a free no obligated gift from me as I was in the same predicament.\n   I  presume that you have endured the bankruptcy 7 year not credit allowed. sometimes that wait can be up to 10 years if you just stand by and do nothing about expediting the process.\n  \n1) sell an item or two, your goal is to come up with at least $600.00. or the more the better(fees &other).\n2) go to a bank(one that you have not done any prior business with and a national bank if possible.\n3) be sure you have all the criteria a bank needs to set up an account IE: ssn, id, at least a part-time job. birth  cert?\n4) deposit 500.00 into a savings acount.\n5) then have that $500.. as secuity because you will be taking out a personnal loan with in the amount of 500.00. You will not need a co-signsor(or at least i did't) as the money you just deposited is their security. their will be a hold by the bank on these funds.\n6) with the $500.00 you recieved as a loan. wait a few days and then go to another bank and use the same instructions. and if they ask if you have other accounts you can now say yes.\n  Do the above with at least three banks,each time you do this you will have in each bank $500.00. along with that you will be lugging this 500.00 around. \n7) ok now you have established 3 accounts. Please read the following importantly:\n hang unto the $500.00 and make the minimum monthly payment on each(recommended), this is ok as the goal here is to regain your credability here . keep track of all transactions.\n8) when your obligations have been fulfilled you now have credit along with $500.00 in each account.$1500.00!\n9) be sure to keep up on all those watchdog master credit rating burous.\n10) And their you go..You now have 3 lines of credit. i have helped\nother people out with the same succsess. be digilant and do not get back into the predicament that got you here in the first place.  \n  Your welcome           bchristo@tds.net
117557
try Consumer Credit Counseling Service of North America. It's a United Way program.
92232
There's no logical or legal reason to need credit instantly.  It sounds like you're in trouble.  Better to solve your problem than compound it.