Is there a way to clean your credit, or get a new credit file?
93959
There are ways to clean your credit.  First things first though.  You want to make a plan to start paying down/off your debt.  Once you have the plan, and start working it, you can dispute things on your credit.  Sometimes companies report failure to pay incorrectly.  There are companies out there who can help you fight those part of your credit report.  You can also do it yourself, but in my opinion, its better to leave that kind of stuff to experts.
219115
Sorry to say there are no "magic bullets" you can use to quickly fix your credit score.\n\nFirst step is to understand exactly how your credit score is put together.  Go to www.myfido.com and readup!  These are the folks who wrote and licensed the scoring system used by the credit agencies.\n\nNext, you need to start cleaning up your credit report.  You can get a free copy from www.annualcreditreport.com.\n\nNow you gotta fix it by removing negative entries, deleting inaccurate information, and challenging records that may be old and outdated.\n\nBelow is my "warchest" of informational sites that will instruct you how to go about it.  It also contains some sample letters to send to credit agencies, creditors, and (if necessary) government agencies.\n\nIf you need any help, advice, or encouragement contact me. I've helped a lot of people do this.
988618
Best bet is to order a credit report. This way not only do you get information about the old credit card account you are able to get an up to date account of your entire credit history.\n\nHere is some information on how to get your credit report:\n\nQ: How do I order my free report?\n\nA: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.\n\nTo order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.\n\nYou may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.\n\nA Warning About “Imposter” Websites\nOnly one website is authorized to fill orders for the free annual credit report you are entitled to under law – annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.\n\nSome “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.\n\nannualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.\n\nQ: What information do I need to provide to get my free report?\n\nA: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.\n\nQ: How long does it take to get my report after I order it?\n\nA: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.\n\nWhether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting comp
1175781
The only way I know of is to get a co-signor on a loan, and re-establish your credit from there. See if your bank will work with you on a small credit-reestablishing loan as well. Most banks will, especially if you tell them your circumstances.
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
989716
http://www.repair-your-credit.jims-info.com/
391711
Go to the credit reporting company that has the disputed item(s).  They will have a link that says something to the effect of "something not right on your report? Click here to find out how to fix it" or dispute credit report here.  They will provide a form that you fill out and send to the reporting agency.  Or you could call the credit reporting agency and dispute it over the phone.  It's faster through the phone.  I am sure they also have an e-mail feature, also.  I know Equifax, Experian and Transunion are the three biggest agencies.
925216
That’s great that you atempted to repair your credit yourself before you decided to pay someone. \n\nNow that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a “Fresh Start” they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam. \n\nStill very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn’t charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that’s fine with me, because they followed through on what they said.     \n\nSomething very important….. The bad debts that you say you owe; you need to pay them off. I don’t care if you settle them or pay them in full, eventually you need to pay them off because if you don’t, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!! \n\nOh yeah, here is the link to them http://www.expert-credit-advice.com/credit_repair_service.htm
750487
If you fell that you gave that information out, you can contact the three credit reporting agency's and add a fraud alert to your file.  With this in place, they will have to make contact with you to verify that you applied for any new credit.
998414
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc). You can get your first set free on an annual basis at annualcreditreport.com.\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
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.
939898
call any of the credit reporting companies.  they will put it on your file at no cost.
270865
Normally I recommend that you do not mess with credit repair services if you can help it. Many are a scam.  They charge you hundred of dollars to do stuff that you can do yourself.\n\nYour case appears to be a little more complex.  You need instant relief (which I seriously doubt you will get).  Not only do you need to work with your current creditors, you would want to work with the mortgage company.  They seem to be very unreasonable about their demands to clean up your credit report.\n\nYou may need the help of a trained negotiator.  I don't know your current income situation so I can't be of much more help here.\n\nRead the links below and decide what you would like to do.\nGood luck.
933526
Use letter #3 http://www.expert-credit-advice.com/free_credit_repair.htm
696019
Try calling all three credit bureaus to find out what is going on, maybe they can help. They may have you write a letter disputing these items anyway.\nEquifax: 1-866-798-6598\nExperian: 1-800-734-4617\nTransUnion: 1-800-888-4213\nGood luck to you!
1130393
Creating a new credit file? Your credit file is constant and ongoing.
91250
Just apply for something that requires them to run your credit report.  Especially if you are denied credit the credit company that supplied that inforomation has to supply you a free copy of your credit report.