How can I improve my credit that I messed up with unpaid magazine subscriptions?
451345
The problem with simply paying off the debt does not remove the negative report from your credit history.  They may show the debt paid, but it will still reflect late payments, or that it went to collections.\n\nIf you choose to go this route, be sure to get IN WRITING a letter stating that they will remove this debt from your history BEFORE you pay a dime to them!  \n\nHere is a better suggestion.\n\nSend the creditor a demand to VALIDATE your debt.  That means they must send you copies of you contract, bills, receipts, and anything that can prove you have a legal obligation to pay this debt.  \n\nIf they do not respond back in 30 days, send a copy of this letter to the credit reporting agency, along with a demand to remove the entry due to lack of validation.  They must remove the entry or risk a lawsuit for violation of the Fair Credit Reporting Act.\n\nBe sure to send all letters by certified mail, so you have proof they were sent and received.  Otherwise you have no proof to show the judge if you go to court.\n\n\nMany of these magazine companies don't even keep your contracts on file, and it will be impossible for them to prove your debt.  Rather then spend a lot of manpower searching for these records, they will simply opt to remove the listing.
224192
5 steps to better credit\n\nCorrect blatant mistakes. Your credit score is only as good as what shows up in your credit report. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan. Changing a mistake on your report - such as a payment that is wrongly labeled as late -- can take 30 days to three months, sometimes longer.\n\nPay your bills on time. This is always a good practice, and it's especially critical that you make prompt payments close to the time you need a loan. That's because a late or missed payment in the last few months is likely to lower your score much more than an isolated late payment five years ago.\n\nReduce your credit card balances. A heavily weighted factor in your FICO score is how much money you owe on your credit cards relative to your total credit limit. Generally, it's good to keep your balances at or below 25 percent of your credit card limit, said Jeanne Kelly, founder of The Kelly Group in Brookfield, Conn., which helps clients improve their credit scores.\n\n\n--------------------------------------------------------------------------------\nTry CNN/Money's new Debt Reduction Planner for help wiping out credit-card balances.\n\n\n--------------------------------------------------------------------------------\n\n\nPay off debt rather than moving it around. Since the ratio of your credit card balance to your credit limit is key, closing out an account and transferring the balance simply means you increase that ratio, which is likely to lower your score. In other words, say you owe a total of $2,000 on four credit cards, each of which has a $2,000 limit. Your total credit limit is $8,000, of which your total balance ($2,000) accounts for 25 percent. If you transfer all your balances to two cards and cancel the other two, your total credit limit is reduced to $4,000, and your $2,000 balance now accounts for 50 percent of that limit.\n\n    \n \n\nDon't close unused credit card accounts near loan time. If you have several credit card accounts but are only using a few of them, you'll only raise your balance-to-limit ratio if you close the unused ones. You also shouldn't open new accounts when applying for a loan if possible. If you have a short credit history or very few accounts, opening a new credit line may lower your score since you don't have a proven track record, said Jan Davis, an executive vice president at TransUnion. What's more, a new account will lower the average age of your accounts, another factor in your FICO score.
266917
They have a help link at the bottom of the home page.  If it is just the magazine subscription you want to change, there should be a page in the magazine with publisher information.
787622
borrow it from someone or take a credit card advance
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.
559890
I would search on there name on the internet too see if anyone has posted having any problems.  You can also check with your state attorney general to see if there on the up and up.\n\nThe BBB is ok but if they are members of the BBB and pay there dues they let some pretty lousy companies get away with bad practices way longer then they should.\n\nIf you are trying to repair your credit have you gotten a copy of your credit report from one of the 3 reporting agencies?  Alot of times they have programs to help you learn what effects your credit and give advice on clearing it up.
933526
Use letter #3 http://www.expert-credit-advice.com/free_credit_repair.htm
208534
I'm going to assume you have unpaid debts that went to collection.  Start by going to your creditors, and giving them a plan to have the money you owe them paid back.  Then stick to that plan like your life depends on it.  Once repaid, they'll clear your name, and report your debts paid to the credit bureau.  \n\nAll the while you do this, keep all payments up to date.  Now this is going to take some time, but the number one and two things lenders look for with people who had previously bad credit are your resolve to pay your uncollected bills, and your resolve to have learned from your mistakes, and keep all payments up-to-date.  Good luck!
521413
Start by getting a free credit report from each of the three credit bureaus. There is now a federal requirement that they offer US consumers one free repeort per year.  Don't get the combined reports.  If you do you will have used your 1 free annual report and will not have all the info you need to correct the errors that you find. You will want to pay the small additional fee to get your FICO score from each, it should cost about an additonal $5 if you find the right options on the website. Be aware that they offer many other options most of which primarily cost you more money, but give little benefit.\n\nRead over each report carefully.  Errors are very common. Ask them to investigate and remove each error. Correct even errors such as wrong addresses, and update address and employment information, they reflect on your stability and do have an effect on the decisions that lenders make. They have 30 days to investigate and respond.  If they are not able to correct something that you know is a mistake, then you start calling an writing the lender directly to the business  to get the problem solved.\n\nYou now know exactly where your credit rating stands.This gives you your starting point for your 1 year project of \nimproving your credit. \nIf you are over extended, and have gotten into a habit of living above your means this is the time to change the habits for a good cause!\nMake a careful tight minimum budget. Figure out the minimum amount you can get by one for living expenses each month. Then dedicate the remaining funds (the total amount left over in your budget after paying necessary expenses)toward paying of debt and clearing up credit. \n\nEliminate all unnecessary bills (cancel cable,and any other unnecessary expenses) Examine your bills, are there options you can eliminate? If you have trouble keeping up with all the little payments like many of us do, you can use a free bill paying service like www.mycheckfree.com or a bill paying service from your bank like the one offered by Washington Mutual www.wamu.com.  If you are managing a tight budget there can be advantages to using a service that is separate from your bank, in order to schedule the payments in advance and before the(hopefully direct deposited) funds are in your account each pay period. Make or schedule to each payment to arrive in advance of the due date and pay at least the minimum plus one dollar on each and every account.  Then determine which of your debts has the highest interest rate. List them in order of the highest rate to lowest rate down a sheet of paper in you bill payment / credit improvement folder. After you have made sure that every account has at least its minimum payment plus 1 dollar paid each month, then calculate how much money is left over at this point.  Apply all of this money toward the account with the highest credit rate first.If this pays that account in full and leaves you any money left over, continue down teh list applying the maximum amount to each account as you go down the page. Always paying off the highest interst rate accounts first.\n\nSet up a folder where you put all bills, and staple a sheet of paper to the folder. list all of your payments, thier due dates and the minimum due in columns down the sheet.  Each month when you make your payments record it in writing on this sheept along with any additional notes that you may find useful. Take all your credit cards but one out of your wallet, leave them  in a safe box at home.  Do not purchase anything on credit for the year of the project. Keep the one card for real emergencies. A shoe store sale with shoes to die for is not a real emergency! \n\nDo not apply for any new credit during this year. None. not even asking for a new cell phone company quote or insurance quote, if they will do a credit check.  They probably will.\n\nDo not close any accounts, especially if there have been problems. When you close an account you also close off the possibility of improving
654857
log onto the site www.annualcreditreport.com.  Check your credit report (you may have already done this).  Dispute that account on your credit report.  This is all you have to do!  The credit bureaus will then contact that source (AMER COL CN) and they have to prove that you once owed that debt.  If they cannot prove it or if the company cannot be located (this happens ALOT-sometimes I don't think the companies even check into it to verify the debt-they just don't respond to the credit bureau) or if they do not respond within 30 days to the credit bureau, your collection is removed.  This would boost your score lots of points!  Don't go crazy trying to locate that wireless company, do this first!  I have seen many collections deleted this way, including a medical collection of mine.  It is really easy, too!
887159
Contact the magazine's publisher.  Sometimes they will have overrun archives that you can buy old issues from.
814380
Talk to your attorney or pull your credit. It depends on if it has been discharged yet.
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.
147290
Step 1.  Obtain copies of all 3 credit reports.\n\nStep 2.  Review the information on those reports carefully and dispute any inaccurate information.\n\nStep 3.  If you have credit cards with high balances, pay the down NOT completely.  Having credit card with a "0" balance is not good....they refer to it as "under-utilization of credit."\n\nStep 4.  If you don't have a savings account, open one and apply for a signature loan with the bank using the savings account as collateral.\n\nStep 5.  Pay this loan early.....not right away......if you choose a 12 month payback, pay it off in 6-8 months.\n\nStep 6.  Repeat step 5\n\nStep 7.  Do NOT apply for credit of any kind during this process, inquiries will cost you 2-6 points for each one.\n\nStep 8.  Do pay everything on time or better and monitor your credit report quarterly to ensure that everyone is reporting accurately.\n\nFollow these steps and your score will increase signifigantly.....not the fastest way, but the ONLY way to guarentee yourself improvement.\n\nGood luck and take care
1020972
check your credit report to make sure everything you filed was removed and\nthe only thing it should say is chapter 7\ndischarged. And then make sure you pay all\nbills on time at least 6 months in a row before\ntrying to get credit.
40270
To legally improve your credit profile, you should: \n\nRemember to pay all your bills on time. When you are delayed or delinquent in a payment, late fees are charged, more interest accrues and your credit health is negatively affected. \nApply for a department store card or gasoline credit card, which are often easier to qualify for, and pay those bills on time. \nContact your card issuer immediately if you were unable to pay your bills on time, or if you have found an error in a bill. Be sure to make any complaints, and get corrections, in writing. \nMaintain a small number of credit cards and close unused accounts. Creditors look at your potential for going on a spending spree and falling too deeply into debt. The more credit cards you have, the larger your debt potential. \nKeep your debts reasonable. Financial experts say that, as a rule, non-mortgage debt payments should not exceed 10 to 15 percent of your take-home pay each month. If your debts are higher than that, try to reduce them before applying for another loan. \nAvoid unnecessary inquiries. Any time you authorize a creditor or other business to check your credit report, an inquiry is added to your report. If you have a large number of inquiries in a short amount of time, creditors may infer that you are either applying for too much credit because of financial difficulties or taking on more debt than you can repay. \nOrder a copy of your credit report at least once a year from each of the three credit reporting companies to stay on top of changes to your credit profile and to check for identity theft.
763544
Credit repair services are a hoax.  Avoid them.\n\nCredit counseling services, however, aren't about your FICO, but about debt reduction. Some of these have a bad reputation, too, so only use them as a last resort and read all of the fine print.\n\nThe only way to improve your credit is to start rebuilding it over time. Get a low-fee secured credit card. Pay it off monthly, and let time heal your credit.