Don't really know where to start, what to do...

[JW1021]

Typical story, young with bad credit.

My husband and I are trying to pull ourselves out of a bad financial situation...Well, for the most part, we have. We have been able to make payments on time for close to a year now, and we are seeing our balances drop.



I have a charge off on my account, from 2005 or 2006 I think, and my husband has a paid one from 2006 or 2007.


We have a car that is giving us issues left and right, would like to get something different, as well as finding a different place to live.


So the question. What are the steps we need to take to begin credit repair? Is it worth it to contact professionals? Do I only dispute information on my report that I know is not correct?


Is it reasonable to think I or a professional could get these charge off's removed?

Should I pay my charge off, off? Or does that "reset the clock"?

[GettingBetter]

Read, read, read and then read some more. When your done, and feel like you can do it, follow the steps outlined, keep yourself organized and give it a go. There is no reason to pay someone to do something you can do for a bit of your time and postage money. Plus it is a wonderful learning experience! I have raised 2 of my scores over 100 points in about 45 days, and all I paid for was postage. In my experience if they can put it on your credit report there is a way to take it off. Good luck!

[jjgross]

You can fix most of it and the rest you can have a company do the rest have patience it will take some time good luck

[JW1021]

Thanks for the encouragement

[JPolito830]

Originally Posted by jjgross

You can fix most of it and the rest you can have a company do the rest have patience it will take some time good luck

What do you think is a typical time frame we are talking about here?

[jjgross]

Originally Posted by JPolito830

What do you think is a typical time frame we are talking about here?

Well i had had 6 in one month however i would say 4 to 12 months more towards 12 everyone is different so some less but you have to go through each creditor line by line,i don't want to offend anyone but there are many mistake's made spelling etc.so you have to have patience to correct these.