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Old 12-09-2007, 12:58 PM
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Default My credit is beyond repair. How do I start over?

My credit is beyond repair. How do I start all over?

(I have Repos and foreclosures). I don't want to file bankruptcy! Is there a way I can wipe out everything clean?
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Old 12-09-2007, 01:56 PM
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The long and short of it is.....You can't repair it fast but you CAN repair it!

It takes time and paying everything ON TIME from now on. Look over your credit file and file disputes if there are errors. It doesn't hurt to dispute and you never know...they might take something off! I am speaking from experience on that one. Just need to take the time to fill out the forms. You can do it online with some of the agencies but even if you have to mail in the forms it is worth it!
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Old 12-28-2007, 04:17 PM
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You can't really "start over" because you can't legally start a new credit file.

There is no way to "wipe everything clean" either besides bankruptcy which is one of the worst things you can have on your credit report.

However, you can start to repair and rebuild your credit.

Check out the following pages:

How to Remove Repossessions from Your Credit Report

How to Remove Foreclosures from Your Credit Report
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