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The Watercooler
Apartment search continues and I'm getting nervous.
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<blockquote data-quote="GoingNorth" data-source="post: 583523" data-attributes="member: 1963"><p>CB,</p><p></p><p>If you haven't done so yet, pull your credit reports from all three credit reporting agencies. It is possible for them to make mistakes and you have the right to correct those. The loans you didn't pay off, let alone pay in a timely matter are a big black mark. You can't get those off your credit report, but you can submit letters of explanation as to why you didn't pay them off which might help a little.</p><p></p><p>If you don't have credit cards, try to see if you qualify for a secured credit card. That is where you put down a deposit that equals the line of credit you want to have.</p><p></p><p>I re-established my credit using a secured MasterCard. Once I paid my bills in full monthly for a year and a half, I was able to qualify for credit cards with decent interest rates. </p><p></p><p>As soon as a qaulified and had decent credit again, I closed the secured account and got my deposit refunded.</p><p></p><p>Doing that takes time you don't have, but I advise it as a future plan. If you are turned down for a job or rental due to bad credit, you have the right to pull your credit reports for free.</p><p></p><p>Avoid the various 'free credit scores' emails and advertisements that you see. Those will give you a free credit score if you sign up with their service for a year.</p></blockquote><p></p>
[QUOTE="GoingNorth, post: 583523, member: 1963"] CB, If you haven't done so yet, pull your credit reports from all three credit reporting agencies. It is possible for them to make mistakes and you have the right to correct those. The loans you didn't pay off, let alone pay in a timely matter are a big black mark. You can't get those off your credit report, but you can submit letters of explanation as to why you didn't pay them off which might help a little. If you don't have credit cards, try to see if you qualify for a secured credit card. That is where you put down a deposit that equals the line of credit you want to have. I re-established my credit using a secured MasterCard. Once I paid my bills in full monthly for a year and a half, I was able to qualify for credit cards with decent interest rates. As soon as a qaulified and had decent credit again, I closed the secured account and got my deposit refunded. Doing that takes time you don't have, but I advise it as a future plan. If you are turned down for a job or rental due to bad credit, you have the right to pull your credit reports for free. Avoid the various 'free credit scores' emails and advertisements that you see. Those will give you a free credit score if you sign up with their service for a year. [/QUOTE]
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Apartment search continues and I'm getting nervous.
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