Bad Credit Agency

spending fast yesterday - stopped by bad credit today?

my credit is a mess - i opened different accounts when i was of the legal age - but i fell in sum financal hardship and couldn't payoff my credit card and cell phone - i even got a repo - my life was down hill :( but now im 24 and would like to repair my credit - i tried to apply for an auto loan - i was accepted my a couple of places but at an outrageous price for the car and APR - i feel lost and frustrated!!!!! can someone help me please beautifulsomer

Public Comments

1. Have you gotten all 3 of your major credit reports and looked them over line by line? Do you know your credit score? Before applying for something like a car loan start small and work your way back to a decent credit rating.
2. There is no magic cure for bad credit. If you still have outstanding debt--pay it off. After that, all you can do pay on time and wait. In the meanwhile, if you want to use credit you're going to have pay high interest rates until you've shown you can be responsible. Try saving enough money to pay cash for a used car. That would be the smart thing to do.
3. freecreditreport.com....find out exactly how bad/good is your 3 credit scores..and if really no one is willing to lend you the money you might just have to stick it out and get the car on the high % apr...and pay off on time EVERY TIME!!! by the end of your car note .. your credit should be up don't spend money you don't have by buying with credit freeze or cut all your credit cards...use cash only don't buy anything you don't need due to compulse
4. I am a Business major and I know a lot of people who has been in your position. The first thing you should do is try to pay off your debts, then talk to a bank counselor to see how is your credit report. Then buy a car, but honestly dont apply for a loan withouth contacting a credit or banker counselor.