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credit repair!!!!!!!!!!?

hello,im 22 years old and i'm in debt. not the kinda debt that you see on commercials,but im almost in $1200.00 in debt,and it's on my credit report.if i take my time to pay the debt in full,will it be taken off my credit report? i cant get a credit card,when i try to apply for 1.i'am not buyin a house nor a car no time school.i dont need a loan.besides it's not like im in $5000-$10,000 in debt.i need help in this situation,i dont know what to do.and yes i ckecked my credit report and it wont let me check it again.

Public Comments

  1. The only way that you can get items removed from your report is by negotiating a "pay to delete", which is a payment in exchange for removing it from your report. I posted some links below that explains it more in detail. One thing I can tell you is that if you go that route, you would have to have the money upfront ready to pay. Paying it out over time reduces your chances of getting it removed.
  2. Work more. Get another job. Get a better job. Stop spending money you don't have. Live on a budget. $1200 in debt shouldn't be a crisis if you have control over your own life. Now that I think of it, $1200 should be within the capacity of your emergency fund! Take back control!
  3. You can dispute the negative lines on your credit report. You print out a dispute form out and mail it in. If you need one I've posted one on my credit repair site.
  4. Another vote for Dave Ramsey. Go to http://www.daveramsey.com and listen to his radio show. He has lots of great advice on money and debt. It doesn't cost a dime to listen. He saved my a$$. totally changed the way i look at money and debt. Cash really is King!
  5. A good credit score is a vital asset for your financial present and future. To a large extent, your credit standing determines what opportunities are open to you, especially as it concerns finances. Therefore, the importance of building a good credit rating cannot be over emphasized. 'It's a thing you really can take to the bank'.There are several steps you must follow and some rules you will have to adhere to if you sincerely want a good credit standing. However, after establishing your credit<!--worthiness, you will find that it was worth the stress.Another strong point you can make while building good credit is a solid income history. Maintaining a good record with banks and other creditors will also go a long way in portraying you as credit worthy. Visit the site to know more on how to build a credit. http://best-loans.awardspace.com/repaircredit.htm http://credit-cards.awardspace.com/ To build good credit, it is also useful to get national or local retailer's card. It is always easy to win credit from retailers and once you have established a good track record with a retailer, you could use the reference to boost your credit and also to secure additional credit from others. You will find it quite easy to establish a good record with-->retailers and will also be pleasantly surprised at the positive influence it can have on your credit rating.Just like repairing bad credit, building a good credit rating requires time and a lot of financial discipline, but in the end, you will be proud of what you have achieved.
  6. Hi, I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News special edition.Check it out here: http://shortlinks.co.uk/4cl
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