I've had Capital one and a First Premiere Credit card and have not been able to pay either off. My capital one is gone off of my credit report but I still have the other credit card balance on there. I am coming into a good amount of money and I want to fix my credit but I don't know what should be the main things to fix to at least raise my credit score. I want to buy my first home and get a good rate on it because of my credit but I don't really know how to go about doing so. I don't know if I will be able to pay everything on the report off like I want to because of other purchases I have to make like new home, buying a car and etc. I also have repo's on my credit for cars. Do I have to make sure smaller credit issues like verizon and comcast have to be off my credit report as well as the larger problems to raise my credit score?
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"majors@oskie.com" / to Live Human Being / show details / 8:13 am (0 minutes ago)
sounds like your a mess
the credit cards happen alot
What really looks bad is utitlities not paid on your report and repos meaning more than one.
whew.
Repos will take most credit opportunities away from you and collections for utilities show no stablity at all. How can someone be loan monies if they can not even pay utilities.
Most bad credit comes from lack of money or job problems so don't give up. We all have slick spots.
Pay the utitlities and try to repopen the same accounts and after 1 - 2 years call and beg them to remove the past lates.

You might dispute the repos and hope they fall off.

NEVER use capital one and pay them off for sure.

Go to my website to get the dispute form and start new credit form.

I would use some of my monies to pre pay on a credit card to get it opened with bad credit and try to get some good going, so the old bad looks just like that. OLD.