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CARDS TO REESTABLISH CREDIT(VISA,MC) WITH LIKE $300 LIMIT. I HAVE A TON OF OLD PHONE BILLS, OLD SIGNATURE LOANS, CHARGE OFFS FROM 2 BANKS, AND MEDICAL BILLS. YEA IVE REALLY ABUSED MY CREDIT. IM EXPECTING $5000 IF I USE THAT TO PAY OFF SOME THINGS ON MY CREDIT REPORT WILL IT RAISE MY SCORE DRASTICALLY new-york ONLY A LITTLE? AND IF YOU TRY TO SETTLE WITH THE COMPANIES ARE THEY MORE LIKELY TO HELP YOU OUT LIKE SETTLE FOR LESS AND FIX WHAT YOUR CREDIT REPORT SAYS?
You can try and deal with the collection agencies to settle for less. if they agree (or even of they don't agree) and you pay the collection agency, be sure and follow up and make sure they report properly to the credit reporting agencies that the collection account is paid with a $0.00 balance. sometimes it could take up to 90 days, though, before they report properly. if you can not get a hold of the collection agency, dispute it with the credit reporting agency and they will try and get in touch with the collection company, if they get no response from the collection agency they should correct or remove that delinquent trade line which will increase your credit score. it will not increase dramatically, though, but every point counts. now adays, lenders and creditors are looking for credit scores of at least 620 but would love to see a 680 or better. pay off the little debts/collections first. this way you can get more trade lines changed from a derogatory standing to a Paid standing. the more trade lines you can convert over to a positive reporting, the faster your credit score will heal. good luck!
The 2 credit cards that you have will definitely help rebuild your credit. Make sure that you pay them on time and keep the balances low (around 20-25%) of your available credit. As for the old bills, paying them off may help, but the problem is that it that the accounts will still reflect the negative payment history up to 7½ years. What you may want to do is this. 1. Check to see if the statute of limitations has expired on any or all of these debts. The Far Credit Reporting Act is the 7½ statute that allows it to report on your credit, but there's a seperate statute of limitations for collecting the debt in court that varies from state to state. (For the statute in your state click this link ==> the statute has expired, you may be able to negotiate paying less to get it completely removed from your report. link I posted explains how you can settle your debts and possibly get it removed from your report Be sure to read the ENTIRE page Good Luck!
I would find a non-profit credit counseling service and see them ASAP. They can help you get a consolidation loan to pay off your debts and end up with one single new loan payment (instead of fifteen individual debts). One payment will be easier for you to handle than the several bills and loans you currently have open, and the rate will be as fair as they can make it for you. You also need to get into budget counseling ASAP too. Paying off your debts does no good if you haven't made a sufficient enough change in your lifestyle to prevent yourself from inccuring new debt. A budget counselor can help you assess your incoming vs outgoing cash flow and point you towards expenses you need to give up, and also advise you on the most effective way to deploy the $5k you are expecting to receive.
1st make sure you pay the entire balance of your c/c each month. 2nd look at your report and start off with the most current. Called the creditor and tell them you will settle for half. Work you way up from their. Make sure to tell them that you are willing to pay as long as you get it off your report. 3rd DON't pay anything that will almost reach it's 7th year. It's going to get cleared soon so just letter if roll off. GOOD LUCK!