I'm 32 years old, currently in therapy, recently sober, and trying to fix everything that I did wrong during my more self destructive years. Trying to put the years of anxiety, depression, bipolar disorder, and alcoholism behind me, and focus on a positive future. Trying to save for a down payment for a house in the next two years. Blah blah blah sob story, I will cut to the chase -
Ultimately I'm trying to improve my credit and save for a down payment on a house. I finally checked my credit report today for the first time in my life and I need some advice.
To improve my credit score can I call these companies and negotiate the cost down/get them to delete them from my credit report? OR should I work with some local credit repair company who would better know how to do that. (Nervous about getting scammed) OR should I work with a national credit repair company?
This is what appears on my credit report -
My credit score is 567 -
Two open accounts
Student loan - $17,144
Student loan - $11,031
Open account total = $28,175
10 closed accounts
Check credit or line of credit (6 years)- $12
Car lease (5 years) - $3,147
Dental credit card (5 years) - $354
Credit card (5 years) - $595
Check credit or line of credit (5 years) - $427
Factoring company (2 years) - $378
Collection department (2 years) - $144
Collection department (1year) - $139
Credit card (11 years) - N/A
Check credit or line of credit (11 years) - N/A
Closed account total = $5,196
Total = $33,371
Any advice on where to go from here would help me so much.
Submitted December 31, 2020 at 08:14PM by 32andsober https://ift.tt/2JyDgbc
