Hi all, I managed to get myself into 13k debt (on one MBNA credit card) over the last couple of years. Everything was fine until life hit me a little and I lost my job. I signed on with a credit elimination program. Yes, I know, bad move. Unfortunately, what is done is done. I should be "settled" with my credit card co by September. I am also starting law school in September... All of the above is background. I need some advice on how to rebuild my credit. Everything else, car loan-paid off, personal loan-currently paying with no late payments. So everything but this is in good standing. I would really appreciate your help. Best regards.
Have you pulled your 3 credit reports? What are your scores, and what kinds of negs are showing? Welcome to the board.
Thank you and I am very glad to be here. I pulled up a credit report-no score on there. All that I had was MBNA showing 30 days past due, which is precisely what it's supposed to show since I haven't paid them. I had one problem with Sprint sending me to collections but that was not on my report. Any ideas on where I can attain my reports and score. I am very new to this game!