Hello, Thanks for making yourself available to he

Hello,
Thanks for making yourself available to help. My credit score is 567, I only owe about $1800, but they are very old. I am trying to get a home loan and need to raise my score quickly. Do you think it would be better for me to just pay off the debt or to try and have a credit repair company help? Thanks in advance for your response.

2 Answers

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If you want to improve your credit score, then you will have to repay your debts on time. This is because late payments may hurt your credit score by 35%. Once you start making payments on time, your credit score goes up gradually with time. You also need to add some positive information on your credit report.


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Have you attempted to have any of your old delinquent accounts deleted from your credit reports? This would be a good start. But, as far as the $1,800.00 you owe, if they have been actively attempting collection there's a good chance you won't be able to have this deleted; therefore, I suggesgt paying it off. The zero balance will definitely increase your credit score.

Best of luck to you!

Marie Megge
Donaldson Williams, Inc.

http://www.debtconsolidationcare.com/companies/donaldson-williams-inc/

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