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    dogdeville's Avatar
    dogdeville Posts: 69, Reputation: -4
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    #1

    Jun 6, 2012, 06:42 PM
    Repair credit
    How to repair credit? I don't owe any credit cards any more; I have judgements against me; outstanding. Hospital bills. Etc I work hard and I have a good job now
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #2

    Jun 6, 2012, 07:48 PM
    First you can not "repair" or remove anything that is valid from your report.

    It can take years to clean up some, but as you pay off different debts, it gets better.

    1. get all of your judgements paid off.
    2. get a few credit cards but never have more than 1/4 of the limit charged.
    3. don't have any future late pays.

    Once the judgements are paid and no longer outstanding, it just takes time.
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