Credit Report And Score
how do i repair my credit report and score within a year?
within the next year i need to be able to take out a living expense loan for graduate school by myself without a co-signer. i have about 8 student loans, all deferred and 2 hospital bills and a credit card on my credit with a score of 576.
A year is plenty of time if you have the money to pay something on these debts.
With a score below 600, I am assuming that your old debts are now charged off. What you need to do now is pull your three credit reports for free at annualcreditreport.com and see if they are sold to collections yet or not.
You need to do this ASAP because if the bills are not in collections yet, you can do some negotiating with the hospital and the credit card company and fix your credit pretty quick.
If they are sold to collections, then you will have to negotiate with them. You can still do it, but it will be harder and take longer.
And don’t bother hiring anyone to do this for you. Do it yourself for free.
on edit:
The guy telling you that you need to pay something on your student loans has no idea what he is talking about. If your loans are federal loans (i.e. not private), then they will most likely remain in deferment so long as you go to school.
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