Credit Reports Galore - denied free experian equifax

hopes2graduate asked:


I dont want to get ripped off but I need some help repairing my credit. The credit beuraus arent cutting it. Can someone refer one that doesnt cost a fortune? I need all the credit reporting places (equifax, experian and transunion) worked on. Thanks!

Erica

lamontsmith13 asked:


I finally decided to do something about my low credit rating and I’ve successfully paid off almost all my credit card debt and I’m repairing my credit rating myself (charge offs, collections, etc.). I just got a high interest rate, low balance Mastercard ($500 limit) in order to re-establish a nice pattern of credit trustworthiness. What is the best way to raise my FICO score using this card? Should I make one huge purchase then pay it all off early or should I make smaller purchases and pay it off early over time to establish a good credit pattern? My goal is doing well enough with the card that my credit limit is raised, my score goes up and I can qualify for a home loan in the future. I know some will say not to use a credit card at all but this is the only way I know how to raise my score and get back into the good graces of the Big 3 (Experian, TransUnion, Equifax). Thanks.

Carlos