Who can fix bad credit?

Asked By: dirtydarkness 70+, F 1 year ago

hypothetically, if a person could hack and do all sorts of cool stuff with computers, would that be something a hacker could do?

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7 Answers to "Who can fix bad credit?"

Posted by steppingup Apr 4th, 2012 at 2:02PM

a paper shreader....

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Reply by dirtydarkness Apr 4th, 2012 at 2:36PM

LOL
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Reply by steppingup Apr 4th, 2012 at 2:38PM

the answer is more like, you can fix credit by earning more and buying more on credit and then paying it off, otherwise it would be easier to just try and fake a new idenity.
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Posted by milander Apr 4th, 2012 at 2:10PM

Only you can.. by consistently paying your debts on time for a few years and not racking up a lot of bad debt. To be honest though you're better off cutting up all your cards and getting used to paying cash. i do and it's MUCH easier.

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Reply by dirtydarkness Apr 4th, 2012 at 2:36PM

So true, credit cards are like crack.
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Posted by rknst74 Apr 4th, 2012 at 2:03PM

Probably not,he would have to hack in a lot of websites to fix someones credit reports.Best way to fix it is become a person that does things to avoid ending up w/bad credit.

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Posted by Jessalex Apr 4th, 2012 at 2:03PM

no one. better start praying for a zombie apocalypse.

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Reply by SooperSarah Apr 4th, 2012 at 2:12PM

High Five for the Zombies!
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Reply by dirtydarkness Apr 4th, 2012 at 2:37PM

CTFU and LMAO!!
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Posted by purlgirl Apr 4th, 2012 at 3:18PM

The only way a hacker could do it would be to hack all 3 major credit reporting agencies plus anyone you have delinquent debt with and alter all those files. Its impossible. A new identity is an option but generally only if you are in the witness protection program. A debt that is untouched (you haven't made payments or spoken to the company) for 7 consecutive years will fall off of your credit report with the eception of taxes, student loans, child support, and certain legal judgements against you. Long story short... if you have old untouched debt that doesn't fit into the above catagories leave it alone. Pay off any newer debt even if its already delinquent. And if you do get a credit card and just charge 10 bucks 3 times a year on it and pay it off immediatly it will drastically improve your score. You must pay it on time and keep the balance low in relation to the limit. Fyi-I have an mba and work in the financial sector so this isn't my butt talking.

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Posted by srslydoomed Apr 4th, 2012 at 2:04PM

boobies.

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Posted by DarknessCalls Apr 4th, 2012 at 2:04PM

It's actually easier to do it legitimately.

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Reply by dirtydarkness Apr 4th, 2012 at 2:36PM

Teach me
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Reply by DarknessCalls Apr 4th, 2012 at 3:21PM

mail me, and I will.
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