Fixing your credit
fix your credit on your own and monitor every month Fixing your credit is simple and does not take as much time as credit repair companies want you to think. Some say credit scores 730 and above can get you anything, I say 660 and above depending on what you want vs what you need. Either way it goes we are always looking for ways to increase our scores. If you are one of those people like me that rather fix your credit yourself other then spend money to have someone else do what you could have done in the first place then you are in the right place. I have listed a step by step recipe for excellent credit. know where you stand Find out your credit score. There are so many credit reporting agencies like myfreescorenow.com that will provide you with a detailed report. Old collections Do not pay on old collections "period". for a debt to be deleted from your record it takes 7-10 years. By paying on old collections (5+ years ) you activate the debt another 7years.