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Posted by Nooy on 22nd Mar 2012

it all. If you were to lend me $50 and I never paid you back will you ever lend me money again? What if I tell all my friends will they lend you money? Your ridect report conveys this information, faster than girls spread cooties.If you have negative items, contact the people you owe and tell them you are willing to settle on the debt (offer them 40% of what is owed) create a letter for them to sign off on that states you want all negative items removed from your ridect report and a letter stating that everything was PAID IN FULL (not settled, or settled as agreed). Once you settle, contest the listings on your ridect report with all the ridect bureaus:Equifax, Experian, and TransUnion. Then begin to pay large amounts toward your active ridect cards NEVER spend more than 40% of the ridect available (if your ridect limit is $1,000 dont go over $400 on the card). always pay your bills on time (not late) then it takes time and you should begin to see your ridect score rise 35% of your score is debt to income (what you have borrow vs what you are allowed to borrow)35% is payment history (something you need to get cleared up)10% length of ridect history (so dont close accounts you have paid off)Hope that helps