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charge off/repossession/ helpp.?
21st November 2009
im 21 and have a credit score of 525. i’d appreciate help on understanding it.
i owe almost 0 to a phone company who "charged off" the bill. [what does that even mean?]
and i owe ,077 on an auto loan who repossessed the car.
my life’s circumstances changed drastically [moved back home, going back to school, you know.] and i’m trying to get my credit to do the same. i know it takes time, bu what should i do to help it? i wont have a job until next summer when i finish school, and i don’t know what do do about it.
after paying off the phone bill, would getting a pre-paid credit card help any? i know if you make positive payments it will help your score, but i dont know if it’s enough to counter-balance the negativity from the other two items i owe money on.
does the car and phone-bill continue to ding my credit? or is it as low as it’s going to get?