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My credit is really bad however I only owe a little over 2…

Customer Question
My credit is really bad...
My credit is really bad however I only owe a little over 2 k, but to quite a few companies to improve my credit scores the most would it be more bennificial to pay off the smallest amounts but more companies, or the bigger amounts and fewer companies? Thanks for your time
Submitted: 2 months ago.Category: Consumer Protection Law
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Answered in 5 minutes by:
12/12/2017
Consumer Protection Lawyer: KnowYourRights, Lawyer replied 2 months ago
KnowYourRights
Category: Consumer Protection Law
Satisfied Customers: 30,036
Experience: Experience protecting consumers against unfair, deceptive, or fraudulent advertising, marketing and financial practices.
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Customer reply replied 2 months ago
OK thanks
Consumer Protection Lawyer: KnowYourRights, Lawyer replied 2 months ago

Good morning. Ideally, you would pay more towards the credit cards that have the higher interest rate. This way, you pay those off and are not paying as much to the interest and more to the principle to reduce the balance. The goal is to make sure everything is paid on time. Try and pay off the high-interest rate cards and make a larger payment to those so less is going to interest each month

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Customer reply replied 2 months ago
Nothing on my credit is from credit cards it's all non payment of things like phone bills, cable company,ect.
Customer reply replied 2 months ago
I am not a crewing interest on anything to my knowlege
Consumer Protection Lawyer: KnowYourRights, Lawyer replied 2 months ago

If these are past due bills, you need to address and pay the oldest ones first, to prevent them from going to collections. You should speak with them and see if any late fees or interest is being added as it typically happens when payments are late. The older bills you want to pay off quicker since there is a greater chance of you being sued on those and if you are there would be legal fees added to the amount owed.

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Consumer Protection Lawyer: KnowYourRights, Lawyer replied 2 months ago

I just wanted to follow up and see if you had any other questions or needed me to clarify something. I am here to help, so please let me know. Thanks!

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Customer reply replied 2 months ago
would paying one off for $1000 boost my score higher than if I paid one off for $200?
Consumer Protection Lawyer: KnowYourRights, Lawyer replied 2 months ago

It depends. If it is in in collections and being reported late, it could since each month your credit would be taking a hit, as this would be reported until it is paid. You can pull your credit report and see what is being reported on it and try and resolve those sooner.

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Consumer Protection Lawyer: KnowYourRights, Lawyer replied 2 months ago

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Consumer Protection Lawyer: KnowYourRights, Lawyer replied 2 months ago

I just wanted to follow up and see if you had any other questions or needed me to clarify something. I am here to help, so please let me know. Thanks!

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