Warning: include() [function.include]: URL file-access is disabled in the server configuration in /usr/home/ms/domains/hurryloan.com/html/answers.php on line 78 Warning: include(http://www.hurryloan.com/rightbar.php) [function.include]: failed to open stream: no suitable wrapper could be found in /usr/home/ms/domains/hurryloan.com/html/answers.php on line 78 Warning: include() [function.include]: Failed opening 'http://www.hurryloan.com/rightbar.php' for inclusion (include_path='.:/usr/local/share/pear') in /usr/home/ms/domains/hurryloan.com/html/answers.php on line 78   Go Back To Search Results Question How to repair bad credit? How to do yourself? I have bad credit. I am 23 y/o. When I was 18 y/o I was on a phone plan and it got put forward to a debt collection agency. I paid it off. But I have an outstanding electricity bill with synergy and it's under $500 but it got put forward to credit agency and I know this because I called them and they told me. But apart from that it can't be from anything else except my phone plan which I have paid off. If I have paid it off in installments which I have can it still give me bad credit? Or can you only get bad credit if you have an amount owing? And is it true if I ring the company / companies and pay the owing amount that I can get it taken off my credit? Please someone help me. I just want good credit. Also I am in Australia if that helps. By chris Posted on 02/07/10 Total Answers 2 Answers- If you pay the collection off, it won't be completely removed. Instead it's going to show that the account has been paid. And by law, in the U.S., if you cannot contact the collection agency neither by phone or mail, credit bureaus have to completely remove it off of your report(s). This may be the same way in Australia but I'm not clear if it is or not. Answer by : EverBetterCredit On Date 2010-02-08 04:06:06 Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-score.10001mb.com Answer by : Michael On Date 2010-02-10 13:32:45   Go Back To Search Results