How do I improve my credit score when my debt isn't from credit cards?

just coming over having pancreatic cancer and i now have alittle bit of income coming in, but only from disability and unemployment. most of my debt is from unpaid cell phone bills and a lease that I broke early due to losing my job years ago. im 25 and want to fix this. any help would be great.

How do I improve my credit score when my debt isn't from credit cards?
I am assuming the lease and cell phone bills are showing on your credit thus pulling down the score. You could call these companies and make an agreement that you will pay the balance in full and in return because you are consciously trying to improve your credit you would ask them to remove the debts from your credit record once they have received your final payment. A lot of people do not know that you can actually negotiate this with creditors. Not all creditors will agree to do this but it is a simple form that they fill out and send to the credit bureau and due to your medical circumstances they may consider. I would make a payment plan with them and have them to put it in writing on their letterhead that once they receive your final payment they will remove from your credit bureau. If you do not get this in writing and only have a verbal arrangement if they do not remove it there is nothing you can do. But, if you have it in writing on their letterhead then you can send to all 3 credit bureaus for removal. Now, while you are doing this I would apply for a credit card to generate some new activity to help your credit score. Best wishes to you.
Reply:1) Avoid using cash and borrowing from family for all your purchases. In the eyes of creditors no credit history is the same as a bad credit history. You may get away with paying cash for your car but when you buy your first home it will come back to haunt you. Even if you can afford to borrow or pay cash try opening an account to buy your furniture, automobiles, or home improvements. A diverse credit background will help with your credit score.





2) Your credit report tells all. Do not lie or stretch the truth to lenders, banks, or employers. They will easily catch you and the consequences are not worth it.





3) Do not cancel credit card accounts to improve your credit. The intended affect may be the opposite of what you expect. You can hurt your credit by canceling your credit cards; especially if you have a long history with the account. Losing a ten or twenty year credit history isn't worth it. If you absolutely must stop using a card, try shredding it. An open account that doesn't have a balance looks far better then no credit account at all.





4) Starting early is always better when establishing credit history. Getting a teenager or college student a credit card is a great way to get their history started. For those who don't trust their child's judgment yet there are many prepaid cards that report to credit bureaus. Read more from: http://www.credit-card-gallery.com/artic...
Reply:It is important to establish credit early. Your cellphone and your rent are arguably credit accounts but not in the main sense of the term. Apply and accept a Visa card for whatever deal you can get. Use it only for the purpose of establishing credit worthiness. Buy something with it you can afford. Pay the bill on time but pay a bit more than they ask for. It will take a few years to get a great credit score but it can be done. Another way of looking at it though. You are willing to work hard to owe money to multimillion dollar companies to whom you are just a revenue source. Tread wisely on the credit path. Never borrow for desire, but for need. And be sure your "needs" don't exceed your ability to pay plus interest!
Reply:I once had a really bad credit score that I thought I would never shake off, but found a very detailed product(which I purchased) and it helped me to fix my credit score in 3 months! There really are some great tips and tricks all set out for you. Check it out.
Reply:Your credit score is based on any and all liabilities that you have, so paying off your cell phone bills will help with your credit rating. If your accounts havent yet gone to collection, contact any companies that you owe money to and set up a re-payment plan. As long as you are attempting to pay the bills, your credit score will not be further affected. Once the bills are paid, it will start to come back up again.