I am thinking about consolidating but not for shore what it is i was told it will boost my credit score?

i was told it would boost my score up to 200 points he said it would take 4 months and all i needed to give him was 600 and in 4 months i should start seeing improvement i need to improve my score because im trying to get my own apartment and i just got out of a 6 year relationship and its difficult for me to get a nother apartment i saved up 5000 living with my mom and im ready to move and i also owe lots of doc bills and just broke a lease about 4 month ago he said the company is called c and c credit company has anyone heard of this before and what should i do

I am thinking about consolidating but not for shore what it is i was told it will boost my credit score?
Don't give any money to anyone. If you have 600 to give this guy, why don't you use it to directly pay some of your bills. Thosae credit places don't do much-he may take your money and run It will take more than 4 months to raise your score 200 pts - more like 2 years. Why did you break the lease - they will come after you for that money and it will affect your credit rating as will the unpaid medical bills. If you have 5000 saved, use it to pay off your debts first, then start saving to get out on your own again and pay your mother room and board in the meantime
Reply:You are being taken for a ride. When someone offers to clean your credit, they aren't doing anything but sending letters to your creditors contesting the debt. The creditor is obligated to remove the item while it is being contested. When it is confirmed that you do owe this money, the item goes right back on the credit. So your score goes up, and then shoots right back down.





Owing medical bills is not a problem, as long as you have arranged payment of some kind. This can be as little as $10 / mo. Just call them up and say you will begin paying them down. They will ask for more, just say you can't afford anything right now, but you want to give them something.





Your broken lease may or may not be on your credit, it depends on who you leased from. If it was an apartment building in a decent area, it was probably reported. If it was a privately owned duplex or home, then most likely it wasn't reported at all.





If it sounds too good to be true, then it is. In this case, it's just an outright lie.
Reply:I'm pretty leary of credit consolidators. You need to take care of your old debts and financial situation. If you really need to leave, perhaps you should look for someone looking for a roommate or has a house that they want to rent a room out.





One of the common ways of boosting your score is to get someone to add you to their credit card account that has a long and good history. You then inherit the history from that card. This will be changing at some of the credit agencies in September 2007 as they update their ratings criteria. Of course, it would have to be someone who trusts you not to use the account even though you're added to it.