Credit score Help

[software]

Hello, I went back to india on a emergency visit last year in December due to family reasons and now things are ok, so came back to US this month.

I didn't do one single payment to credit cards for last 8 months and owe some where around 20k and all my cards are closed with bad credit by banks.

Can some one tell me how to repair this credit history  and better my credit score.

Are there anyways to consolidate all my debt into one and make small payments.

Thanks !

 

[Lakhan]

1 minute ago, software said:

Hello, I went back to india on a emergency visit last year in December due to family reasons and now things are ok, so came back to US this month.

I didn't do one single payment to credit cards for last 8 months and owe some where around 20k and all my cards are closed with bad credit by banks.

Can some one tell me how to repair this credit history  and better my credit score.

Are there anyways to consolidate all my debt into one and make small payments.

Thanks !

 

Help

[Nenunnanu]

Lite.. Call the Bank and negotiate a repayment plan .. Get into one of those credit card debt relief programs .. 2 yrs lo back in game

[vendettaa]

India vellemundu Anni clear cheskuni povali ani ardam ayndi 

[Upendra_]

1 hour ago, vendettaa said:

India vellemundu Anni clear cheskuni povali ani ardam ayndi 

you planing to ggo?

[AFDB__REBEL]

intha long gap ela teeskunav bro india lo...iwt visa u came back on 

[software]

i called 

2 hours ago, Nenunnanu said:

Lite.. Call the Bank and negotiate a repayment plan .. Get into one of those credit card debt relief programs .. 2 yrs lo back in game

I called the bank, they said i need to talk to debt collector agency. These credit debts are not controlled by banks any more and  this wont help me with credit score though. 

 

[Renault]

1 minute ago, software said:

i called 

I called the bank, they said i need to talk to debt collector agency. These credit debts are not controlled by banks any more and  this wont help me with credit score though. 

 

collection agennnts tho settle chesko...or payment arrangemet chesko if u want to pay off........credit score pergalante motham pay chey first.....n  secured credit card open chey..it will help build ur credit...