 Credit Card Debt Help!!!? |
| Here's the story.. I had 5 credit cards that I have been paying off.There was one big one for 7000.00. I tried to work out a payment plan and the collection agency would not work with me. Now I ... |
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 How many months does it take to see an improvement in your credit score? |
| If you are paying on time, keeping credit card balances low, and not incurring any new debt? How long does it take these responsible actions to actually start causing an improvement and increase in ... |
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 Does getting your free credit report take off points? |
| When you get your one free credit report each year, does it take points off your credit or count against you in any way?... |
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 How much of a balance should I keep on my credit card? |
| I know that I should keep some balance on my credit card to help show that I can make regular payments. I really want my credit score to go up even more, so does anyone know what percentage of ... |
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 Maxing out a credit card for one month? |
| Does this do anything bad to your credit rating? If I max out a credit card (not going overlimit) but then pay half of it off the next month.... |
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 Cut up Credit Cards? |
| Do businesses really cut up maxed out cards? Or is that just a myth?... |
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 Is mastercard and american express accepted everwhere? |
| I know visa is universally accepted i wondered if those two are worth ... |
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 Bad Credit........how can I repair it fast? |
| Went thru a bad divorce 4 years ago and have never been able to recover. I'm tired of the apartment life but my credit sucks, so renting a house is very difficult. Any suggestions to help me ... |
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 Has anyone ever used a debt settlement company and if so, what was your experience? |
| I'm not talking about credit counseling, I'm talking about the firms that go to your creditors and offer to settle the debt for a small percentage of the total owed. If you have, tell me ... |
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 What is the Cheapest way to improve a credit score by 90 points by the end of the year? |
Preferably without getting in more .debt
Additional Details
I have a 610, with no latefee's or bad marks on my score.
I just have a high debt to available ratio. - 70%... |
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 How to use credit card? i am not sure.? |
hi there.
i just bought a desktop computer by my credit card.
now i have the computer. but i am not sure that how the payment happened? i just gave the credit card number which can be done ... |
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 Exceed credit limit on a credit card by a lot? |
| This is going to sound weird... but... lets say your credit card had a limit of, say, $3k, and you went $15k over that limit. I'm not talking about spending $15k on one purchase. I'm ... |
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 Does an unpaid credit card get forgiven in 10 years? |
| Hi. Someone I know just got a letter about an account she owed money on 20 years ago. She thought she paid it off. I thought if you owed money on a credit card, that the debt is forgiven if you ... |
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 Do you like credit cards? |
| i know there handy - but does it give you a ... |
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ssmc | Advice on credit repair? |
Has anyone had experience with or know about the following:
www.creditbureauexperts.com
Credit Justice Services
I am looking into credit repair and would like to know if anyone has ever done this and it worked? If so, please give information about your experience. |
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Miss Know It All
 |
Do it yourself:
To boost your credit score:
The first thing you will need to do is call the three major credit reporting agencies and request a free copy of your credit report.
www.equifax.com
www.experian.com
www.transunion.com
Then once you get those in the mail (7-10 days) there will be a dispute form attached to the reports. Fill those out for every negative account on your report regardless. Fax, mail go online whatever it takes to get those submitted as quickly as possible. Then those companies must answer your dispute within 30 days or it is removed from your credit report completely. So that will eliminate some things, hopefully.
Then make sure you pay all your revolving accounts to below 50% of your credit limits.
Make sure that you make all your payments no more than 20 days from the date it is due.
Good Luck! |
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mphsblue
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I work for Credit Justice Services. We are the ONLY company that actually lets you look at, and sign the dispute letters. You won't find a better credit repair company - but by all means, check the competition out. I see first hand the results that we get for our clients every day. You will likely see an increase in your credit score from 50-100 points in 75 days or less.
It always bugs me when I see people in this forum say that you should never hire someone to repair your credit when you can do it yourself. Please! The law says you can represent yourself in a court of law, pull your own teeth, do your own transmission work for your car, etc... Who do you think will get the job done better?
Try it yourself if you wish. It PROBABLY won't actually hurt your score, and will likely improve it. But if you want it done right, use a professional - a good one.
Good Luck! |
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dublniklz
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Anyone that says you can't repair credit is wrong! The only information that can be on your credit report is information the credit repair companies can prove belongs there. They have the burden of proof. I've repaired my own credit and I've been told that's the best way to go. No one knows more about your situation than you. I got a book to help me on this site. |
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rdbianco4
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Dear repair seeker,
Please adhear to the message I am about to send. DO NOT GET INVOLVED WITH ANY TYPE OF CREDIT COUNSELING SERVICE. THIS IS WORSE THAN BANKRUPTCY. What I suggest you do is go to www.annualcreditreport.com and request your free credit report from each repository (Equifax, Trans Union, Experian). After receiving your credit report(s), contact the creditors that are posting negative ratings on your report(s) and set up a payment plan and try to settle for a lesser balance than the full balance. Start with the smallest accounts and work your way up to the larger ones, it may take some time, but at least you will be doing this on your own without any more negative aspects hitting your credit rating. |
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smile4cobra
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Ok first things first. Check to see what the statute of limitations for credit reporting is in the state you live in. If it is past statute you can report it to all three major credit reporting bureaus and have them dropped off.
Also dispute anything that is not valid, correct or was not of your doings. If you have anything on there that you didnt do...file a police report and forward a copy to the creditors and bill collectors.
If they are not past statute and are valid...you need to get them paid. A credit institution will charge you money to do the same thing you can do. They only mess up your credit even more when their inquiry, line item shows up and they wait to receive your payment to pay the creditors so they run your stuff late. Plus, they can not stop the creditor or agency from coming after you. By law the collector or creditor have the right to tell them to **** off. Nobody works for free, believe me you pay them.
Start by calling the collection agency try and cut deals to settle the accounts. Some agencies will take as low as 30% to settle. Others will request more. Very rare but some creditors will not accept a settlement at all. Try and make them to agree to delete from your credit report as well. Some agencies may require that you pay the entire balance for them to delete it. Others will agree to delete with the receipt of the settlement amount.
Get the deal in writing before you pay and than more on to the next one. One by one...next thing you know its done. |
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starfairy181
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Go to the forum section of www.creditboards.com and READ READ READ |
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OC1999
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Any company that promises you to "Repair" your credit is a scam and you need to stay away from them. If your information is valid on your credit report there is no legal way to have it removed.
Now there are some that will provide services to fix inaccurate information, but the prey on the lack of knowledge of people to pay for these services. All of these "services" that they offer are things you can do on your own for free.
You are allowed 1 free credit report from each of the 3 credit agencies once per year. If there is anything incorrect on your report you have the right to dispute it for only the cost of sending a certified letter to the agency. |
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bevrossg
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go to daveramsey.com and follow that plan. You need nothing else. This is good, common sense and it works! |
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CupCake
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Did you look them up on the Better Business Bureau website?I just checked out the site--seems they dispute things for you but I know you can do that yourself. Did you get a recommendation? I've heard about companies like that but never tried it. If it works, let me know. Good Luck! |
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