 I applied for a credit card but it says "declined, no credit history." Why? |
| I recently applied for an American Express card and it said that I got declined because I don't have sufficient credit history and that the credit cards that I have have not been open long ... |
|
 I've been fraud!!? |
| this guy from Dubai sent me $4000 postal money order for something, i deposited in my bank. and days later, i got notice from bank saying it didn't went through...... i thought postal money ... |
|
 I just turned 18 and i have bad credit, looked up my credit report, and found i owed $91.00.....? |
| and i could not find a mailing address or phone number for the credit company that i owe the money to. Funny thing is, i got one notice a year ago and none since. Any suggesions????... |
|
 I want to refinance my house but? |
| I want to refinance my house but the bank said I have to wait 3 years before I could refinance. We bought the house a year ago already, but would like to refinance to fix some things around the ... |
|
 What is ones credit score after Chapter 7 Bankruptcy Discharge? |
| Hi, my husband & I filed Bankruptcy 11/20/2006 due to a local attorney coming after us for $3,500 in medical bills from 1998-2001. We had our hearing on 1/9/2007 and our bankruptcy is due to be ... |
|
 Does this hurt your Credit Score? |
If you make a mortgage payment between your grace period.
Let's say you payment is due on the 1st....but there is an additional penalty after 15th....so there is an obvious grace ... |
|
 I want to buy a car, How can I build my Credit? |
I'm 18, barely got my credit card 3 months ago so i dont even have a credit score.
Today I went to a dealership to see if i could buy a car(planning for later) and they told me that since i&... |
|
 Can someone explain credit card APR to me? |
| Looking to apply for a credit card but i'm confused by APR. What does it mean exactly. I know its a way of charging you for what you spend but how is it worked out.... |
|
 What is the best way to establish credit when you have none? |
| I have no credit. I am getting ready to graduate and I am getting married in August.... How do I establish credit? Should I get a credit card and use it wisely paying it off every month? Or should I ... |
|
 Bed credit rating? |
| i have defaulted on alot of credit in the past and entered a debt management scheme, i have now been paying my creditors for 3 years without any missed payments through the scheme, i will be finished ... |
|
 My employer recieved an order to withold on my wages!? |
| I just recieved in the mail today by my employer that they have to garnish my wages. I guess a creditor got a judgement to garnish my wages. I recieved letters and a summons before by these ... |
|
 Is my Credit Score good?? |
| I recently checked my credit score on Experian and it said that it is 722 on a scale of 501-990 and then I estimated my credit score on MyFICO and is says that my score ranges from 705-755. Are these ... |
|
 What is the best route to take to repair poor credit.? |
| Imake good money but always have had bad cridit I want to buy me a home this year.... |
|
 BEST AnSWER GIVING 10 POINTS for the following question? |
| is there any "1500 or less" cash loan offers that will definetly be sent to me with bad credit. any webistes pls not bank loans like the sent to your checking acoount in 24hrs offer. PLEAS... |
|
 Is it bad to have too many cards?? I dont even use them!? |
| Im trying to build my credit, so I applied for a bunch of cards and got a few. I never occur interest on them, and hardly even use them. Does this look good or bad??? Should I get more, or just use ... |
|
 I was taken to court with out me knowing on a loan. They were given a judgement against me.is that leagal?? |
| it was a personal loan in only my name. I had no idea that it was even going to court. Now i have the judgement against me. I used personal property to secure the loan, but i no longer have any of it.... |
|
|  |
victor s | Anybody have experience with these credit repair sites. they promise take old medical bills off your credit? |
they promise in as little as three month to erase most of your old medical bills on your credit report. Most sites charge $100 dollar set up fee and $30 dollars a month. |
 |
 
Mountain Top
 |
They can't do anything you can do.
First, you have to pay the debt off, or make an arrangement for the creditor to take a partial amount as full payment (known as a write off).
Then, after the debt is actually zero, you can ask that it be removed by the creditor. If you paid in full, with no write-off, then there's a 30% chance they will do so just for asking. If they took a loss, they are highly unlikely to do so.
Any fees you pay as stated in the question are a waste of money that you could be paying your creditors.
Removing things is less effective than simply waiting it out.
It takes about 18 months of "good" reports to effectively change your score. If the items are paid and are older than that, they are almost ignored (only very slight effect on scores)
The best way to fix your credit is to pay everyone off, and then be good for 18 months - and hopefully for the rest of your life. |
|
Linsey
|
None of those companies can take anything off your credit "legally" and I wouldn't trust anyone that says otherwise.
they will just take your money & run.
I speak from personal experience. a fraudlent "credit counseling company" stole $800 from my husband and I and just made our credit score even worse. We would have been better off doing it ourselves. they did nothing we couldn't have done on our own. |
|
stephen l
 |
They suck; they don't challenge EVERY negative item EVERY time they send dispute letters. They try to drag out the process of something that you could actually do yourself with a little help. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact. |
|
Chef Frisbee
 |
waste of time and money
and will make your credit worse |
|
Julie
 |
You are better off calling those medical providers yourself and schedule a payment plan with them and send them the money yourself too.
That is all these agencies do and you pay them to do something that you can do yourself for free.
Take the time and accomplish it yourself. |
|
gregory m
|
I have some experience with them. I now run a credit repair business of my own. I would advise you to try and pay some of those medical bills. There is no guarantee on getting medical bills removed. They are hard to remove unless you pay them. |
|
DebtFree
|
credit repair is a scam. you can repair it yourself free. pay your bills early or on time over a period of months, years... never miss a payment. |
|
TONY_BABYFACE
|
as far as I know it does take a little longer than 3 months, but you should really try calling this company that just removed some things off my credit file. They were really nice and actually worked, since most other places i went ripped me off. Millenium Financial Services, at thhe below site. |
|
socalrider31
 |
I used Lexington Law and it worked. They worked for months on my credit report and removed a lot of derogatory info. They are not very expensive and well worth every penny. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 3 minutes(s) ago
| | | |
9 | 18 minutes(s) ago
| | | |
11 | 47 minutes(s) ago
| | | |
6 | 3 hour(s) ago
| | | |
8 | 7 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
10 | 1 day(s) ago
| | | |
9 | 3 day(s) ago
| | | |
2 | 2 week(s) ago
| | | |
7 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
