 How do I pick a good bank? |
| I'm in a federal credit union and they keep taking my money. I'm paying over $32 in over draft fees when I supposedly have overdraft protection. Half of the time, when I am overdraft, I ... |
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 When having a credit check carried out how far back are they checking history? |
| Having a credit check carried out by the letting agency which im applying for to rent a flat. Worried about failing the credit check, does anyone know how far back they check when doing this and what ... |
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 Hi i want to know wahts the best way to get your over due council tax bill payed? |
| if you can not get a loan becouse youve got bad credit rating and you have also tryed asking the council for a payment plan and theve ... |
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 How do i settle a bad debt that has more than tripled since going into collection? |
| I have been in contact with the collection agency and they said they would settle the $18,000 debt for $11,000. I do not have $11,000 nor am i able to get a loan. Is working with a debt consolidater ... |
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 Ever stop paying a Credit Card? |
| A relative of mine has stopped paying his various credit cards. He owes over $10,000 and has reached a point he can no longer afford to pay even the minimum payment on his cards so has decided to ... |
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 How do I get negative things off your credit? |
I have negative items on my credit: collections, inquiries, and delinquint account I have paid some off but my score doesnt go up and on some off them it went down how do I get these off my credit
... |
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 Online Credit Card? |
| Is it possible to obtain an "online" credit card? I want to obtain a low limit card to use for online transactions exclusively. I would set a very low limit, in order to limit fraud in ... |
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 My credit is in the toilet and I'm 37. How do I repair without filing for bankruptcy? |
| I'm studying to be come an electrical engineer and working for an field engineering company as an electrical apprentice. I pay child support for 3 daughters. I don't have a 401k or ... |
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 My mother has bad credit, I have no credit. Can She still co-sign a credit card for me? |
I'm about to turn 21 years old and I have no credit.I don't want to get an insured credit card, so that's out of the question.
My question is, can my mother cosign a credit ... |
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 What does my credit score have to be to be approved for a home loan? |
| I am restablishing my credit because I want to buy a home. My credit score now is 550... |
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| I don't have a job right now i can't pay my bills everybody is calling me to make a payment i can't give them what i do't have. one company has sent me execution payment request ... |
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 What can I do to improve my credit, so I can get a loan? |
| Got denied credit because of 3-4 unpaid very old debts that have been turned into collection agencies years ago. (3-5 yrs) The total is low, and they are hospital bills and a cell phone bill. Peoples ... |
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 I have several credit cards from years ago that I never was able to pay? |
| I am always getting letters telling me to pay the debt and the amount keeps getting higher. I am not able to pay these off in full. What should I do? What can the companys do to me if they are not ... |
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 If you default on your credit card,can the card company sue you? |
| Say you have about $3500.00 on one card and $3500.00 on another card, can you be sued for not paying?... |
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79T40P | Can credit removal agencies really remove bad credit? |
Im in market to pruchase an house presently im at a 600 credit rating with no late payments for atleast last 2 yrs. All deliquent accounts have been paid. I've called several creditors having no luck getting them deleted from my account.
If nothing changes i hope i would be lucky enough to get a combo loan. |
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SPIFIMAN1
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From the 2007 Consumaers Action Handbook I quote "Credit repair companies advertise that they can erase bad credit for a hefty fee. Don't believe it.".
No one can delete anything from your credit file unless it is untrue. |
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karenhar
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Just dispute things with the credit reporting agencies yourself. You'll save your money, and it's easy to do. |
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Johnny G
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Credit repair agencies are worthless. There is nothing they can do that you can't do yourself. Equifax has a dispute resolution process and this is the best way to go. Only erroneous account information will be deleted. Accounts that were past due or in collection in the past would be updated to state that they are now paid, but they will stay on your credit report. They will age off over the years and your credit score will get better as long as there are no more past dues. There's no quick fix of a credit report. If there were, that would defeat the purpose of the credit bureaus. |
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Diana H
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Credit removal agencies can not get bad credit removed from your report if its legit. The good news is that recent credit history usually bears more weight than past when lenders look at your record, so keep paying on time, keep your balances below 30% of your credit card limit, don't apply for any new credit cards or fill out loan applications, etc. All these things will ding your credit score.
A couple of months ago, most lenders wouldn't even consider looking at you unless you were in the area of 630-640 and that was considered the subprime market (i.e. you pay a higher interest rate than others with better credit scores). Because of all the problems recently in that market, many have even raised their credit score requirements.
If you are a first time homebuyer check out Fannie Mae, you might qualify for one of their loans if you can get your scores up higher. |
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beauty s
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don't do it , do it your self by have the credit burels removed them.. GOOD luck |
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Joe
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some are legit others just ripp you off because they know your in a voulnerable state. My best advice to you is to go to www.adviceontime.com they have a lot of free information that can help you fix your credit yourself. They have a very good article that helped me out. |
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Randysgirl
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if you have no late payments for over 2 years and all of the bad credit accounts show as paid then you most likely won't have a problem getting a loan for your home, these will not be removed from your credit until 7 years from the day that the were orginally posted to your credit report if you need more info on credit and getting a 100% financed home loan then you should see my profile and check out my blog lots of great information about credit and the best places to get low interest rate home loans and credit cards! Best of Luck don't worry if you have everything paid then you are will on your way to getting a better credit score!
If you have paid these items and they don't reflect that on your credit report then you can dispute them with the credit agency and they will contact the original creditor and get proff that they have been paid then they will list this next to the account on your credit report as paid! I hope that this info helped you! |
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Joe S
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They can't get them deleted and it is illegal by the FTC to say they can. Refer to the site below on free consumer information on repairing your credit. |
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Still reading
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No, bad accounts won't be deleted from your account. They do what you've been doing--try to get creditors to remove the account, often by having you "dispute" the entry. If the creditors have responded to you, there's no chance that they won't respond to the credit bureau if you "dispute" the charge. Not to mention that the process is illegal and dishonest. |
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