 Should i tell my girlfriend how much money i have in bank? |
| We been togther for 3 months and i have 40,ooo in the bank should i keep it confidental or should i tell her? The whole time i been with her she gets the impression i'm a hard blue collar worker ... |
|
 How do i get a free copy of my credit report? |
| i want to do this without using a credit card and a free trial.... |
|
 I am 18 and I think I am ready for my first credit card? |
| Any tips on what type of card to get or where to look for one?... |
|
 Am I the only person living pay check to pay check? |
| Honestly, it seems like no matter how much money I make I can never catch up on my bills and my debt just keeps getting bigger with each passing day! I have tried a financial advisor but 1) i have to ... |
|
 URGENT PLEASE READ Natwest Scam!!!!? |
| there is a scam just been sent to my email, it looks like its from Natwest it asks you to login using your detals including your card details and pin. I am a computer engineer and urge anyone that ... |
|
 Hello. Anyone good with credit card debt? Help!? |
| I have $31,000 in credit card debt. I have five cards, but the two with the highest balances are 11k @ 29% and 17k @ 25 and 3k @29 %. I have $8000 to pay twoards my cards, but I don't know ... |
|
 I need a credit card? |
| I am looking to get a credit card. Never had one. I would like to have only1. Does anybody know where I can sign up to get a card without a lot of hassle?... |
|
 Why did they take my stimulus check? |
| they took my stimulus check for a student loan that my wife owed from a previous marriage. she does not work and the income comes solely from me. how in the heck can they do that? i got a letter ... |
|
 Is it illegal to use someone else's credit card? |
| I got my roomates credit card as he owes me money so i started using some money and now he is gone, I dont know where he is now, maybe not even in the country, and if for some reason collections ... |
|
 21 ys old and im in $6,434.00 in debt, please help me and give me some good advice WHATCAN I DO FIX THIS MESS? |
| i know i know i was young stupid, naive, hardheaded, and just plaine dumb. i learn my lesson now and all i want to do is prepare for my future. why do i fell like im the only one in the world who got ... |
|
 Why are Credit Card holders always given better treatment like gifts, points, offers etc, ? |
| I observe that now-a-days Credit card holders are given preferential treatment at Malls, Hotels, Shopping arcades, Tourisms offices, Banks, etc, etc, like special offers, gifts, moneyback offers, ... |
|
 How do I cancel a check that was cashed? |
| I bought something online and paid with a check. The check was cashed but I received a completely different item and they won't accept a return. I was scammed, so how do I cancel this check? It&#... |
|
|  |
honeyluv | Does anyone know how to clean up your own credit report ? How? |
|
 |
 
Crazyjester9
 |
Well I see only two people here have the slightest clue what they are talking about.
Bart and Lara are correct. There are many ways to clean up your credit report (yes, even legitimate items) and both Creditinfocenter.com and CreditBoards.com have excellent information you can use. |
|
Prophet 1102
|
Review it.
Challenge and/or correct any incorrect information.
However, you can't remove facutual information. Only time will do that. |
|
dee
|
Pull your credit report first. Then go over it. See if there's anything on there that you can dispute. If not just work on paying one or two things off at a time. |
|
undomiel99
 |
Depending on what you need done...you can contact the credit bureaus and have certain items removed. Go to Bankrate.com or msn.com and search through the databases for more help.
Good luck! |
|
Bart W
|
THE premier website to answer your question is www.creditboards.com. Spend some time reading the high traffic forums and you'll learn a ton about credit and raising your score. |
|
kate
|
1) Get your free annual credit report from
https://www.annualcreditreport.com/cra/index.jsp
2) review and contest any erroneous info like when a cellular company has given some ID crook a cell phone under your SSN and the bill has been run up to a bazillion dollars and never paid . . .
3) get any delinquent accounts current .
4) pay down debt to less than 25% of available credit . ( lowest possible % the best )
Good Luck
fyi : for repos , collections and judgements , you just have to wait 7 years for the info to fall off .
> |
|
outofmany
 |
Pay on time, and then be patient. Time heals all wounds. |
|
Doctor Deth
 |
you can't get rid of things that actually happened even if you pay them off - if you let a credit card go to collections, or get a car repo'd, it will be on your credit history for 7 yrs - no way around it |
|
Angie :-)
 |
pay off the debt as quickly as possible..or at least pay consistent for a long time |
|
Mommy to Lauryn and Sydney
|
Pay off your outstanding bills and they will drop off immediately unless it is a foreclosure then you have to wait 7 years.. |
|
Jen M
|
Keep in mind the credit report records how timely you pay your bills.
So, getting creditors paid off and start paying your other bills like utility bills and rent/mortgage on time or early. This will do a lot to help your credit out.
Review your report to make sure you have no outstanding debts and to make sure everything on there is YOUR doing and not a mistake.
If you have a dispute then, dispute it.
Simply getting out of debt can also do a lot towards raising your credit score.
Remember the saying, people who understand intrest earn it...people who don't pay it. |
|
MetalMom
|
You can order all 3 of your credit reports at the same time from any of the on line credit bureaus. Scan the reports over and then you can dispute any items on line as well, usually from the same place that you received the credit report from. They have 30 days to respond to you so save all your documentation. If they don't respond within 30 days they by law have to remove the item. You can also visit www.ftc.com to get even more self help. Also start by paying off the smaller items and working up. Your scores will go down briefly, but in the end they will go up faster. Hope that helps! |
|
BabeHeart
 |
Start contacting the businesses on your report that have bad marks against you and dispute them or pay them off if you know you owe money. I've had 2 friends in the last year that significantly raised their credit scores by doing this (both were preparing to buy houses, and ended up doing so before the end of '07).
The credit report company you are viewing your report through, should have a process for disputing items on the report. You can take care of much of it right there online. |
|
sponge
|
Don't pay off all your credit commitments in one go, but keep them paid on time, by keeping a few on the go is better than having none,it shows creditors that you can manage your finances, having no credit all will show nothing.. in time this will build up your rating.. |
|
blueeyed grl
|
Find out who you owe and pay them off one by one. |
|
savingsguy
|
the only way to do this is to get a repair company do do it for you but be carefull because there is a lot of scam artists out there charging you per file my cousin started using this company 6 months ago and has just bought his first house and he had really bad credit before they charge a Flat fee and do all the work for you i believe its a 12 month program of credit restoration and credit information to help you keep your credit score as high as possible. good luck http://www.vrtechmarketinggroup.com/afigueira/ |
|
littlejoe@ymail.com
|
Wait 7 years and start over. |
|
Laraloveslifehouse
|
Dispute everything on your credit report!
That means with all 3 agencies. They have 30 days to verify these items or they have to be removed. Worst case scenario, it they do verify, you may at least have some of the late pays dropped...that will boost your credit score.
The best way to dispute is to send a certified letter to each debtor and use the pre-drafted letters from this website:
http://www.creditinfocenter.com/forms/
Always include the debt recovery # or acct number on the letter!
There is a thing such as the Fair Debt reporting Act...you should read up on this also and know your rights when you dispute!!!!!!!
You may have to send follow up letters to the debtor or credit bureau to have the items that are not validated dropped.
Good luck!!! |
|
mersh0406
|
Anna is correct however there are other ways. You can go see a credit repair specialist. For a fee, they can attempt to fix your report by utilizing loopholes in the law to try and have them taken off. It is not easy, and there are no guarantees it will work, but absent of waiting 7-10 years, it is your best shot.
I would only use someone that is personally referred or has references. |
|
BellBelle
|
creditsecretsbible.com
I just brought it and they give you good tips on how to get the credit breaus to remove items from your credit |
|
annazzz1966
|
Pay off all of your bills and wait 8 years. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
21 | 37 minutes(s) ago
| | | |
21 | 41 minutes(s) ago
| | | |
22 | 44 minutes(s) ago
| | | |
20 | 3 hour(s) ago
| | | |
21 | 4 hour(s) ago
| | | |
21 | 6 hour(s) ago
| | | |
21 | 10 hour(s) ago
| | | |
21 | 1 day(s) ago
| | | |
21 | 3 day(s) ago
| | | |
20 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
