 Is my credit good for 20yrs old? |
I am 20 years old and have a credit score of 735 from the big 3.
I have a no debt and 7 inquiries on my credit report.
On my report is says I have a debt of 1900 but that has been ... |
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 Do you believe it ok to file bankrupcy? |
| im 14 and i have to do a project for skewl and i need to get people ... |
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 I need help?? i co-signed for? |
| I co-signed for my sister.And she still hasn't made a payment.I got a letter today saying how much she has to pay.My question is is it me and her getting the bad credit or is it just me? I am so ... |
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 First Time Credit Card! I don't want a very large credit limit and i want to choose my design. Please Help! |
| This is my first time trying to get a credit card. I am trying to be as careful as possible because I dont want to ruin my credit at only 19 years old. Im looking for a credit card that I can choose ... |
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 What can I do to bring my credit score up? |
| My credit is bad due to my divorce. My score is 549. I have some charge off's . When my ex left me i was more focused on making my house payment than my credit cards. I would send them less ... |
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 Is it common for credit card companies to charge a "foreign transaction fee finance charge"? |
| I recently traveled out of the country, and used my credit card several times. On my two most recent statements, I see this foreign transaction fee finance charge. It seems ridiculous that they are ... |
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 I need to get a loan.help? |
where is the best place for me to apply for a loan?i dont own my home,i work part time.i want to put all my debts together in this loan as i am struggeling at the moment.
Additional Details<... |
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 I need to get some money from my credit card but i have forgotten my pin. ? |
| if i go into the local branch what details will i need to withdraw some money?... |
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 What interest rate can I expect on a mortgage loan with my credit scores? |
What interest rate can I expect on a mortgage loan with my credit scores?
Today I have 564 588 654...I am hoping to have my mid-score up 10 pts by tomorrow, and then i am applying for the loan ... |
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 Should things like bank accounts, passwords, credit cards be just for you? |
| Here's w hat I believe. I believe that some things in life should be just for you only. Its not a lack of trust but there are some things I refuse to share like bank accounts, passwords, etc. W... |
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 I just got a new car loan under my b/f's name but i will be paying it is it okay to send the check in that has |
| only my name? Will they wonder who I am and question it?? R is it more of a hey we got the $$ who cares who's paying it?... |
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 Do medical bills really affect my credit report? |
| I have a few medical bills on my credit report but I here they do affect your credit and some people say they don't. Does anyone know the answer or can direct me to the correct website to get ... |
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 Will it help my credit? |
| i just bought my girlfriend a diamond ring at a value of about $1500 but i'm payin 4 it in payments and i bought it at "Kay" not some shop on the street.... |
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 Can i get credit card???? |
| can i get a credit card when i am unemployed??????????... |
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 No credit? |
| i am 19 and have never had a credit card...just tons of debit cards. what credit card can i actually get to start off with?? i would like to build some credit while i am away at college.... |
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 Credit Card cancellation? |
| Okay, I am thinking of cancel two of my credit cards, which i've already paid off. My question is, will it damage or cause my current score go lower? **I barely use that 2 credit cards**... |
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 If I paid my credit card off early, can I charge something on it's due date and be okay? |
Or will it be listed on the previous months (Jan.) balance? My due date is tomorrow but I have paid it off but want to buy something on sale tomorrow..it's the last day.
Thanks!... |
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lee_pont | Has anybody ever used a credit repair company? |
In particular a company called credit for all or any other repair company.They say they can remove bad credit from your file mainly because most of the finance companys dont keep great records thus unable to provide proof so you can get items removed. |
 |
 
TerpsFanguy
 |
I HAVE. And I would say that they CAN be worth using in the right circumstances. When I started using a credit repair firm, my credit scores were all in the low to mid 500's. After about 6 months of their service, I improved my TransUnion and Equifax scores almost 100 points (Now in the 650 - 670 range). The MAJOR DRAWBACK was that Experian refused to take any of their disputes and kept sending me letters explaining how I could send such letters on my own. After 4 of these letters I wised up and started the process on my own.
So I think for MOST people, you will likely not see enough benefit to justify the cost (I paid about $260 in all). I can say, that since using them I have gone from a point where no one was granting me any credit to respectable credit worthiness. My experian scores still fall under 600 so there is always a 33% chance I'll get denied credit.
Final Advice: If you are in a situation in which all 3 of your scores fall under 570 and you are within a year from a major credit purchase (Home, Car, etc.) then give the firms a try for 6 months. Particularly if you feel you don't have the time and patience to do this on your own. If your TU and EQ scores are lower than your EX score - than even better! If you do not fall into the above situation - Hold on to your money. Keep in mind, with persistance you can always do what these firms do on your own. |
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Heather Y
 |
What they do is they dispute every item in your credit report. This has the effect of temporarily making your credit report look a lot better because the companies have to remove it while it is in dispute. But then the companies come back with proof that their reporting was correct and it goes right back onto your credit report (and the credit repair company already has your money).
Think about it this way--have you ever forgotten about someone who owes you money? No. And neither have financial institutions--and they keep fantastic records, regardless of what a company that's trying to sell you something says.
You're better off putting the money you'd pay the credit repair company towards the debt that you owe. |
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byebye
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only you can do that con con con con con |
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isisrocca82
 |
BS. Don't fall for it. |
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Steve D
 |
These companies can get derogatory items removed from your credit reports only if those items are inaccurate.
Have you examined your credit reports? If not, that's your first step. You can get your reports free at annualcreditreport.com. (Don't pay for them or sign up for a service.)
If you know that there are inaccurate items on your reports, then a credit repair company may be able to help remove them efficiently, but you can also do it on your own.
If there are derogatory items that are accurate, then no one can help. You just have to wait for them to roll off after seven years. |
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ZX7RR
 |
The rest of these guys are pretty much correct. Unless the remark has some sort of fallacy or inconsistency, it won't be removed. The credit repair companies bet on the hope they will mess up and remove the remark. Like the one guy said, when someone owes you money, they remember....these creditors keep records, whether they are 100% accurate is another story..Anyhow, if you are falling behind, maybe just settle your debt..Don't waste your money on credit repair. If your credit isnt too bad and you don't want to make it worse...manage your money and pay off your debt as best you can. |
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thenakats
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they can't and it'll cost you money you probably don't have to begin with...you can 'repair' your own credit by transferring balances or negotiating with your credit card companies for a payment schedule.. it takes work but don't fall into that garbage they're crooks! |
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Maggy G
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You have to be wary of the claims that many companies make. I haven't personally used them, but my sister went with the below company and seemed to be pleased with the results |
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minson8605
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no |
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Paulette
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No one can remove information unless you can prove it is false and then you almost have to be able to walk on water and turn water into wine to get it off. “OR” You hire someone to force the credit bureaus to go back to each item and have it re-verified. The system allows credit bureaus to accept anything as true whether it is or not but when it comes time for you to prove it is wrong you have to jump through the hoops. There is a "Law firm" That specializes in doing this. I would use them because believe me, the credit bureaus pay attention to something from an attorney while they can usually ignore stuff from most of these agencies. The firm that I know, and have referred many clients to, is Bradley Ross Law, Bismarck, North Dakota 701-355-0123. And, “no”, I have no affiliation with or interest in this firm. I hope this helps. |
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Carlina
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nope |
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