 Does it look bad when I request my own credit report? |
| A woman reviewing my credit at a credit union today said that it generally looks bad if my report has been accessed 6 times in one year by credit card companies or lenders. When I access it myself...... |
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 I am trying to clean up my credit. I was wondering what is the fastest way to get rid of it? |
| I have 5 credit accounts: $183, $1,027, $1,551, $4,300, $6,400. I just started working a little bit over a year now as soon as I got out of college. Is there anyone I could talk to about getting any ... |
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 What would you do if...? |
| Someone you know or someone thats related to you got a hold of your ssn and used it to get credit cards with your name on it cause they're money hungry? I'm having this problem and I don�... |
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 Why can't Americans pay their bills on time? |
| The current credit crunch crisis stems from the fact from the American people's inability to pay their mortages on time. Why is this the case?... |
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 What do you do if someone gives you a check and the check came back NSF and there account is closed? |
| I received a check and I had deposit it and it came back NSF and I cant get in touch with the people and there accout is now closed, what do I do?... |
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 I am a small business manager. A debtor owes $250 and moved out of state. He owns no real estate.My options? |
| BTW, in my business, all the income is in small "bites"-- $25, $35, etc. so I'd rather not just let $250 just slide. The debt is 2 years old (and not bc we didn't try to collect). ... |
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 How much do Credit Repair companies charge? |
Any idea how much it costs to have a credit repair company try and fix your credit report
Additional Details
I know that credit repair is mostly a scam, but I'm curious about the ... |
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 Fiancée's Parents Taking advantage of and ruining her credit? |
| My fiancée's parents have used her credit for the past couple of years for cable, internet, and other utilities. She spoke to her mom about it and her mom supposedly canceled the dish account. T... |
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 Is now a smart time to pay off credit card debt or save? |
| I'm just curious. I should be coming into a little money sometime soon and I didn't know if it would be more wise to pay off debt or to save, seeings as the economy is being flushed down ... |
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 Credit Card Debt - Need help.? |
I am 22 years old and I can see my self quickly going into debt with two credit cards I have.
1st. I owe $1450, and make payments on time.
2nd. I owe $3559, I am over and the ... |
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 Mother passed away with lots of credit card debt? |
| my mother passed away with over 50,000 in credit card debt. she has no insurance and no estate. i am getting letters from collectors and letters from places that say they are lawyers but appear to ... |
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 I need a personal loan. i get paid in cash(no proof of income) but have a high beacon score. anyone help me?? |
you MUST prove income to join prosper folks. well.. for them to loan you money. i need around 7000.00 five will work though.
thanks!
Additional Details
NO PROSPER PEOPLE!!!!!! GEEZ!!... |
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Malena | Help! I want to repair my credit.? |
My credit score is bad and I would like to buy a home. I got a credit report, should I start making payments on the companies that were on my credit report or do I have to call them up to make payment arrangements? Please help. I can't get anything in my name and I am soon to be married which I know will effect my fiances credit. Any advice? Is there any services that help you for free? Websites? |
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Miss Know It All
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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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starfairy181
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Go to the forum section of www.creditboards.com and READ READ READ |
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glisten1971
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Awesome non profit company ~ free counseling ~ great help~
cccssf.org ~ they can assist you with any credit questions, review your credit report with you and give you some options on where to go from here... Check it out! |
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tryinthis2
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law is that if your credit report has negative items that arent correct...........so if it has neg but was never paid late...if it has a wrong balance...etc then you dispute it with all 3 credit bureaus and the bureaus will write to the company to ask them to prove the validity of the bad debt. if they are not able to validate the debt (good or bad) then they must change the status to what you say it should be. if the debt is old then chances are it wont be validated because it's either not worth their time to search for old boxes of records and make copies and mail it or it's too old and they cant find the documents. Either way, the credit gets changed to what you say it should be. |
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dublniklz
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I was in a similar situation (about to get married as well) and I got a book called the "Credit Secrets Bible" and I've raised my scores by almost 100 points in a few months. One of the things they recommend you do is add yourself to someone's credit cards as an authorized user and it will give you all of their credit history for that card on your report. I did that with a few cards and my score jumped immediately. If you subscribe to their list they even email you some tips and things you can use. After the emailed me a few it seemed they knew what they were talking about so I bought it. |
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beauty s
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yes do it you self and pay off all debt and after that make payments on time.. and then try to dispute the ones that are negative |
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Chrys
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you can do it yourself...pay off your credit cards in full, do NOT get anymore credit. Get your copies of your reports and make sure they're correct. Clean them up yourself. (it's free...) The fewer credit cards you have the better, try to get it down to 2 max. Make sure your car (if you own one) is up to date on payments...that goes for all your bills. If you need to make arrangements for smaller payments, do it yourself. (don't pay for something you don't have to.) |
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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.
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.
Good Luck. |
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cinderfella
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If your in the uk and you have over £15000 worth of debt they can write it off with an IVA...i made the mistake of running from my debts..thinking they would disapear - they dont!!! your best bet ould be to arrange an IVA...or ring a debt management company - i know its a pain in the a*** and it seems easier to run...but talk to someone about it they may be able to make ytour debt smaller...also try the citizans advice who will write to your creditors for you!!!
x |
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Japan_is_home
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Grab some nails, a hammer, and some other tools, and get repairing.. |
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tigers2424
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What ever you do don't go to one of those consolidated type loans. That will make it worse. Yes they pay off all your credit cards, but it shows up on your Credit report, that you consolidated your loans and Banks don't like that. You best bet is to somehow pay them off yourself. The other way is to take a Personal loan out if you can. (you don't own property so you can't take a second out). Take a personal loan out for the amount all your credit ads up too. If you get approved pay all of your cards off but one. PAY ALL OFF BUT ONE !! You don't need any more than one card. When you go ahead and get credit you may need in the future, future creditors don't like to see too much revolving credit !! So you retain one card and only use it for emergencies. Now instead of making 3 to 5 payments that probably add up to $400.00 or so you are making the one payment at about half of that. These are the 2 best ways. Good Luck !! |
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$m¤¤v¥ £¤¢¤
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First, it would help to know what makes up your score.
35% payment history
30% outstanding debt vs. available credit
15% Length of credit history
10% Types of credit
10% Inquiries and New Credit
1. What's affected the most is delinquencies. So by either negotiating "payments for deletion", disputing inaccurate information, and asking creditors to re-age light to mild delinquencies for goodwill, that will make the biggest difference next to...
2. Paying down the outstanding balances. There's a rule of thumb that you should keep your credit card balances at no higher than 30% of your available credit. I believe it should be slightly less than that, around 15-20%. By having a low utilization debt:income, it shows that you don't rely on credit heavily and are in a good position to get out of debt.
3. Be sure to show some kind of activity on all revolving accounts. Revolving accounts are credit cards, lines of credit. There should be light activity every month to show that the credit's being used but at the same time taken care of. Even though an account maybe paid off, using it and not showing any activity doesn't help your score.
4. Having a good mixture of revolving and installment credit. A mortgage, car loan, signature installment loan, line of credit, 3 major credit cards, department store, and a gas card is an example of a good mixture of credit.
5. If you have a close friend or family member that has excellent credit, ask them to add you as an authorized user. Make sure that the balance is fairly low, and that it's never been late. By adding you, the activity from the account reflects on your report.
6. And lastly, but not least... PAY ON TIME!!!!!! |
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