 Will I lose my house? |
| I've recently separated. My husband accumulated $15,000 in credit card debt before he left. He isn't working now and is applying for disablilty. In the meantime he has no income and is ... |
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 Would this have affected my credit rating??? |
I had a debit card which was used fraudulently a year or so ago. It was cancelled by my bank.
I had the details of this card saved within the account section of a website i often buy ... |
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 Should people that go bankrupt have all there dept totally cleared? |
| i just think that if people go bankrupt they should still pay something towards there debt even if its a small amount. At the end of the day they got themself in that postion and should still pay at ... |
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 If a collection agency requests payment on charged off debt that was never on credit report, do I have to pay? |
| I received a letter from a collection agency addressed to my old name. I found it to detail an amount owed that I didn't recognize. I contacted the company (the person was very nice and ... |
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 What should I do with this debt? |
| A friend used my name to purchase a car and the car was later repossessed leaving behind a debt under my name. Now, a debt collecting company is haunting my family as I am no longer staying with them.... |
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 Is it true that my credit may suffer if I cancel a credit card? |
| I've got a credit card with no outstanding balance. The company cancelled the rewards program for which I originally got the credit card, and so I want to close the account. But my father tells ... |
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 I am in debitet,and no one abil to help me ,please anyone knowes what i have to do?without any bank krupy ? |
| i have got littil problem with my creditores,and no loan or credit card not abile to help me because i miss one payment.i am improving after that missing i never miss any other,but no one abil to ... |
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 My credit score is 729, is that good? |
| I am a 19 yr old Male in college, I just checked my credit score, is 729 good? How good?... |
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 How do i cash a $20,000 money order? |
| my friend wants to send me a $20,000 gift out of his trust fund. he lives out of state now though. but when he sends the money order in western union or fed ex, how do i cash it? i whould normally go ... |
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 What do I do about collection agency filing law suit over over credit card debt.? |
| I was given 10 days to respond to the petition. They are asking for 1500.00, I believe this is an old credit card that went to collection that the available limit was about 500. I need to write a ... |
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 Can you send a cease and desist letter to a credit card company -or does this only work 4 collection agency's? |
| Mom mom is in bad health and can not work, but Sears calls her daily harrasing her to pay a debt she is truly unable to pay. She has no real assest, so she is judgememnt proof. Would telling them ... |
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 Help Finding A Credit Card? |
| For my boyfriend. I don't know how his credit is. I would say fair to good.. Not bad or excellent. But what he is wanting to do is buy a cheap car (Under $2000) on a credit card (so his limit ... |
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 Paypal and Ebay? |
HI,
I have just sold an item for £250 in ebay and the fella who won has paid via paypal. It says that the payment from him is completed so i requested the funds are transfered to my ... |
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 What to do with check? |
| I have got a check it looks real for 2,940.00 dollars it is from Latex Finance Inc they say i have won 50,000 and the check is for help in paying some of the fees,from what i have found out this is a ... |
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 How can i figure out if someone used my ss number to get a credit card? |
| My wallet was stolen with my Social Security Card and Birth certificate in it. How can i figure out if someone has used my social security number to get a credit card? I have no other credit cards, ... |
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 Can a 15 year old have a check card? |
| what do I have to do to get a check card? what kind of account should i open up?... |
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 Bankruptcy and pets? |
| My husband is swearing that he remembers the bankruptcy lawyer saying that getting a new pet before bankruptcy is something they don't recommend doing. He is filing but I am not (we've ... |
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J J | How do I rebuild my credit? |
IN 2006 I HAD ABOUT 7 CREDIT CARDS (INCLUDING 1 STORE CARD). NEEDLESS TO SAY ALL OF THEM HAVE BEEN SENT TO COLLECTIONS/CHARGED OFF. HOW DO I RESTORE MY CREDIT? |
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Valley R
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Go to Green Path debt solutions. I paid off over $35k worth of credit card debt with them in 3 years. And they will help you rebuild your credit score as well. http://www.greenpath.com/ |
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Brenda
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This is a long road ~ however, pay your bills from this day forward is the shortest answer to the question.
Check in on your credit score at least once a year to see what has been deleted and how it is doing.
Be completely and utterly responsible for all of your financial decisions in the future ~ don't EVER spend beyond your means and ability to pay.
In becoming fully responsible for your life in this way ~ you will find yourself in great abundance. |
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me
 |
stop being stupid and buying junk |
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martian
 |
Once your debts are paid, it is 7 years before your credit history is cleared, if you don't keep on trying to get credit cards before that, as that lowers your credit score. Once your time is done, and you have some money, seek for credit even when you don't need it, and make sure you pay any debts with it immediately. This then starts to gives you a good credit score. Maybe taking a loan you don't need but paying it off promptly and completely, also helps build a positive credit history. Otherwise your credit history follows you, so better not to use any credit or cards, but just strictly cash. Someone talked me into a prepaid Mastercard from MoneyMart, but I guess the numbers are coded so I find it's no good on the Internet when many demand a credit card. You can check your own credit score from the 3 major companies like Equifax, ... Some charge but some give you your score for free, without affecting your score versus any place that is checking up on your record when you apply. Don't know your country as that affects your credit history too. It takes time and rules change over time, so research for yourself. Don't trust those who say they give credit regardless, as they have huge consequences that aren't worth it. Good luck. Actually it is a blessing in disguise as your personal information is not so accessible to the major centralization aimed for by big business |
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crzyjacks
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DO NOT RESPOND BACK TO THEM. Fight them directly with the Credit companies equifax experian and transunion. If you contact collections, you will verify account. Then you will have three collection companies collecting for the same account. Your credit will get worse!
First, clerify with the credit companies that you don't know who those belong to. Then you do what's best. contact me for this info...I hope you got hidden message |
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micheal s
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Here is a great site:
http://creditreport-s.blogspot.com/ |
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The right answer
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Here is a step by step article on how to rebuild your credt.
http://www.creditscorequick.com/2008/04/rebuilding-your-credit-report.html |
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heybulldog
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Stop playing the credit card game and worshiping at the alter of the almighty fico score. It doesn't work!
All it gets you is debt. You should know that by now.
Credit cards, along with the fico score was designed by banks to get people into debt and keep them in debt.
Pay as you go. Live on less money than you make and you will not have to worship the fico score. |
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VideoCreditScore
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You need to first learn about credit scoring. We have many video lessons - free - on our website. But i'll try to answer as much here. You want to focus on payment history and balances. So, settle your accts so you are up to date. Lay off credit cards for a bit so your amounts owed is zero. If all your cards are closed, you need to open a new card to start rebuilding, it can be a secured card if that's all you can get approved for, or after a few months of good behavior you might get approved for a low limit unsecured card. Pay it off each month, not the minimum, the whole thing.
The good news is that there are lots of people who have gone from 500s to 700s scores in 18-24 months. Time is your friend. |
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