 Should I refinance my home? |
| I have a 30 year adjustable home mortage. I have paid on this loan for 24 years. I have 6 years to go and only owe $13,500 on the loan now. Adjustable rates are on the rise and I am on a fixed ... |
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 Is there a place I can go to view my credit score, instantly? |
I don't want to have to wait for a week to receive something in the mail that I have to enter to receive my score.
Additional Details
I tried freecreditreport.com and had to wait ... |
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 Is Credit Repair really effective and how much would you pay for it if it is? |
| A good credit report is very important for living a comfortable life of financial freedom but it's difficult to recover fom a bad credit report once you've made a few mistakes. Credit ... |
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 Does one delinquet credit card effect your other cards you have? |
| i have one credit card that is maxed and Im having a hard time paying the min payment. ive already consolodated the best I can....I have another card that has quite a bit of limit left and my ... |
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 Does anyone know where I can obtain a free credit report, from one of the three main credit bureaus? |
Without having to do it online (I don't want to give credit card info).
Main credit bureaus: Experian, Equifax, Trans Union.... |
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 Will paying off delinquent credit help? |
| I have delinquent credit from about 4 years ago that i havent touched....Its way delinquent. If I track down the creditors and pay it off how much will it help my credit...Currently I have a 608 ... |
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 Bankruptcy? |
| I have some debt, that I know I will never be able to pay off. Atleast in this century. It's not that I owe a whole lot of money, it's just that I am not the richest person on earth. I have ... |
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 I loaned some one money to buy a boat. This person failed to meet the requirements of the contract. what can i |
| My boyfriends son needed money for the purchase of a boat. I loand him the money and made up a contract with him for repayment . the boat was put up as colateral and I have a lien on the boat. He has ... |
|
 How do you manage your credit cards? |
| Just wondering how some people handle there high credit cards amount in order to lower them w/out consolidating! I only have one credit card and the dollar amount really isn't that high it'... |
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 A credit card for a 13 year old? |
| What do you suggest? I'm going to DC in April and I'm bringing a credit card (If I could find one). My parents said I should bring that and cash, because we need to pay for everything thats ... |
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| What can i do to make my credit report better? |
| recently i lost my job and had financial troubles. eventually it led to a cell phone, and one credit card company refering me to a collection agency. now i know it will be on my report for 7 years, ... |
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 Please Answer!!!! Help!?!?!? |
| Wells-Fargo is threatening to garnish my wages concerning a credit card I haven't paid in awhile. I haven't had the money and they have threatened to garnish my wages. Can they do that???... |
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 Cant pay credit card debt? |
I used to live in the UK and moved to US 3 months ago.
My plans didnt work out well and Im bankrupt, I dont have any debts here and can afford just to live on my earning but Im in debth to ... |
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 Are there any good sites where I can check my credit? |
| I got different credit scores from 2 different sites, why is this? if anyone knows of any good sites post them here, I would appreciate it, thanks.... |
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 Is it better to negotiate charge off amounts with creditors or pay in full? |
| should i negotiate a discount? or pay in full? whats better for my credit report/ does it matteR?... |
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X | How do you correct your credit score? |
I dropped a class in my local community college and did not pay for the class. They called a credit agency that adversly affect my credit. How do I correct this?
Additional Details
I went ahead and paid the bill but it still dropped my score a good 20 points. |
 |
 
johnnyactor
 |
You catch more bees with honey than you do with vinegar. Find out who at the college is responsible for the payment of the class. Negotiate with them to pay the debt, and then have them give you a "letter of retraction" to give the agency reporting to the credit bereaus. This will completely remove the colection from your credit once you submit it to the bereaus and your scores will increase dramatically.
Most creditors, all they want is an explanation. Running from them only makes it worse. You cant run from debt. Just call the college and explain. I bet if you get the right person on the phone you can the debt cleared, and a letter of retraction. Sell a good story-- |
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wpgcoder
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Credit repair - Tips & Tricks - http://www.affiliatetier.com/ |
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Walter M
|
Time is the biggest thing with credit scores. If you paid it off, then you have to check with the school ar the credit agency that they used to collect the money and find out if the notified the credit agency. Check www.annualcreditreport.com and request your free report from all three credit agencys. If it's on a report dispute it. |
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gum s
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Step-by-Step Credit Repair Guide
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html |
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catwomanmeeeeow
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If you register and then drop the class, you're usually stuck with the bill.
Call or write your college and see what their withdrawal policies are. If you withdrew before the deadline then they should at least credit part of your account. If not, then you're stuck with the bill. Pay it off to get your credit back on track. |
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peanut
|
My website can help you. You can check it out at.
http://alundberg.bettercreditpro.com/ |
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Dr Dee
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pay your bills on time. |
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ArmsAndMan
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You can improve your FICO score by filing a protest with each one of the big three credit agencies. You have the right, under law, to post a 100 word explanation, plus you can challenge the negative report items. You need to contact each agency separately. The three agencies are Equifax, Transunion, and Experian. All three have websites that explain how to file corrections. |
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paeradio
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Take a look at a book called, "Evil Money Evil Credit". Is has additional information which should be able to help ya out. There is a blog called, "How To Get Good Credit Gab" at
www. HowToGetGoodCredit.blogspot. com |
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Book Smarts
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pay your bills |
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Magick
|
Generally, with the situation you have, only time can correct it.
You could try to make a deal of offering to pay so long as they remove it from your credit score. consider getting it in writing before settling. |
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