 Does asking for a copy of your credit report affect your FICO score? |
| I would like to request a copy of my credit report from one of the credit reporting companys to see my score. Does it affect my credit the same as it would if a lendor ran a credit check?... |
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 Bad credit question? |
| So I used to have really bad credit. But now I'm making really good money. Will I still always have bad credit?... |
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 Credit Cards? |
| Does anyone know of a place where I can get a credit card, guaranteed? I'm only 18 so I have very little credit, and they turn me down because of that. But you have to start somewhere, right?... |
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 What are some of the best ways to build good credit w/o a credit card? |
| I want to be able to buy a home soon but I don't think I have any credit history and my husband doesn't have the best credit. I would real working answer please, and thank you.... |
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 Last time i paid my credit cards was in 2005, they were charged off, now in collections, can I still be sued? |
| I checked my credit report recently, all the credit card companies have charged them off as bad debt. Can the collection agencies acutally take me to court to force a judgement? Can my wages be ... |
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 How can I improve my credit so that I can get approved for 30k unsecured loan or line of credit? |
| My income is 60K/yr, FICO score 675, 50K student loan in good standing, visa credit card with 3000 limit 3 years old always paid in full on time, 2 old collections reading paid in full on my c. ... |
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 Credit application Fraud? |
| A friend of mine cannot get credit. They have asked me if I would mind putting in a loan application for ÂŁ400 so they can buy a washer/dryer. He presented me with a completed loan application in my ... |
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 How to check if your parents have searched your credit report using your ss#? |
| My girlfriends parents are asking her weird questions about things that she has purchased on credit without even actually knowing that she purchased them. She thinks as do I that they are checking ... |
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 Is being 10k in credit card debt is bad. Please no advertisements.? |
| 1st thing i want to make clear is I dont want to be poked fun of or badgered. I posted this question a week ago and found nothing but negitive feedback and advertisements for bankrupcies and credit ... |
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 Ok credit but can't get a card? |
| My credit score is in the mid-600s (I forget what it is exactly) but I can't get a card because the balance on the card that I have is too close to the limit ($800 limit). I have been trying to ... |
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 Is there a free credit report site with no strings attached ? |
| Everytime I try to go to a "free credit report"website,it is never free.There is always a "catch".Are there any credit report sites that are absolutely free?... |
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 Does any one know anything about dave james loan lending firm from nigeria? |
| they offered to lend me money but i have to pay a transfer fee has any one used the.... |
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 Does your credit rating go up if you buy a car with cash? |
| I want to buy a new car because I want to boost up my credit rating so I can get a house later in life. Now I have enough money to purchase a decent car with cash. Will this affect my credit rating? M... |
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 Pay off debt all at once or little by little? |
| If I pay off my debt with a loan and pay under $100 a month, is that better than not taking out a loan and paying about the same per month and not being done paying it all off till about a year from ... |
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 How can I accept credit card payment from someone? |
| I have some things for sale and the guy wanting to buy them lives 500 miles away and wants to pay by credit card. Is there any way to receive his payment?... |
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 Getting my first credit card? |
| So im looking at getting my first credit card and its through CHASE. They sent me a letter asking me to send a copy of my Social Security Card & Drivers License....is this normal? If so how long ... |
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 Too much credit debt ... Should I use a credit repair service? |
| My CC debt is very high (>$30K), and the payments are getting too high. I have a great credit rating, but I can't keep up with high payments for the next 20 yrs. Should I use a credit ... |
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| What if I got a credit card over 1 year ago, have since moved, and don't know where the card is? |
| and don't know how to contact them for a change of address. I already checked my credit report, but don't know how to contact them. will the card eventually expire? What if they send the ... |
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 How to build credit? multiple cards? |
| Does having multiple credit cards help get you more credit? I have a college visa card, and I use it very often, but a friend told me I should use multiple credit cards to build more credit.... |
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poonspoonspoony | How does one repair a bad credit history? |
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 |
 
hazeleyes1279
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Unfortuantly you can't erase bad history you can only make better decisions the next time around. If you have credit card bills try to send more than the monthly payment and send it in on time!. Late payments on bills look really bad, also try not to have to many accounts open. If you have 4 credit cards try to pay them off and close down at least two. It is good to have open credit, but not good when you have outstanding balances on all of them. Don't put things on credit that you can easily pay cash for. It is the simple things that can really make a difference. |
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micky b
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Hi.
Try this well recommended site for credit repair :
http://qurl.com/ksh9f |
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stephen l
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I recommend credit repair unless you have lots of time and a high tolerance for aggravation. Some things are better left to the professionals. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact. |
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Missy
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Pay off your debts. |
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beauty s
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pay off all debt and pay bills on time |
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Dewey K
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Anything that is inaccurate can be challenged. Actually you can challenge anything but that does not guarantee removal. But I found a great website that has credit attorneys who can get some items removed that you might not. Here's the site:
http://www.1-800badcredit.com/bad-credit-repair.html
http://www.1-800BadCredit.com
They have some great information about this also that you need to read. |
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twv23512651
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First, make sure all the information on your credit report is accurate.
Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.
Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.
Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.
Repairing your credit and improving your credit score is a slow process that takes time. |
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