 I need a $10,000 loan, but I have no credit!? |
| I'm 21 years old, and my parents have offered to buy a house for me, and I would be making the payments back to them until the house is paid off. However, I need to come up with the downpayment. ... |
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 How Do I get good credit...? |
| I have bad credit.... mostly from overdue bills or past due bills. How do I straighten that all out without using one of those credit counseling places? Any help would be great.... |
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 Payday Loans?? |
| Okay, I really need about $100 because I had my grocery money, but lost it, and I have a child to feed..so it seems the only choice I have is a payday loan..so are there any out there that are legit? ... |
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 Can minors be responsible for bad credit when it is their parent's fault? |
| I am a minor...15 years old to be exact , and I am wondering can i be responsible for all the things my mom has done with my credit like putting utilities under my name...borrowing books and ... |
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 First time home buyer? |
| I would like to buy a condo, but my credit is bad. My score is, 567. I have no debt now, but i was stupid and had late payments, defaulted on a student loan, never had a credit card. Aside from my ... |
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 Does co-signing on a loan hurt your credit score? |
| My husband was going to co-sign for a student loan but he's worried it will hurt his credit. Can someone justify his worries?... |
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 What are the best credit cards for college students? |
| I'am starting my second year of college and after I pay all my fees I really dont have much money left for books and such whats a good credit card with at least a 500 dollar ... |
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| My mother has a lot of credit card debt and asked me to research debt consolidation.? |
| She has over $25,000 of debt and has trouble making the minimum payments. We do not own a home and pay rent and auto loan monthly as well as the usual expenses. I looked at debt consolidation loans, ... |
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 What credit card should I pay off first? |
| Hi I am serious about paying off my debt. I have heard it's better to pay off the cards with the highest interest rate, but the cards with the highest interest rates also has the lowest balance.... |
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 Will starting a debt management program ruin your credit score? |
Additional Details
I have a decent credit score and have never missed a payment. However I find that I have to borrow from my credit cards to pay monthly bills. I am starting a dmp as ... |
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 I receive an email from company called:The Free Lotto .that said i won lotto prize. it can be real? |
| I receive the email that inform me won a big money prize from england.is it can be real or a kine of joke?how can i know this?... |
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 What's a good credit card to get? |
| My Sears card is absolutely horrible with their interest rate. I am going to pay off the remaining balance and try to get another credit card. I woudl love to close out Sears but I was told through ... |
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 Loan-shark killed? now what? |
| I had a loan with a loan-shark... My payment was due 5 days ago... I have been calling and leaving voice messages... no calls back, which I found weird becasue this guy was very sharp about payments ... |
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 What should I do collection agencies won't clear negative information from my credit report? |
| Collection agencies have not removed negative information from my credit file even though I PAID all my credit card debts. Now what should I do I called and told them to remove the invalid ... |
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| Credit cards? |
| My question is, i have 2 credit cards and i have significant income right now, but my credit is not the greatest. I am still building it right now. If i mailed in copys of my pay stubs, what are the ... |
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 My credit isn't so great but my rent is really high so I reckon I'd be better off with a mortgage...? |
...can anyone advise me on companies that will take me? Considering the price of houses I would need a fair amount and I could get a deposit although nothing great!!! Help!!!
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Philip C | How to remove past credit history and increse your credit score? |
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Well, there's not really a clear-cut way to "remove" past credit history, unless the information is incorrect, then you can do a method called "debt validation" in which a letter is sent to the collector or original creditor in which they prove that not only the debt's yours, but the information's correct as well. If they're not able to provide proof of this, then you're entitled to have it removed from your report, but if they're able to verify that it is yours, then chances are the information will either be corrected or it won't change at all.
Even if the debt is yours you still can neogitate a "removal payment" or a "payment for deletion" which is a payoff amount given in exchange for removing it from the report. You can use the statute of limitations as much-needed leverage when you negotiate. What the statute of limitations is the time limit a creditor has to take you to court and sue you for what's owed. I posted the link to the statutes of limitations for each state. I also posted a link that gives tips on how to negotiate getting negative items removed from your report as well. |
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just me
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theres no way to remove them but when u cancel credits cards then dont do it. instead either cut them in half and throw them away or burn them. if u call to cancel ur card the company will think that u owe money |
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Barbara S
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Maybe you can try below website to get the information you need. It's about increase you credit score articles for your second opinion. |
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da dude
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you can't remove it but they usually look at the past 7 years, I think. So, just do better. |
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Flower Girl
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You can't remove your past credit history, you are stuck with it! |
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Dewey K
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If the information is accurate it cannot be removed however if you feel it is innaccurate you can challenge it. I found a website that answered that and helped a friend of mine get her credit score improved. The site is http://www.1-800BadCredit.com
Follow their links and you will get help. |
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mohanraj a
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hi u improve ur credit score very fastly visit this site full tips here |
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Fico C
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Depending the reason of why they need to be removed. If you have items on your credit report that are incorrect. Then it has to be removed. The items on your credit report have to be accurate in order for it to be there.
So again, it depends on what it is exactly is going on with your situation. If they are very old accounts, over 4 years, then there not affecting your over all fico score. But it has to be in a "charge off" state. If not and your in a "collections" state, doesn't matter how old they are, they can affect your credit and bring it down.
Make sure you take a look at your credit to determine, what's going on.
http://www.ficocounselors.com |
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The Loan Arranger - ABQ, NM
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There are credit repair companies which, we recommend here in Albuquerque. You can also contact some on line but, my experience with on line companies hasn't seemed to be very good. They seem to take your money and don't respond to your e mails.
My advice is to attempt to contact someone locally if that's the direction you wish to take.
The "Loan Arranger" Albuquerque, NM |
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joyceeleann
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You pull up your credit report..call the creditor you own..and state.. you will pay them in full to remove the negative on your credit report..everyone is hard up for money..they will do..just pay them off. |
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