 Trying to get approved for a 13000 boat loan? |
| I have two charge offs on my credit with a total of 3000 $. These items will be payed before applying for the new boat. I have a truck that was payed off and not late and I also have an active ... |
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 What's bad about credit cards? |
What are monthly and annual fee? Do I have to pay those amounts every month and year despite paying my credit card transactions on time?
My sister wants me to apply to old navy credit card ... |
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 How to you pay for things on ebay? |
| I really want to get something on ebay but I don't really understand the payment methods, if the seller allows payment to be money order does that come up as an option for payment method when ... |
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 How can a person rebuild his/her credit? |
| See my dad awesome credit score like what did he say it was, like 847? Something like that, anyway, he had back surgery in 2004, and was out for awhile and jacked up is credit bad. So his credit is ... |
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 What is a good credit card to start out with if you want to build your credit? |
| I have no credit and I am having a hard time getting approved becuase of it. Just wondering what kind of credit card I could get approved for that isnt ripping me off with fees.... |
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 Where is a good site to apply for a credit card or get info on a credit card? |
| I have average credit, and need to transfer my credit over to another card since the apr is going up on mine. So I was wondering if anyone knew a good place.... |
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 Credit cards: Are the card companies required to send a monthly statement? I only get one when I'm past due. |
| At least it seems like I have only been getting them if I don't make a payment, and I called today (15 Aug 06) and received a message that I didn't have a payment due. It would normally be ... |
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 What is better on my credit score? |
| After i pay off a credit card, is it better on my credit score to keep the card open with a zero balance, or to just close it completely?... |
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 Does parents credit affect their children's credit? |
| i am turning 18 years old and my parents credit has not been the best..and i was wondering if my credit will be affected? Also does overdrafting a checking account cause bad credit?... |
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 Debt consolidation , how it works ? |
| I have about 5000 of credit card debt , I rent so home equity wont work (i rent) I cant really cut down on stuff , my FISCO went from 740 to 505 in a year (financial problems). So i need help getting ... |
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 Poor credit rating please help? |
im in urgent need of 8000 dollars, where would i be able to obtain a loan quickly and that would accept poor credit ratings?
Additional Details
i dont mind paying a higher interest rate, ... |
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 Do i qualify for the car i want? |
| i started a new job 6 months ago but have been with the company 2 years straight. i make 14.75 hr work full time, i am going to put 7,000 down and want to buy a 15,000 altima my credit right now is 61... |
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 Hows long does a judgement against me stay on my credit report after it has been paid off? |
| I didn't pay tuition for one semester and the school filed a judgement against me....I paid off this judgement one year ago but it still shows on my credit report...the amount was for $6,500 but ... |
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 Can a creditor call me or my parents over my boyfriend's truck payments? |
| I've had one collection agent who has called me multiple times about my boyfriend's truck and his location. I have told him that I chose not to get involved in the situation and will not ... |
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| Pre-paid Credit card? |
| Do you have to be a certain age to get a pre-paid credit card?... |
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the need to know | Is it possible to have your credit cleared, All bad stuff and bankruptcys too? |
Can you pay a firm to remove this stuff? Is there anyone who has done this? |
 |
 
echo
|
If the information that is being reported is not yours, you can and should have it removed
If the information is yours but is reported with inaccuracies, you do have the right to dispute it. When you dispute it and it is not corrected within the time required it legally must be removed.
If the information is yours and is being reported with no inaccuracies, there is not much you can do.
As far as paying someone to do it for you - don't. Do it yourself.
Many of those credit repair organizations (CRO's) are underhanded and the FTC and states are working hard in going after them for their sleazy tactics.
You might do some reading in the links I have provided in my profile on here. To the FCRA, etc. Also check out the last link and learn, for free, how to repair your credit yourself. |
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Pravda
 |
No, all you can do is learn how to not to damage your credit in the future. |
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Vengeance_is_mine
 |
this all depends on where you live and how they keep their records. If it on your ID, Social security number then unless you get a new one you are generally stuffed. However if like in the UK you get bad credit you can move address and after a couple of years your reputation is repaired presuming your creditors don't find you first. Its quite interesting in Spain the debt is also on your address and inherited by the person who buys the property. |
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Steve P
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No. Only inaccuracies can be removed. An other info you get is wrong. See www.ftc.gov |
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TedEx
 |
You'll pay them lots of money to write a letter to the credit bureau telling them nothing they don't already know or care about.
--
But don''t just take my word for it. call the better business bureau, or a loan supervisor at a bank and ask them for their opinion. |
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SPIFIMAN1
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No you can not.
I quote from the 2007 Edition of the Consumer Action Handbook "Several credit repair companies advertise that they can erase bad credit for a hefty fee. Don't believe them".
Nothing can be removed from your credit report that is not untrue period. |
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beauty s
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no, u have to pay it and when paid in full u can ask for it to be removed.. |
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vivian416
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There's no such thing as credit repair. They advertise services like this everywhere. No one can legally remove accurate and timely negative information from a credit report. |
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lilpuppy6
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You can have all those things removed if they were recorded on your credit file by mistake, and doesn't belong to you.
But if they do belong to you, you just wait 12 years AFTER the last negative credit you created, they will all drop off.
If you can't wait that long, (why would you) then you need to start cleaning it up, no way around this.
It's really not that hard to do, and takes ALOT less time than11-12 years.
Good luck. |
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luisa_mapacha
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No. It is impossible.
Anyone who claims to be able to do this is breaking the law. They tell you to use a new address and your tax ID # to set up a new credit account, which is fradulent and you could spend time in jail. |
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