 How can i repair my credit? |
| i have about $700 in unpaid medical bills.....im 20 so i didnt have any credit to begin with...how bad can my credit be and how can i repair it?... |
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 Time if would take to Improve my Credit score? Any answer is very appreciated!? |
| I have never had a late payment and all I want to do is pay my credit debt off, its just taking a long time becuase of the interest (From 9.9% to 18.35%) and of-course, the amount of debt. I make ... |
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 Car loan at age 18? |
| im 18 and i have no credit. but i have been working for a couple months and my mother has a good paying job but not good credit. i make over 900 a month and im on my last year in high school. i need ... |
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 Should I pay my collections account? |
| I have a medical collections account on my credit report that has been there since Jan of this year (2008). They have been reporting it every month as Key Derogatory (I have no idea what that means).<... |
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 How to get rid of a store credit card.? |
| I recently applied for a job at Macy's, but something came up and I didn't accept the job. I opened the mail today and saw a Macy's credit card! I don't know what to do, and I ... |
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 Credit payments made on due date, charged a late fee due to time difference. Unfair. Suggestions for action? |
| How is it that people on the West Coast can be charged a late fee, even though their payment is paid on the DUE DATE, just because the credit card companies on the East Coast want their payment ... |
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 Is there a home loan that I can get with a bad credit history and still have very low down payments? |
Additional Details
I live in Florida right now and hope to stay here. My credit score is in it's 300s, so that's pretty bad. Can anyone help me?... |
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| Does Debit Card (check card) work online shopping? |
| I was wondering, if i put in my debit card (check card) number on billing info for online shopping, would that work?... |
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| I am getting garnished for an 11 year old debt, by a 3rd party debt collector.? |
| Is there a statute of limitation on debt? I am getting garnished by a 3rd party debt collector named "Unifund". I have heard of shady practices by this company. I thought this debt was an ... |
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 Does anyone know if there is a fake check scam going on? |
I got an email from someone that wants me to depoist a check into my account for 48,000 the check looks real but im not sure if it is a scam any advice
Additional Details
Here is the ... |
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| Im in incredible debt. What are the best solutions to resolving this Debt? |
| should i pay off a certain credit card first and move on to the next one? Should I pay the minimum payment on all of them until they are all paid off? Any help or solutions? Thank you.... |
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 Have a couple of items on my report for credit cards I never requested or received ...? |
| Do I need to contact the company to request a copy of my signature showing I applied for them? Will they provide this to me?... |
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 How do I open a bank account when I have limited forms of I.D. and bad credit history? |
I am hoping to start a degree course next week and need an account for my tuition fee. Help please?
Additional Details
I am a tenant - no utility bills. My mother married when I was five ... |
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 Credit Cards.? |
| How am I supposed to establish credit if every credit card I apply for denies me???... |
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Michael A | My credit is 598 52 points from 650 who do i get it up there? |
My credit report score is 598 and 650 is good credit how do i get my credit to that number i have $7,769 debt on my credit report and that is various of debt not just one big lumb sum.
Additional Details
I do not have any credit card debt this is just medical bill and collections from a personal loan i got 4 years ago in which i paid most of it and have $45.00 left on and some from check collections |
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Gatsby216
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Credit Steroids, try your local GNC store. Just kidding.
Do you have any collections accounts. If so try to pay those off. Pay off debt. Do not apply for any credit, a cell phone, gym membership or other stuff could result in a credit inquiry. Pay off and do not use any small balance accounts, but keep the account open. Stop using open accounts.
If you have any closed accounts with delinquency history that are closed, pay those off first. If you are a sloppy payer and just seem to always be late for some reason. Get organized. Check on all your accounts on the 1st and 15th of the month. Pay accounts on your payday, not the due date, why wait X days. Based on your score ANY delinquency will keep your score down. Set payments above the minimums. If you are paid every two weeks, then pay every two weeks. Say your minimum is $65, send $40 every two weeks. It is easier to budget. If you have an oline checking account this can be automatically set up.
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og0925go
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Gatsby gave good advice. I would simply add that if you have credit card debt, for each card keep your balance less than 50% of the credit limit. Lower if possible, and keep paying your bill on time. This will help build your credit score. |
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Ozeki
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always pay on time |
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stephenweinstein
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Pay off the debt so you have less debt on your credit report. |
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dundealcreditrepair
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The easiest way to improve you score is to start repairing your credit. You can do it yourself very inexpensively there is a company out there called Dun Deal Credit Repair shows you step by step on how to remove items from your credit file and negotiate with current debt collectors to improve your score. I also suggest you get a secured credit card the minimum you need to open one is $300.00 you can open it at your local bank. This is the easiest way to start to rebuild while having a few items on your credit file. If you do open one of these accounts do not spend anymore the 20% of your credit limit. Always pay a little more then the minimum payment. EX: if the minimum payment is $10.00 send the credit card company $20.00 you will see a signifincant jump in your score in no less the 90 days. Start by ordering your credit file and start an investigation. Note: do not believe that if these debts are yours they can not be removed from you credit file. |
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Lady K
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You might want to check out this site - they can help you improve your credit score by using the law and they're 100% legal. They are also in good standing with the Better Business Bureau and do not charge those extremely ridiculous prices like those companies that scam. I used their service and was so happy that I did. They offered a money-back guarantee, were professional, and delivered on what they promised. Check out their website to read all about them. Let me know if you have any questions about the process - I'd be happy to help.
http://www.secureyourcredit.info |
|
ignyte
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Dan B
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various ways... paying on time, irregardless of HOW you get from here to there, is crutial.
You can consolidate your bills; if you have at least 6 months on each debt, consider a consolidation loan, OR A BETTER IDEA, call 1 credit card company, and increase your available credit, and move all the other debt to that one card (preferrably the on eyou've maintained the best credit with, and the longest you've held on to).
After they're paid off, CLOSE THEM, unless they're over 2 years old, then just leave them with a ZERO balance. If you haven't had any activity in the last 2 years, you shoul dclose them as well.
MAKE D.A.M.N.E.D. sure if YOU close the account, it says "Closed by CONSUMER" when the creditor updates your bureau report. if you don't pay attention, they will put "Closed by CREDIT GRANTOR" and that's not good. (This is what they're USED TO DOING when closing accounts).
Good luck... |
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