 College student with huge debt from my boyfriend...help!? |
| My boyfriend left me with a $4000 cingular bill. It is way past due. I've been making many payments. I still owe about $1200. I learned my lesson this time, but meanwhile I don't know ... |
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 Debt Consolidation? |
| I have several credit cards, all of which have substantial balances (totaling about $14,000). I'd like to contact one of those debt management programs to see if I can consolidate my bills and ... |
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 Establishing and keeping good/great credit? |
| Hi! I'm 21 and new at this whole thing. I admit I don't understand much about credit and stuff but I am learning. My parents had/have pretty bad credit. The problem for them was a bunch of ... |
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 Harrassed by Bank of America credit card collection agent? |
| A women from the bank of america credit card collections agency keeps calling my phone calling me Amy and saying that my account is in collections and I need to pay if off! Well for one I've ... |
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 I missed my credit card payment with AMEX by 2 days, how bad will my credit score be? |
| Unfortunately this is my first card and my first month payment that I missed as well.... |
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 Is this some kind of joke? |
phoned a garage to buy a new car, i needed to borrow £4000 to buy the car i wanted so asked them to sort me some finance out.
they said the finance company will phone me back soon.
... |
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 Credit check? |
People say their credit is like 700 or something. How do i check my credit and what is good credit? How can i check it without paying stuf!?
Additional Details
I accidently payed 7.97 ... |
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 Job interview tuesday,why do they need a credit check?? |
| i have a great job offer,pay,benefits however they do a background and credit check.this is ridiculous,i'm ok with criminal bg check but why credit check? wouldn't be too good,my credit,... |
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 What is a good unsecured credit card to get after you file bankruptcy? |
| I need a relaible card with a high limit, low annual fee, and low APR but that is unsecured? I filed bankruptcy a year ago and want to work on getting my credit score up???... |
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 Is Amazon safe to buy from using credit card ? |
| Hey am thinking about buying the PS3 with a few games from Amazon.com, am using my girlfriend's credit card and she's really scared about losing her money. I don't want her to lose ... |
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 Someone used my credit card and told me they would pay me back but haven't, can i sue them? or just deal? |
| An ex boyfriend of mine you'd my credit card to make ALOT of purchases. I alowed him with the agreement he'd pay me back. But has not and it's been over a year! The credit card yes, ... |
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| Credit scoring confusion? |
| I had a credit card back in the 90's. I closed it in 2001 with a balance of $5000 when I got laid off. I tried to keep up the payments but couldn't and stopped paying. It is now on my ... |
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 Do I need to pay off a credit card statement balance and recent activity to build credit? |
| When I recieve the statement of my credit cards, it tells me the statement balance for example is $100. It also shows recent activity since my billing cycle ended, for example lets say $25. I have ... |
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 I need some credit and i have no money what can i do? |
| for my mobile i'm only a kid but still i need 2 soalist (can't spell oh well) and my parent dont get payed for a while is there anyway i can get free tx's with oyut spending my money?... |
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 If I went to a real court,judgement against was rendered by a phony judge, do i need to pay judgement? |
| I went to court in cook county circuit court after my credit card co. who told me i was in good standing, alledgedly sued me for a judgement on a credit card fraud. the small claims court judge turns ... |
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 How do i get a credit card when i have bad credit? |
| most credit card they send the states one i want to try to fill one in for ... |
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 Best way to improve credit score? |
| My credit score is bad. I was young and dumb and now I'm paying for it with a score below 600. Its hard for me to get a credit card application approved if I apply. I make good money and in ... |
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 Can my boyfriend and I apply for a car loan as co-applicants? |
| We need an extra car. The dealership says that I make enough money to finance, but my credit score isn't that good. My boyfriend doesn't have the income, but he has a good credit score. W... |
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yellow | What's the best way to clear up credit? |
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Lek
 |
Wait 7 years
thats it...just wait |
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Tim
 |
paying off OLD debt won't improve your score. the best thing you can do is pay all your current bills on time. :) |
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SAJP
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I cleared up my credit by getting one of the high interest rate credit cards and paying it off. Then I bought a car and financed a portion and payed it off. The other thing I would recommend is to monitor your credit report carefully. If something wrong is on there you submit a request to remove it and they have to substantiate the claim or remove it. Also things are supposed to drop off after seven years. You are legally entitled to a free credit report each year from each credit reporting agency. |
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LeoL
 |
I've been taking mental notes of the bank across the road for some time already... |
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traffic814
 |
best way is to pay it off all at once.
------------------------------
http://www.bestcreditrates.net |
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supercreditguru
 |
The short answer:
Correctly handle some but not all of your old bad debts. This was the biggest chapeter in my book.
And correctly rebuild credit. There are some amazingly fast ways of doing this. Its part of my consultation service.
see below |
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men t
|
consolidate your debts and make one payment
Consolidate Debt
http://www.debt-explained.com/category/Ways-to-Consolidate-Debt.html |
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kekeke
 |
Pay it off. |
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Charles F
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Paying off your credit won't clear it up. Negative information stays on your record for 7 years. Even if you pay it all off you will still be looked upon as if you didn't pay any of it off.
Here is what I suggest.
Pull your credit report with Equifax, trans-union, and Experian (one or all of them) and deny all the negative credit information. You can do this online. The credit agency will try to verify the information with the creditor. If the creditor doesn't reply in 30 days (majority of the time they don't) then by law the Credit Bureau is suppose to remove the record. The older the record the less likely the creditor will respond.
There is also a law firm that does the above for you for a nominal fee. http://www.lexingtonlaw.com/
Get a Visa/MC through companies who extend credit to high risk individuals to re-establish your credit. Some offers may require a security deposit. |
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