 How do I know whats wrong with my credit? |
| I am 19 years old and I haev tried to get some credit facilities since I was 18. I decided to get a copy of my credit file because I have been refused credit. But the funny thing is, I got 3 credit ... |
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 Credit Card question.? |
have a Sony Financial Services Card, (just like a MasterCard...)and I was wondering if I didn't buy anything on it for a couple of months, or years, would they charge me?
And, If you ... |
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 Has ANYONE ever opened a bank account over the PHONE? |
| I've been wanting to try but I'm afraid that they'd reject me. Has anyone ever been turned down for a bank account and if so, why?... |
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 Could I get a loan on a house for 11,000 down? |
| Ok if I had good credit the answer would be simple. Though I dont know my credit score exactly affraid to look lol, I know it cant be great I owe like 12,000 in doctor bills, 2,500 in past due rent, ... |
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 Is it better to pay off a credit card in full each month or pay the minimum balance? |
| is it better to pay off a credit card in full each month or pay the minimum balance which 1 will help my credit the ... |
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 I have terrible credit and can't even get a basic bank account but need one for when i get ajob?? |
Any suggestions is there a bank acocunt for people with adverse credit that doesnt cost anything or isn't too expensive?
Additional Details
I don't owe any money to the banks ... |
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 What does this mean? |
Acredit card company sent me a card. The credit limit is 300.00. They charged me 178.00 for the card. So, now my limit is 122.00 What's that all about? That's crazy.
A... |
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 What is the best way to pay off these two credit cards? |
| I have 29K in credit card debt, with 29.9% interest on both. If I get 15k cash given to me, would it be better to pay off one card or pay each one down half way? Please let me know, I'm ... |
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 Can you really gget crimally procuted by ...? |
not being able to pay back credit cards i am on a fixed income and got overwalmed and now whats going to happend to me
Additional Details
i did tell them my income was higher than it was ... |
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 I have really bad credit, does anyone know where i can get a credit card? |
| My empirica score is around a 520? PLease let me know if you have any ideas, I would like to rebuild my credit.... |
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| My pay is being garnished for a student loan.Now the bank is too because of a auto loan.Is this legal? |
| I get garnished for 500.00 a month.My car was reposed and I am already being garnished for a student loan 160.00 every two weeks.Now the bank that financed the car is garnishing my 100.00 every pay ... |
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 Credit problem....???? |
| I have no credit and I am trying to build some...I applied for some credit cards but can't seem to get any. If my boyfriend gets a credit card and puts me as a second card holder, will that help ... |
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 How will this effect my credit? |
| Last year I had to make some emergency expenditures and racked up a few thousand in credit card debt. I have been shifting this debt from card to card to take advantage of the low initial rate on ... |
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 I'm broke living in london help!? |
| as soon as i get paid i pay off last months debts. how can i make a fast buck. open to all suggestions, would prefer legal ones!... |
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 Why do you have to PAY for a FREE credit report? |
| Every credit website I've been to wants me to subscribe to a monthly plan....what happened to my FREE credit report!!!!?????? How do I actually get a free report without paying....?... |
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 I need to get a loan for college in a quicky does anyone have any ideas of how I can go about it with out? |
| I need to get a loan for college in a quicky does anyone have any ideas of how I can go about it with out a good credit, must not be federal, no co signer, and nothing that is silly. I need a ... |
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christile21 | What's the best way to get rid of or erase bad credit.? |
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 |
 
Kevin K
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People who have bad things on their credit for several years just don't know their rights. There's something called the Fair Credit Reporting Act and Fair Debt Collections Practices Act, that you will want to become VERY familiar with if you want to protect your credit.
First things first, bad items may remain on your credit for up to 7 years, BUT THEY DON'T HAVE TO. There is no law saying an item has to remain there. That means, you have to start battling the companies to get these items removed.
Whenever an item goes to collections, there is something called the Date of 1st delinquency. EVERY company that sends an account to collections must provide this date to the credit reporting bureaus, so that items may not remain indefinitely on your reports. You can challenge most items as "past the 7 year reporting period", and for others, you can request "debt validation".
Debt validation is probably your most important tool. Here's why: when a company has a collection account, they can't just place this on your report. They first have to send you a letter telling you that you owe the amount, and if requested they will get proof of the debt...this is validation. Guess what? Most people NEVER ask for validation! So even if the debt is not theirs, they have it placed on your reports. You always want to ask for debt validation first..look it up on Google.
These are just some of the things that are within your rights to do. Read up! There are lots of laws that are on your side. |
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baconshmals
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There are different answers for different circumstances.
If you own a home, my suggestion is to refinance. With a good loan officer, time, patience, and a bit of self control, you can gain a hold on your debt and improve your credit score significantly.
The company I work for, Aapex Funding, has a program designed specifically for situations like this. It's called our Credit Repair program (I never said we were creative with naming our programs... we are however creative in helping you improve your credit). This program usually raises a persons credit score by about 100 in less than a year, and I've scores improve over 120 points in that amount of time.
For more information, or a consultation at no cost to you, email me or check out our website.
Baconshmals@yahoo.com
http://aapexfund.com/ |
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RedSoxFan
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The only way is to pay all bills on time over a period of several years, until you have developed a pattern of good credit. |
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Eddie
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waiting a lot of years and paying on time |
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T
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Generally, on your credit report - signature credit lasts seven years, bankruptcy about 10 years. Except for bankruptcy, most creditors have to charge off your account after 150 days of not receiving a payment from you and turn it over to a collection agency, which can get ugly. Check out the website below for help depending on what you want to do about your bad credit.
http://budhibbs.com |
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Shari
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With computers.....it's out there forever! It is so hard. You have to pay everything, including utilities, by the due date. Then you have to be able to guarentee that nothing bad will happen and you will be able to pay everything on time. Not gonna happen. No one knows what is going to happen to them. And no it does not go away after seven years! I'v got stuff on there from the eighty's that I filed on bankruptcy that is still on there. They won't take it off. I have heard of a place, don't remember the name, that if you pay them three hundred dollars, they make them take that stuff off. Just don't get things on credit. If you can't pay for it, wait till you can. That is where most people get into trouble, getting credit cards. |
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sen
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Consolidate them into one bill and then pay them off. Their are companies out there that can help you out. Good Luck. |
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GRUMPY
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This will take roughly six months, BUT all you have to do is pay your outstanding debt/s on time in a timely manner. The time part basically shows your history of paying on time in a consistent manner. Once this is established your rating will increase. |
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m-t-nest
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Pay all of your bills on time for 5 years. |
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wolfs_bone
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there are some that say No credit is actually worse than bad credit. I was in the army, and paid cash for everything and when I got out , had ZERO credit, I had to get a co-signer to buy a house. Pay your bills on time buy something small like a washer dryer on credit, pay it off on time, even your utilites and other monthly expenses show up in your credit report, so be consious of those as well. |
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loco_purple_haze
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Pay ya blasted bills man |
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Big Jay 7
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http://www.datarite.info/Credit/erasebad.htm
lots of info here |
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wc_bot048
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Wait 7 years and it gets deleted. all of your credit scores are deleted after 7 years of no activity then you can start a new credit history. |
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