 Debt Collectors? |
| My credit card debt with bank of america has been bought by a collection agency, my question is can I go back to bank of america and settle with them instead the collection agency.... the debt is ... |
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 Bad credit marrying good credit? |
| I'm getting married next weekend. I have bad credit & my future husband has great credit. We have no joint accounts or debts. Every debt I have is solely in my name & every debt he ... |
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 I just got some mail and it stated that my credit score is 426 what is that? is it good, bad, average, what? |
| if its bad how can i get it back good again what do i need to do? casue alot of people say i dont have enough credit or none at all.... |
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 Should I pay off my medical debt or file bankruptcy? |
| I do not have any credit cards but have about 12k worth of medical debt, most of which is in collections - I did not have insurance and was not eligible for assistance. Now a new friend has offered ... |
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 I have two fraudently transaction on my credit report, will this make it hard to get a car loan? |
| I live in NY someone in Fl stole my identity bought two condos and have not made any payments on any of them. The bank and the cops are investigating but in the mean time their are two foreclosure ... |
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 Should I pay on and old debt even though on my report? |
| I have two things on my credit report (negative) under the name with one company not scheduled to come off untill 2012. It has since been sold to another collection agency, do I pay this agency or no ... |
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 Can I get a credit card with bad credit? |
| I've tried to get one in the past but generally the only ones I can get are pre-paid credit cards. I've never had a credit card before but my credit is so bad that everytime I try to get ... |
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 Question on Loan to repair credit? |
| my credit score is 580. I've been slowly repairing my credit. I'm 24 and messed it up when I was younger and didn't know any better then left it alone becuz I lost my job and couldn... |
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 Putting all credit card debt onto one card? |
| My husband and I are trying to get out of debt. We have a plan written down that would allow us to pay our credit cards off in a little less than 4 years. Sounds like a long time, but at least we ... |
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 Capital One 'cashback' Creditcard,are they a good idea? |
They offer you money back on purchases.4% for the first few months,dropping down to 1%.
I always pay my creditcard off each month,so this sounds great to me,so whats the catch?
Anyone have ... |
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 Yes loans have said my application was successful..? |
they said paperwork will be sent, and all i have do is sign for it..
when they mean sign for it will it mean i need to provide proof of earning etc? as ive never taken a loan out before..
... |
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 How high can your credit score go up after being very low? |
| My credit score is around 500. I'm 21 years old and I have made some pretty poor decisions regarding my financial obligations. (PLEASE, do not post any negative information or comments telling ... |
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 Is 522 a good credit score? |
| How good or bad is 522 as a credit score?... |
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 Does Anyone Know anyone who can repoair my credit? |
Does anyone know of any professionals who can assist me with repairing my credit file?
Additional Details
I live in Australia, so need advice relevant for here. I cant get a mobil phone ... |
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 I received a credit card in the mail at age 17 and I used it. Now, I have to go to court 8 years later, help! |
| I received a letter at my mom's house saying that I have to appear in court next week for an old credit card debt from Filene's or I will be arrested because there is now a warrent for my ... |
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James H | What is the best solution to repair your credit score? |
I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score. |
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Millionster.com
|
When you're trying to rebuild your credit score it's important to get a comprehensive view of what is actually affecting it...
Your Credit Score is calculated with the following breakdown:
35% - Payment History
30% - Credit to Debt Ratio
15% - Credit History
10% - New Credit
10% - Credit Types in Use
If you excel in one area and lack in another, only fixing the areas which you lack are going to improve your score.
I've got a lot of information on my blog about credit scores, and I get a lot of questions so feel free to check out any of my posts on millionster.com; I believe my articles here address many concerns most people have but if they don't and you still have any specific questions feel free to leave a comment and I'll reply.
How Can I Increase My Credit Score
http://millionster.com/articles/debt/ask-1mil-how-can-i-increase-my-credit-score/
and
10-Ways to Boost Your FICO Score
http://millionster.com/articles/debt/increase-fico-credit-score/
Also be sure to check out the promotional links I've listed here to help you get a better picture of your creditworthiness:
MyFico's Full Credit Report
http://millionster.com/go/myfico
Suze Orman's Credit Report Repair Kit
http://millionster.com/go/suzekit
30-day Trial of Credit Score Tracker with Free MyFico Score
http://millionster.com/go/fico30 |
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John T
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Many things can be done to improve your credit rating.... especially if you're planning a year in advance!
Check your credit report first and see what derogatory entries might be there. It can take several months for derogatory items to be removed from your report...
The Free Credit Report site is a great place to start:
https://www.annualcreditreport.com/cra/index.jsp
(Please note: this is Not the one you see on TV... that one charges for additional services... this is the Federally Mandated FREE Credit report site... I've used it myself, it is Free :))
After removing derogatory entries, the only other options are to be sure to pay On Time. Keep your balances low... Pay more than Minimum!
If you have a big ticket item you wish to purchase, pay it down quickly.
If you have several active credit cards... consolidate your balances on the lowest interest card(s). The more "open references" in your credit history, the more Risk the creditors perceive.
If you request a credit line increase on your lowest rate card and tell them it is with the intention of closing your higher rate cards, they should give you a good deal.
Here's a link to an ABC News report about lowering your credit card interest rates. It should help you understand how to deal with the credit card companies... and you might use it to save some money on your own cards, too :)
http://www.abcactionnews.com/news/local/story.aspx?content_id=0f86f45a-2ac4-4977-b982-6a68f4027e74
Be sure to close out accounts that you don't need... an account that is closed at the card holder's request is a plus - shows you're acting responsibly :)
Your credit rating won't change overnight... but it will change over Time if you work at it.
Good Luck! |
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SG Elite
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Clean-up all monies owed. |
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tomwill8517
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Just follow the 3 easy steps below to improve your credit score.
1)Pay off all debts in collections
2)Take out one or two unsecured or secured credit cards
3)Make your monthly payments on time
There is nothing a credit repair company can do that you can't. Good Luck |
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Vampir V
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don't spend more than you have. |
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See Saw
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Here are some step by step ways to repair your credit score:
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html |
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Sweet Eden
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Take out a credit card and pay it off on time every month!
Here is a great site on building credit:
http://www.creditinfocenter.com/rebuild/restore_credt.shtml
Building a great credit score takes about a year. Some hired companies promise a higher score in 2 weeks... this is not true! Creditors want to see how you handle debt over a period of time. Check the site... it will help you get started! |
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unluckygoose
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when my credit got messed up (thanks to my ex) I opened 3 small (300-500) credit cards with capital one. Capital one reports every month and let me tell you, this REALLY helped me repair it quickly. Of course the obvious, carry no balance and never be late helps too! |
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