 Repairing my own credit report.? |
| I have decided to start repairing my credit on my own. I have a few paid collections on my credit report. Do I contact the collection agency who reported the bill or exquifax to have these items ... |
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 Im going to open a credit card acount to get my credit score up but I don't know any thing about the credit |
| termonology and where can I learn about choosing a credit card that's right for me and not to expensive?... |
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 My fico is 610, income 65,000/ fiance 680 income 50000. Should we apply for home loan together or just him? |
| Should he buy before we get married. my low FICO is due to past charge offs that are about 5 yrs old. We would probably qualify for more money if my salary were included, but we don't want to ... |
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 How many credit cards SHOULD I HAVE? |
I am 21, and have 1 credit card with a $1250 dollar limit.
I am just starting to build my credit, bought some furniture and I am paying it off every month. I also never miss any payments on my ... |
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 Will I be accepted? |
| Im 6 and a half months pregnant, I start my maternity leave in 2 months and I am going back to work full time when my baby is 6 months old, Will I be accepted for a mortgage as I am currently renting ... |
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 Does credit card debt add interest if unpaid? |
I had a credit card over 5 years ago that I used and only paid less than 10% of it back. I completely set it aside and forgot about it.
Let'd say my debt was $1000. Now, 5 years ... |
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 Old roommie opened credit card in my name? |
| Long story short, I checked my credit yesterday for the first time in years, and noticed a closed American Express card that is at collections. Shock to me! In researching, found out that my ex-... |
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 Why is there a payment due on my Discover Card that I haven't used in a long time? |
| I haven't been using this card lately. I don't know why there's a payment due when i didn't even buy anything with the card.... |
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 So what can "they" do to me if I quit paying my credit cards in the state of Tx? |
do to the fact i can no longer afford to pay them.
Additional Details
not that i want to quit. I borrowed the money by using the credit card therefore i should pay it back. but things ... |
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 I am way over my head in credit card debt, like $24K. Is there hope for me for bankruptcy (see details)? |
| Because of medication that I'm required to take and have been on since 1999, since I have no medical insurance, I've had to continually throw the costs of meds on credit cards. I'm ... |
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 Statute of Limitations for student loans? |
| I have a student loan, part of it is provincal and the other is federal is there a statute of limitaions on these loans. They reported on my credit buera but have come off because it has been 7 ... |
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 Co-sign a car, will they check my credit and other things? |
| If i co-sign a car loan for my friend, will they check my credit (employment and all the stuff), and also do I need to provide all employment history and stuff?... |
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 Do Americans spend more money using credit cards or cash? |
| I heard that if you pay for everything with a credit card, you end up spending 12-18% more. Is that true? Please include sources if at all possible.... |
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T b | What is the easiest & cheapest way to clean up your credit? |
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smile4cobra
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Go to www.annualcreditreport.com
get a copy of your free credit report. Than call each creditor or bill collector yourself and tell them your having financial hardship and that you would like to settle the account.
The will quote you a lesser amount to pay and close out. Make sure you get all your deals in writing before you pay them. Also they may say if you want it deleted from your credit report than you will have to pay in full...get that in writing and than pay. Negotiate to where you can get it off your credit and make settlement not payment in full. If they ask you to make an offer first...start at 30%.
If you dont owe the debt...call the credit reporting bureau and dispute it. Than send a letter to the bill collector requesting validation.
If you do owe the debt dont bother disputing or asking for validation like some people tell you to...its a waste of your time cause the bill collector will than validate it and get pissed off cause they think your trying to play them for a fool... so they will sue you and retain judgment than that stays on your credit report for 10 years. |
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doanel
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Negative items stay on your report for seven years. Just don't get in to any more trouble, let the seven years go by, then you will have a great report again. I know this for a fact, because I had to go thru it due to a bad marriage 15 years ago. |
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STEVEN F
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Its not very cheap and definitely not easy, but the BEST way is to spend less then you earn and pay everything off. This my require a second job for a while. |
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agent
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Depending on whats on there and the actual severity of your credit problems,. If it is just mild then the best thing to do is consolidate through a 0% card or through a sig loan from your bank, start paying down the active debts, and if you have anything in collections settle for 50% or less of what they claim you owe, its easy to settle and can save you tons |
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starfairy181
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Go to the forum section of www.creditboards.com and READ READ READ |
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Celz
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i would say by doing it yourself. i did not have much to pay off but i was not making payments which ruined my credit score. with my tax refund i paid off three accounts i had. one was for a closed credit card in the amount of $200, a store credit card in the amt of $400 and a cell phone bill that was never paid which was about $200. what i did was i called the companies and asked if they could knock off a few late payments because i was ganna make a payment in full, in one shot and they all did. after the accounts were paid i disputed the items so that the credit bureaus could update my info and indicate that all account were paid in full. my score raised from 513 to 632 in less then a month. i suggest that you negotiate the amount to pay if a collection agency is handling the account so that you could pay less because we all know that the amount they request is actually the amount with all the late fees and non payment fees added which can make a big difference on the original amount that u actually used. if you rcvd late payments most companies would knock off 1-2 especially if you are paying the debt in full and have never requested to have a late payment removed. |
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Sweet Dreams
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just pay your bills off little by little |
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kee2
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get credit rreport. close accounts that have zero balances. If they have a balance transfter over to lower interst card to have less cards. try to pay them off on time. ask credit card companies for a lower APR ont he phone (they can do it) |
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Mrs.H
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Establish new credit and pay on time!
Dispute negative items on your credit report from all 3 agencies. |
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gohome
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ever watch fight club? haha(you won't get that if you never seen it...) |
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