 What do I do? My mom ruined my credit.? |
| I need help!!! I'm 25 years old and have only held 2 credit cards in my posession that I always pay over the minimum amount or completely if possible and a student loan that in deferment till D... |
|
 Debit card question? |
once ive withdrawn the maximum amout from an ATM can i still use my card in the supermarket to make a payment? ( dont want to be embarrassed at the checkout!)
Additional Details
ha ha! ... |
|
 Should I cancel my credit card? |
| I currently have 4 credit cards. I tried to cancel one not too long ago. It's the card that I've had the longest - but use the least. Anyway, a charge automatically got sent to the card ... |
|
 Very poor credit and makes 50K--Fiancee has great credit and makes over 400K-Will lenders look at both scores? |
| I have very poor credit because of some embarrassing mistakes I made with credit cards. I am trying to rectify this, but am getting married in the next year to a man with fantastic credit. I make 50... |
|
 My credit card bill was a few days late this month. Will this affect my credit rating/score? |
I've heard somewhere that the bill must be 30 days late to matter.
Additional Details
Also, does it matter that the credit card is through my bank?... |
|
 What's the difference between Chapter 7 or Chapter 13 Bankruptcy? |
| I'm filing for bankruptcy...I'm not sure which to file under. 7 or 13?... |
|
 Do I qualify for the auto loan? |
| I am 19 years old. I am in USMC Reserve. I don't get paid much but I do get paid enough to make a $ 300-400 payment on the loan each month. I live with my parents. I can get a job after I get ... |
|
 Debt collector won't collect!? |
| Ok, so I have an old credit card that went into collections last year while I was in college and poor. The bill was only 500 bucks, and now I want to pay it off and get it removed from my credit ... |
|
 If I can not make car payments can the bank sell my house to get the money owed? |
| If unable to make car payment can the finance company sell my house? Can they enter my locked garage to reposses the car? Can they take money from my pension and or social security?... |
|
 I'm 18 and credit score is 613,? |
I have no credit cards yet, but I applied for a few the other night. IS this a good score for someone of my age to start out with?
I don't know why im worried but I am :(... |
|
 Is 11% a bad interest rate used 2007 SUV?......Refinance? |
| I bought a used 2007 chevy trailblazer with 12k miles. (I'm out of the country alot so I probably won't put more than 6k on it a year) The sale price was 21k and the payments are 400 per ... |
|
 If a payment was made 10 years ago on a debt does this limitation still apply ? |
| the limitation on debt collection is 6 years yes,, if a payment was made does the 6 year limitation still ... |
|
 I am 13 going to be 14 can i have a prepaid mastercard? |
i am 13 going to be 14 can i have a prepaid mastercard if i can can i by anything with it like tv speakers compouet etc..
do i have to pay evry ... |
|
|  |
Tori L | Where would I start first on repairing my credit? Should I get reports from all credit agencies? |
|
 |
 
Jon B
|
Yes, the first thing you should do is get a copy of all three of your credit bureau reports. As the prior answer states you are entitled to one free copy of all three bureaus every 12 months. You can access these by going to www.annualcreditreport.com . This is website ran by the federal government and the major credit reporting agencies. Any other website you go to claiming a "free credit report" is a scam or sales pitch more often than not.
Once you receive the copies, look for any errors, corrections, or missing items and file a dispute as necessary. When you receive your credit report, you'll also receive information on how to file a dispute.
Going forward, be sure to make all payments ON TIME. That is the single best way to start improving one's credit. |
|
pop-pop
|
As you are entitled to a free credit report from each of the 3 reporting services, only ask for one per quarter (every 4 months.) This way you can get 3 per year at different times. It will give you a better look at your situation throughout the year. e.g. Choose Transunion now, wait 4 months, get Experian, wait 4 months, get Equifax. |
|
♥Tom♥
|
You should get the free reports from the credit services each year so that you can make sure nobody else is messing up your credit...
to repair your credit.. first pay off your debts...
save up some money to buy something like a new computer (but
then get an account to buy it on time.. that will take you just over a year to pay off (the reason you save up the money first is so you are SURE you can pay it off without being late or missing any payments)... your account should take at least a year to pay off or it won't increase your credit much.
at the end of that year your credit will be better because you have a history of making payments on time and paying off your debts... do it again. |
|
Rose T
|
I used these guys. They were great.
http://www.nwbusinessadvisors.com
I would recommend them to everyone. In fact, I have. |
|
je094
 |
Yes. Keep in mind you're entitled to a free credit report from each of the credit bureaus each year. It's important to contact each bureau because some creditors report one bureau and not the others.
Once you have the reports, look them over to make sure all the information is correct. If it isn't, follow the procedures for disputing your report.
You could also consider credit counseling. It's very common these days for people to utilize these services. |
|
howard w
 |
Yes you should start by getting all 3 reports and matching up accounts, finding out all errors,then doing your disputes keep track of all you do and when you do it,lay out a plan cause it will take 90 days to really see improvements.bad credit can be cleaned up trust me, no matter what you do now days the one thing they will want to see is your credit, the world looks at credit as"Your word on paper" Jus ask yourself what is your word to repay saying about you ? |
|
FX1
|
Yes that just where u start u must know who and what is saying that u owe them money you must write letters to dispute the debt the company has i think it's 30 days to respond if they don't it will get took off your credit report with each letter they must respond an when they don't pop! it's off it's takes time but it works remember stamps are cheaper then a $800.00 credit repair guy. A good book to buy "Repair your own Credit and Deal with Debt " by Brette Mcwhorter Sember Attorney at Law (Sphinx Publishing) you will love it trust me! Good Luck |
|
Nikki
|
you can go to free credit report.com. they will give you a free credit report once a year! After that go to your bank and get a secured credit card, that's always a good way. there are also some credit reparing cards. just do a search, and I'm sure you'll find one. If you credit is unrepairablly bad, then the best thing for you to do would be file for bankruptcy! Oh and before I forget do a search on debt consolidaters. They can lower your interests rate dramatically. Good Luck! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
7 | 41 minutes(s) ago
| | | |
9 | 49 minutes(s) ago
| | | |
9 | 52 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
6 | 8 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 2 day(s) ago
| | | |
9 | 6 day(s) ago
| | | |
9 | 1 week(s) ago
| | | |
9 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
