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| Question about :
Repair_Bad_Credit |
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How can I repair bad credit history?
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| By
gerald 1 |
Posted
on
02/27/07 Total Answers
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How do you repair bad credit?
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| By
mountainbikemm |
Posted
on
12/05/06 Total Answers
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How to Repair Bad Credit?
Bad credit could keep you from securing the loans from lenders you need for large purchases, such as a home or new vehicle.so what are the ways to repair it
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| By
Wyatt R |
Posted
on
10/16/09 Total Answers
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How do I quickly repair bad credit?
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| By
Chris G |
Posted
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02/06/08 Total Answers
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How can you "repair bad credit"? or dispute items on your report??
If you owe it- you owe it. How can these companies "legally" repair your credit?? I am confused?? i went to a website that says they send dispute letters...How can you dispute an account you owe?? How does this work?
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| By
trixibel |
Posted
on
06/14/07 Total Answers
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i am looking for a web site that has good info on how to repair bad credit..any suggestions?
i considered "eliminate bad credit for good on line sites" to my understanding they're scams...bankrupcy sounds like the last option and i'm not that bad in debt..less than 5000...i'm hesitant in contacting creditors and the "bureaus"..i'm not trying to put the cart before the horse but, if my credit score is let's say...544...how long ,realistically, would it take to have a decent credit score provided that i pay my debts???any help or suggestions would be greatly appreciated
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| By
michael m |
Posted
on
10/03/06 Total Answers
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What can I do to repair bad credit?
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| By
Carmen D |
Posted
on
07/25/07 Total Answers
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how do I repair bad credit with a score lower than 300?
I need to delete some court records, charge-off and numerous inquries
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| By
concerened@60660 |
Posted
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05/19/06 Total Answers
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Trying to repair bad credit but where to start?
I need a little advice on how/where to start when it comes to repairing bad credit. I cut up my credit cards long ago and only use my debit card for purchases these days. I've never filed for bankruptcy, had a foreclosure on a home or a repossession on a car, just bad financial luck with credit card/lines and a few bills. I don't want to get into a program where someone takes over all my bills or you have to pay them to get something settled, I just want to do this on my own and understand it won't happen over night, that it may take years.
And how do I stop the harassing calls at my work/place of employment? Not only is this an embarrassing situation for someone but it's private! We aren't allowed to get personal calls at work and if we do, we are to call them back on our own time and our own phone. The debt collectors seem to think it's o.k. to explain to the receptionists at my work all about my debt problem. I don't think this right and I think there something you can say to them to get them to stop calling but I'm not quite sure of the verbiage, can someone help me with that?
One more thing, I had my brother co-sign for a credit line almost 10 years ago to help me pay for some dental work. The credit line just went to collections because I just couldn't keep up with the payments and the horrific interest. What are the steps to take so his credit isn't going to be affected since it's my debt?
I just wanted to thank everyone in advance who responds to this. Every piece of advice is very welcomed and appreciated. It's amazing how horrible having bad credit makes you feel as a person and I'm glad I'm not the only one out there struggling. I just want to get on the right track again so I can start feeling better about myself.
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| By
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Posted
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11/16/11 Total Answers
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whats the best wat to repair bad credit?
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| By
ramzi602001 |
Posted
on
06/13/06 Total Answers
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Fastest way to repair bad credit?
I used to always be happy with one thing and that was my credit score. It wasn't the greatest but it was good enough to know I could easily get a loan if need. I went to go refinance and was told with my score their wasn't anything they could do....Wha-wha-WHAT! I was always like a 710-760 now I am a 602..OUCH!
He said I had a collection that went to long (never even knew) and I was 60 days late on another. Well I have only myself to blame and that's not the point. The point is how do I repair the damage now?
And how long will it take?
DEAD link Mikey!
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| By
tjlmbklr |
Posted
on
08/06/09 Total Answers
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How exactly could i repair bad credit which i didn't make but can't dispute?
I’m on active duty and I came home after my 15 month tour in Iraq thinking everything was just as I left them. I did not have a credit card nor did I have debts when I left. I met a girl and after a year of dating we decided to settle down. My fiancée then suggested that it would be nice to start building our credit so I applied for a credit card which got denied because of my extremely low credit score. When we checked my credit report, I have 4 derogatory accounts which were definitely not mine. I called home and found out that my dad used my name and social security number while I was away and failed to pay off debts. So I can’t dispute these accounts for fear that my dad would get in trouble.
I tried to repair my credit before the wedding without knowing what to do. So I called Allied Interstate (one of the CA) and they told me to pay off the account for a lower amount. So I did and got a receipt for it. Now that account says: Legally paid in full for less than the full balance and Election of remedy - reported by subscriber. Obviously, this didn’t help my credit score. I am still in the lower 500s.
Now that we’re married, I tried sending a goodwill letter to Allied Interstate and a PFD letter to the two other CA. These are letters we got off the net. But the 15 business day grace period is about to be over and there has still been no reply to any of these letters . The last derogatory account is from Weise Properties and it does not have a dollar value on it.
I’m really sorry for this extremely long post but I feel really lost and I don’t know where to start. My wife has no credit yet and I just wanted to fix everything for her before I get deployed again. She’s having a tough time adjusting to a new country as it is.
What should we do? Thank you very much for your help.
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| By
shortcake |
Posted
on
10/04/08 Total Answers
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How long after repairing bad credit could you be eligible for a new loan for school/training?
I have atrocious credit. 2 defaults, various revolving accounts, and numerous collections that have made their way onto the report. I also don't have a co-sign. For the better part of the last 3 years I had recurring, misdiagnosed conditions that prevented me from working steady.
I want to fly helicopters, but the cost of school is so that it would be faster to pay off debt and get a loan to complete training (leg > commercial pilot), than it would be to save money and pay out of pocket. It's also maybe the right thing to do. I know items stay on the report for ~7 years, but, even with bad history, if you don't actually owe anyone anymore I would have a better chance I would assume.
Even if it's not helicopters, I need to finish school. I have 70 hours and lack 8hours for an associates in aviation science (air traffic control), but I haven't been able to get a job in the field. So instead of "finishing" school I should say I need to go back and get some other type of training.
one or two classes? where did you study? At Thomas edison state 8 hours is 8 classes, roughly $1100 just to register.
I did know about the fafsa already, I couldn't submit it because of tax information and vet status problems. Working to fix it.
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| By
ericfromsouthpark |
Posted
on
12/19/06 Total Answers
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How long to repair bad credit?
I made a huge mistake a few years back -- I went into overdraft ($700) and didn't pay it back for a few months, after it had been reported to the credit agency. Since I'm still young (21), I don't have any other credit except that, so I'm pretty sure I'm in the negative. Obviously my bank account was closed, and I doubt banks would be eager to let me join them because of my terrible credit. It was an awful mistake and I curse myself for it every day. I've paid the balance back, but now I don't know where to go from here.
It feels like a frustrating catch-22... I can't rebuild my credit without a credit card, but no bank will let me make an account with them. And then hypothetically if I did get an account somewhere, how long do you think it would be until I have a decent credit score?
Thanks so much to anyone that can offer some advice.
Real world answers only please, don't link me to your site/program or you'll be reported.
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| By
Raoul Duke |
Posted
on
07/11/11 Total Answers
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what's the best way to repair bad credit?
So my credit is at 525 right now. I know what affected me a lot is that I got a macy's card a few years back and I didn't pay it. The account got closed and I recently payed it off. They say you shouldn't close your accounts to just start paying on time but my account got closed. Which means I they would have to re-run my credit. I know I do not qualify for one anymore. Is the fact that I paid the debt even though it was closed help my credit score? How can I rebuild y credit if I can't even qualify for a credit card? The only thing that I have is my car which is under my dad's name and mine also. I have a line with verizon under my name. But that's not enough. Any suggestions?
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| By
6374girl |
Posted
on
05/09/10 Total Answers
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is it possible repair bad credit?
by buying from rent a center and fingerhut
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| By
mattthomas992003 |
Posted
on
11/16/09 Total Answers
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How to build or repair credit score?
I'm 19 and sort of have bad credit already b/c when I tried to get an apartment for college I was rejected so instead had to get one in my parents' name. Sometimes I would pay payments early, but other times I would just totally forget about it and not pay and then I be charged interest..this has been going off and on. So, I have a few questions..
-In order to build my credit score, is it possible to just withdraw less than 30% or so from my credit line from the ATM then when it gets near the payment due date I can just pay off that entire withdrawal amount then repeat?
-How long does it take to repair bad credit?....like years? Would I have to pay off credit card payments consistently for many years in order to repair my credit rating?
-What's the fastest and most efficient way to repair/build credit?...And how long would it take?...Would cutting my credit card up right now and just stop using it until I graduate from college and get a job repair and/or build my credit?
THanks!
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| By
KGB |
Posted
on
10/04/07 Total Answers
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Repairing bad credit, consolidating loans?
Try to make this a long story short... My fiance and I are looking to buy a new house. I have great credit, he makes the money.
The problem is, he cosigned on a car for his ex, who has defaulted on the loan, and he also has a few credit cards that he himself defaulted on when he was alot younger.
He wants to get all this squared away, so we can repair his credit, and hopefully buy our dream home to begin our lives together.
My question is, where do we begin? We've gotten his 3 credit reports, and scores, and know what he has out there. He has a few credit cards that are relatively low balances ($100-600), that have already been charged off, should we go ahead and pay on those?
Is there anyway he could get a loan for these, with his credit being so low?
I assure you making the payments at this point in his life are not a problem, we just don't know where to begin.
I should mention that the care his ex defaulted on has NOT been repossessed, we are working with the agency to try to make good on this, and trying to get the vehicle back from his ex.
Also all the accounts he's had in the past 4 or so years are current, or paid off, short of this car loan.
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| By
Ashley R |
Posted
on
02/03/08 Total Answers
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Secured credit cards... How long will it take to see credit improvement?
If you are using a secured credit card to repair bad credit how long does it take to see an improvement on your credit report? How much improvent do you see?
These banks/cards requie you to have a savings account with them equal to your credit limit. If you have collection accounts or JUDEMENTS can a collection agency freeze these accounts and take them?
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| By
Red |
Posted
on
10/13/07 Total Answers
2 |
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| Question about :
Repair_Bad_Credit |
Page : 1 2 |
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