I read online all the time about companies that repair your credit report, can that really be done?

In Credit of CreditGuy (January 19, 2009 5:27 pm)

Doug favors universal insurance! asked: I get emails and read online about companies, like Lexington.com, that claim they can repair your credit report, “permanently remove negative items off your credit report”. Of course, they charge a 99.00 start up fee, and then 79.00 a month. Considering a credit report can stop you from getting [...]

I need to know how to repair bad credit. My credit report came back today and my score is in the high 500’s?

In Credit of CreditGuy ( 12:04 pm)

Kevin S asked: I’ve seen lots of websites, lots seem to pretty scary, i.e. scams. I’m looking for a reputable source that can help me legally and quickly. We’re trying to buy a house and the interest rate I was quoted makes the payments way too high. I went through a messy [...]

How many credit cards should you have to rebuild credit?

In Credit of CreditGuy (January 18, 2009 2:52 pm)

Nikita asked: I am trying to rebuild my credit after ID theft, a couple of problems that were mine and years of basically not having any credit reported. (I primarily use my debit card and pay cash for everything). I make good money now and am trying to rebuild in order to purchase a [...]

What is the difference between a credit card and a pre approved credit card or is there no difference?

In Credit of CreditGuy ( 9:00 am)

kita asked: I am looking to raise my credit score and I have been turned down buy credit card companies and I spoke with someone that said I could get a pre approved credit card but i thought all credit cards were pre approved. Please help me I need to raise my credit score. ThanksCredit [...]

what is the most effective way to repair bad credit. Do secured credit cards report to credit agency? (canada)?

In Credit of CreditGuy (January 16, 2009 8:52 pm)

Kent M asked: I am working on paying off debts from an old unhealthy lifestyle (aprox) $4000. Is there any way in the mean time I can start to establish credit? no one will touch me as far as lending or credit. My life is cleaned up now and want to do the same with [...]

How do you challenge a negative item on your credit report?

In Credit of CreditGuy ( 1:54 pm)

joeinchino2000 asked: I had an apt complex in California put a negative item on my credit report. The charges they list are invalid (they made up charges over 30 days after we moved out) but they hired a collection agency and I now have this thing on my credit report. How do I [...]

What will my credit report show if I choose to settle an old credit card account with a debt collector?

In Credit of CreditGuy (January 15, 2009 1:07 pm)

Kevin V asked: I would like to settle a few closed credit accounts that have been charged off and bought out by debt collectors. The collection agency is offering me a discounted rate to pay off this account. If I choose this option, will my credit report eventually show this account closed and paid [...]

What credit card should I go for citi bank or bank of america?

In Credit of CreditGuy (January 14, 2009 12:47 pm)

azkoolchik asked: I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone [...]

I have horrible credit. How can I repair bad credit?

In Credit of CreditGuy ( 11:00 am)

christy1971 asked: I have horrible credit. I have credit cards that are not even delinquent anymore, but written off. I don’t even want to know what my credit score is. My credit is so bad, that I can not get a cell phone without a deposit . I even have my home phone number [...]

How long do late credit card payments impact your credit report?

In Credit of CreditGuy ( 10:40 am)

Sean R asked: I checked my wife’s credit report and she has 3 accounts with late payments from several years ago prior to us being married. One was past due 60 days, one was past due 30 days a few times, and one was past due 120 days. How long will her credit [...]

Is there any way to start a credit repair business?

In Credit of CreditGuy ( 10:23 am)

Randy C asked: Is there any way to start a credit repair business?Credit Repair

Credit repair?

In Credit of CreditGuy (January 13, 2009 9:23 pm)

Tee asked: I want to repair my credit I know this will take some time however, I have come into some money and want to pay everything offf thats on my credit if I do so what will happen?
will be removed?
will my score get higher?
I’m so clueless as to what will happen after I pay [...]

Is there a way to repair your credit by sending registered letters denying the debts to the credit report cos.

In Credit of CreditGuy ( 12:54 pm)

DetroitDublin asked: I have heard this often. That you can send registered letters denying the debts one by one to the three credit reporting bureaus and if they didn’t provide proof of the debts within 30 days or something that they had to remove the debts. Everything except judgements. Is this true? If so, how [...]

Where can I find a trustworthy credit repair expert?

In Credit of CreditGuy ( 3:10 am)

Stephanie N asked: I am trying to repair my credit by sending debt settlement letters to the collections agencies listed on my credit report, but they are not being cooperative. Most are saying they CANNOT settle the debt nor are they willing to delete the listing from my credit report after the debt had [...]

How do you repair REALLY bad credit?

In Credit of CreditGuy (January 12, 2009 12:44 pm)

Misty S asked: I lost my daughter, went through a divorce, and now have horrible credit. Medical bills, a judgement being garnished, past due car payment, and credit cards past due. I filed bankruptcy before any of this happened. I now have a decent job and right frame of mind to try [...]

Iam trying to repair my credit report. What are the most important debts to pay ?

In Credit of CreditGuy ( 2:14 am)

Image via Wikipedia

Lilskeerd asked:
I got a copy of my credit report andI dont know what the most important things to pay are.I have never had any credit cards so I dont owe any credit card companies.i HAVE TWO MEDICAL COLLECTIONS ACCOUNTS, ONE TO VERIZON WIRELESS, COLLECTIONS FOR A LIBRARY DEBT ,AND ONE I OWE [...]

How does bad credit come off your credit report once you have passed the 7 year deadline?

In Credit of CreditGuy ( 1:51 am)

shugahill@sbcglobal.net asked: Some delinquent reports on my credit report are due to fall off this year. Will they come off my report automatically or is there something that I should do once the fall off date has passed?Credit Score Repair Online

What website provides the best credit report for free?

In Credit of CreditGuy (December 29, 2008 2:25 pm)

Dan R asked: I want to find out what my credit report looks like and my credit score. Can someone offer advice to which websites I should go to that provides the best credit report and score for free?Credit Repair Blog

Credit ?

In Credit of CreditGuy ( 1:29 am)

bill asked: I am only sixteen, but my dad says that if I want to buy a car– and eventually an apartment or a house I need to establish a line of credit. How do I do this? Whats a good way to get started?Credit Repair Blog

Credit report?

In Credit of CreditGuy (December 28, 2008 7:44 pm)

angieward_2000 asked: I just ran my credit report and there are several hits on it to say the least. Is it better to call the collection agencies directly and work out payment arraignments or should I call the credit consolidator people. And what is the best credit consolidator co to call?Repair Credit Score

« Previous Page — Next Page »