How do I begin to repair bad credit if my debts have already been with creditors for over a year, and I do not

In personal finance of CreditGuy (January 30, 2024 3:10 am)

Nicole s asked: have recent bills for what I owe?? (Stupid, but trying to fix young mistakes). Also how expensive, if I have about $4000 owed? I am a student so I do not make much monthly but I am trying to fix mistakes made in the past.Credit Repair Service

What is the best way to repair a bad credit rating?

In personal finance of CreditGuy (January 25, 2024 11:48 am)

coola asked: I have overdrafts, loans and credit cards and I have missed many payments on all of them and am overlimit on my overdraft and credit card. Apart from making payments on time how can I get a better credit rating? Will it only get better once I don’t owe anything or if I [...]

How long can a bank keep a delinquency on a credit report?

In personal finance of CreditGuy (January 24, 2024 9:01 pm)

Bob M asked: Back in 1997, I ran into some financial trouble and took out a loan for the balance on a mobile home I once owned. I defaulted on the loan that year, but it is still on my credit report. I wrote letters to the bank and to the credit reporting agencies, and [...]

Are there any good phone plans for people looking to repair bad credit?

In personal finance of CreditGuy (January 19, 2024 11:39 am)

Savannah B asked: I’m looking for one where I don’t have to pay hundreds and hundreds to get it activated.Credit Repair

How can i remove charge off/ paid accounts off my credit report?

In personal finance of CreditGuy (January 15, 2024 9:34 am)

Jose C asked: I paid off all my credit cards that were charged off last year thinking that if i paid them they would be removed from my credit report. Now i need to purchase a home and need to boost up my credit score fast. is there any way i can get those charge [...]

Credit Repair?

In personal finance of CreditGuy (December 28, 2023 9:09 pm)

Danielle B asked: Can anyone tell me how I can repair my credit without going through a credit repair service? How long does it usually take for one’s credit to be repaired to a decent score? Thanks.Bad Credit Repair

How fast can credit repair be done?

In personal finance of CreditGuy (December 15, 2023 8:51 pm)

LymeW asked: I want to repair my credit quickly, like within 6-12 months have everything cleaned up and improved scores. Is this possible? How likely? Thanks.Credit Repair Blog

How fast do credit card companies report changes?

In personal finance of CreditGuy (December 14, 2023 7:33 am)

Jim D asked: I have paid down some balances already for some time but the changes are not appearing on my credit report. I’m not pulling up my credit however, I have alerts when my scores go up or down or if there’s inquiries etc. Do I have to ask them to report the change [...]

What credit report service is the best value?

In personal finance of CreditGuy (December 7, 2023 5:31 pm)

Peter T asked: I want a service that I can view my credit report and credit score for all major credit bureaus 3 or 4 times a year and make disputes quickly and easily as needed. I don’t want to pay an arm and a leg. I shouldn’t have to buy my own personal information [...]

how do I repair my credit report, Due to child support?

In personal finance of CreditGuy (December 4, 2024 6:37 am)

Brianna B asked: I’m helping my son,who has had a job three years and is stable . But, When ha applied for a sears credit card . turned down flat also the did too.He was in arrears to the calif.child support, but is now paying and catching up. He pays his bills on time but [...]

How can i repair my bad credit fast?

In personal finance of CreditGuy ( 4:16 am)

Isabelle B asked: I have bad credit, even a car repo, how can i repair it fast & how fast, with small monthly payments? I doesnt matter if its non-profit or not as long as i could do it fast and pay less.Credit Repair Service