Repairing Credit
Results 1-10 from 1,143 articles
Credit Repair
Asked by J.R. from Los Angeles
on January 15, 2007
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I am looking for any information regarding credit repair, I was told that here where I live in CA. there are many companies that can remove deragatory items from your ...
Answers
- Hi J., I am a loan officer in WA state. I help people with challenged credit. Our license does not extend to CA, however I have some experience with this. First t...
- I wouldn't use consumer credit counseling if you can avoid it all. My husband and I used it 4 or 5 years ago because we got a little behind and now that we make doubl...
- I've processed mortgage loans for a few years now so I know a little about fixing credit reports. You don't need a company to help you fix your credit report. You can ...
Credit Repair
Asked by M.P. from Albuquerque
on August 25, 2010
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We are trying to refinance our house and when I pull my credit scores I am above 620 (Which is the requirement) but when my mortgage lady pulled it she got 605. I am i...
Answers
- If you have any extra store credit cards you don't use you can cancel them. Call and ask they be taken off you credit report. Too much credit, as well as debit lowers...
- I wouldn't pay someone either. There are easy ways to do this, look it up on line. I have had to rebuild my credit and the fastest way I found was to have some one ver...
- When you get your free credit report that itsacrazylife told you about, you can dispute items. Dispute every single one of them! You just click in the box next to it ...
Credit Repair
Asked by C.S. from Odessa
on October 21, 2011
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I have a question about credit repair. Has anyone out there ever tried a company that claimed to remove bad credit from you file? Did you have any success? Does it tak...
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- No one can "repair" your credit. There are legitimate companies that can negotiate lower rates, or help you with settlments, of course these companies charge you a h...
- Repaired? I have never had it repaired...Mine will be broken for the rest of my life...I am sure. I had a big sum of debt Consolidated. Which worked out ok...Exce...
- I've never used one and I don't really know what you/they mean by "repair." If you have a low credit score, only time and timely payments will "repair" it. If you ha...
Credit Repair
Asked by J.S. from Atlanta
on August 28, 2009
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Is anyone fimilar with ways to repair credit scores? I made alot of bad decisions as a teen, and now I am paying for it. I have some outstanding celluar debts, and med...
Answers
- i have worked in credit & collections for 12 yrs. I would be glad to help you clear up your credit report. Its not as hard as you may think. If interested email me:...
- The first thing I would do is to find out what Dave Ramsey says! He is excellent and I wish I started he's program while I was younger. Good luck. A grandma.
- Hi J., I actually had a client two years ago who had terrible credit and could not get approved for a home. She worked with Brad Polin, with Coastal Lending Team, ...
Credit
Asked by C.H. from Dallas
on January 28, 2010
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Hello mamas, hopefully someone out there can help me. Ok I am starting the trying to buy a home process and right now Im at square one of starting to repair my credit....
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- Just so you know, I am a real estate investor, and my husband owns a mortgage company so I know what I'm talking about when I say that those credit repair companies ar...
- I third the DAVE RAMSAY DAVE RAMSAY DAVE RAMSAY. You do not want to purchase a house with a bunch of debt anyway you are asking for trouble if you do trust me. One sma...
- Dave Ramsay, Dave Ramsay, Dave Ramsay. Get a book. Watch his tv show. You can do this yourself! You didn't get bad cedit overnight and there is no "magic" way to g...
Would You Rent to Somebody with Bad Credit?
Asked by Y.C. from New York
on April 14, 2011
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I would like to know your opinion if you would rent to somebody with bad credit.
Less say that the person had a no so bad credit for most of the 7 years, struggle for...
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- I've done the "rental house" thing and looking back, I should have trusted my gut more. Soooooo...I would look at recent credit. If recently it's not good, I wouldn'...
- I think that whether you have good credit or not, it's how that person makes you feel when you talk to them. Use your intuition. Like Nikki posted credit doesn't = ...
- With the economy being what it is, people losing jobs and unable to find new work, and business going under overnight, I would look at the entire 7 years of credit his...
How Do I Fix My Bad Credit?
Asked by A.W. from Dallas
on April 20, 2008
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I am a single mother of 3 kids and I want to buy a house for us. But I have bad credit. Iv never bought a house before so things like that are not on my credit. My ki...
Answers
- Without knowing the particulars of your credit, whats on it and how long it's been there that is a hard question to answer. I would reccommend contacting consumer c...
- Hello, A., I am a Realtor and I do not recommend that you call consumer credit counseling. That will show up on your credit as a red flag to mortgage lenders. I have ...
- Sounds like you need advice from Dave Ramsey! Try www.daveramsey.com. You can listen to his radio show weekdays from 1-4pm on 570am KLIF.
Credit Cards
Asked by C.B. from Kansas City
on March 17, 2011
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ok mamas, you have to grade me on a curve here. i had ONE credit card in college which RUINED both my credit (stupid college kids!) and my taste for credit cards. i ha...
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- If you have ever heard of Dave Ramsey of if you haven't....get to know him. NEVER EVER get a credit card. I would say if you absolutely have to have one for the car re...
- I have had to rent a car a few times in the past two months at Enterprise. You can either use a credit card or cash/debit to rent it (they have to run it for the depo...
- Do you have a good relationship with your bank (long term customer, more than one account, etc)? If yes, then you may want to try applying for their card. Do you k...
Credit HELP!!!!
Asked by M.H. from Lima
on October 11, 2011
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Hello :) My husband & I have been working VERY hard to get his credit straight to buy a house. We've been working on this for TWO YEARS. We called a loan officer today...
Answers
- One thing I haven't seen mentioned here in the replies is that you can go to www.AnnualCreditReport.com and get one copy of your credit score from TransUnion, Equifax,...
- My honest opinion based on your last comment is to pay off credit card debt and shut down all but one card and pay it off monthly. When u do that plus save 20 per dow...
- I just want to point out, A. you can get credit based on Household income, even if you don't work. I have awesome credit, and actually everything is in my name but I ...
Credit Help!!
Asked by M.P. from Provo
on October 10, 2010
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Ok so ugh my credit. Do to some past unpaid bills, my family making me let my sister use my credit to buy a bed for her son (I was not happy about it AT ALL. I was onl...
Answers
- You have to get a secured credit card. You put your own money into the account and use it asa charge card.... that will rebuild your credit AND you need to pay off t...
- Give it time and stop applying for cards. Each time you apply for something it effects your score negatively. Keep paying the debt you do have on time and be patient...
- Is there anything outstanding on your credit? Doctor bills or an old phone bill? If so, get that paid off. Don't apply for anymore credit cards or loans. Do you ha...
