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Credit
Asked by A. from Dallas
on February 15, 2007
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has anyone done credit restoration lately? my hubby and i are looking for an honest and effecient person to help with our credit. it is so hard to trust people these d...
Answers
- Cambridge Credit Counseling Corporation (goodpayer.com)will send you out free info regardless of what you ultimately decide to do or who you decide to go with. Elimide...
- I second Dave Ramsey. And if I understand it all too, you can't really legally, honestly, with integrity, restore damaged credit reports- if the stuff on there is ther...
- A., I don't have any advice about credit resoration but I do have information about finances and investing. Dave Ramsey is a fabulous author and radio host on the to...
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....
Answers
- 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...
Credit Monitoring
Asked by J.P. from Houston
on January 12, 2011
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Any suggestions on the best credit monitors, Lifelock, or your
credit card company offers? How much? I was just offered
$12.95 per month by my credit card compan...
Answers
- I have heard that this is just the latest way credit card companies have thought of to make money off of our concerns about our credit rating. There is no need to moni...
- Don't spend $$ to have it monitored. It's a waste of money. Some of those companies sell your name to businesses to target you for credit offers. In Texas you can g...
- I could be completely wrong but I have heard that you don't want to have your credit report run so frequently as it could negatively impact your credit score. (I do...
Credit Starter
Asked by M.B. from San Antonio
on March 30, 2009
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i was wondering if anyone knows of a good credit starter credit card with low interest and apr. and also a good credit limit?? please let me know. thanks.
Answers
- If you don't belong to a credit union you can join, I would suggest that. My credit union is GREAT. I will NEVER go back to a regular bank. I have two secured cred...
- Another Dave Ramsey fan chiming in here. Please do not get a credit card just to "build your credit" (or encourage anyone else to do so...especially a teenager or col...
- My husband and I have found that the best credit card is American Express. It has a good rate. Now typically if you don't have any credit your limit is going to star...
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...
Credit Repair
Asked by S.B. from Dallas
on July 20, 2010
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Has anyone used a credit repair company? I am currently in a place in my life where i can be proactive and i figured that this really couldnt hurt. I do not have credi...
Answers
- I used to work for a credit repair company that also took over making people's payments and paying their bills, etc. Although it was not a 'scam'- all the clients I ev...
- I was a mortgage broker for 15 years & I highly recommend you get Dave Ramsey's book...he has very detailed info on how to repair your credit & he has all 3 credit rep...
- I have heard from others that those type of companies can screw you up worse then you might be screwed up now.
How Do I Improve My Personality
Asked by T.K. from Dallas
on August 23, 2010
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I have been working out and changed my diet -great news - I've lost 10 lbs this month!
I have been working on my prayer life, and - great news - I'm enjoying a closer...
Answers
- Seriously, T., you sound like a great gal. You can't help it if people don't appreciate you. Lots of people obviously DO appreciate your personality. I think if som...
- I know you got great advice and I know you posted your What Happened, but when I read this I had to share something. Maybe it is not you or your personaility, but how ...
- My advice to you is to approach your boss in a very non-threatening way. Something along the lines of "Boss person, I have made it my goal to make some improvements in...
Trying to Clean up My Credit
Asked by J.R. from San Diego
on September 29, 2008
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I have a collections/credit card on my credit report from a few years which I need to take care of. I have been working on my credit for the past few months and this i...
Answers
- Did you contact Equifax etc to see why your score was lowered. That makes no sense! Good luck
- Been there done that and it sucked. Here's the thing, bad credit is better than no credit to a lender. I would go ahead and pay it off but keep something around. Yo...
- It's good to have a couple open revolving cards on your credit. The balance on the card should stay to less than 25% of the credit line. If you pay the credit card o...
Credit Card Debt Help/advice
Asked by L.P. from Chicago
on August 20, 2009
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Hello. I am just interested in hearing anything you ladies have done to help with your credit card debt. I have quite a bit built up on my card. I am able to make min...
Answers
- I tried a debt settlement company and all they did was take my money and the settlement amounts weren't anything I could do. They wanted 3 payments of $3000 over 3 mon...
- I too would suggest Dave Ramsey. If you live in Lake County he is on the radio at 1220 am from 1-4. His Total Money Makeover book changed our entire way we look at m...
- I am not sure what your debt is, but I can only tell you our story, we had about $10,000 in credit card debt, the collection calls were depressing me and we were going...
