How do I remedy a debt that was assigned to my ex-husband?
When my ex-husband and I got a divorce, the divorce agreement stated that he would take two debts that he incurred while we were married. They were his responsibility but they are still showing up on my credit report. Is there any way to stop these debts from being reflected on my credit?
Any help at all is appreciated.
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Credit repair advice to qualify for a mortgage.
My husband and I would like to buy a home but we are not sure we would qualify for a mortgage because our credit is not great. I contacted lending.com recently to find out what we can do to be ready in 6 to 9 months. They said that our credit score was less than 500 and there’s nothing they could do to help us. If we pay off the doctor bills that are on our credit report, would it raise our credit score? Does anyone know of any mortgage companies that handle high risk credit? Any advice on getting our credit score raised would be greatly appreciated!
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What matters more; your credit score or the contents of your credit report?
I have a good credit score but I still have unpaid collection accounts on my credit report. Will lenders expect me to pay those off before they would give me a mortgage? Since my credit score is high, will it really matter what is on my credit report?
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Credit Repair After Bankruptcy
I filed chapter 7 bankruptcy after a divorce in 2002. I then had to file chapter 13 bankruptcy in 2007 because of a foreclosure on my home. I’m one month from finishing the chapter 13. Will these bankruptcies be on my credit report for the rest of my life? What can I do to improve my credit score?
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What does my credit score need to be to finance a car?
I recently paid off all my debts and my credit scores are slowly improving. I got my credit report and it doesn’t look too bad since most of the negatives have been removed. I, like so many other people, messed up my credit when I was younger and I’m still paying for it now. My credit scores range from 579 – 618. Is this good enough to get a loan for a car, or do I need to wait a while longer?
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Free credit report without using a credit card
I would like to get my credit report but all the sites I have found ask for a credit card even though they claim that it’s free. I no longer have a credit card. Is there a way for me to get my credit report without using a credit card?
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How to dispute negative items on your credit report
There are a few items on my credit report that have been re-opened by collection agencies. It is my understanding that they are not allowed to do this. The statute of limitations has passed and they should be removed from my credit report. I have never had a problem about items dropping off before. This Capital One account will not drop off and the three different collection agencies for this one account keep reporting a new date opened. It has been 8 years now and they are still on my credit report. How can I get them removed?
Also, when you view your credit report, where is the “date of last activity”? All I see is the open date and last reported date. The last reported date can’t possibly be the date to go by because then the statute of limitations would be meaningless. Lenders and collection agencies could just keep reporting and the account would stay on your credit report forever.
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Can we report an unpaid civil judgement to the credit bureaus?
We were awarded a civil judgment for $100,000. It was signed by a judge and filed with the court in Jackson County Missouri. The defendant never paid and we would like for this to show up on his credit report. I have heard that unpaid civil judgments can be included in the personal section of a credit report but I haven’t been able to find out how to get the credit bureaus to acknowledge this debt and show it on his credit report. Can anyone tell me how to get this debt on his credit report?
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What effect does canceling a credit card have on your credit score?
Say you are in good standing, never late, always payed the balance, but you have too many credit cards. When you cancel a credit card, what happens to your credit score? Does the credit limit you had for that card get erased from your credit report? After all those years of building the credit limit to help your credit score, what happens to it and what happens to your credit score?
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How should I start fixing my credit?
I have been ignoring my credit problems for years. I have decided that it’s time to start doing something about it because someday I would like to buy a house, a new car etc…
It is mostly credit card debt but there are a couple of other small debts. About 60% of the negative items on my credit report is around six years old. The rest of them are about 1 year old.
I know that when you pay collections off it will drop your score. I am ok with that if it will improve in the long run. Should I pay off all of them? Are negative items removed after seven years anyway?
I have two credit cards that are in good standing and I know this will help my credit score also.
What is the best way to repair your credit? I am overwhelmed and I just don’t know where to start. Also should I try to negotiate with the collection agencies? Do I need everything in writing from them?
Is there some good books I could read?
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How to get creditors to report account information to the credit bureaus
I got my credit report today and it shows that my available credit is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit and all of my credit cards hadn’t been reported since April. How can I contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I think that this might be affecting my credit score, so I would really like to fix it.
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What credit report does credit card companies see?
When I activated my credit card they asked me to verify the make and model of my car. How do they know, it’s a different company? My credit report doesn’t say what kind of car I have. How can I see the credit report they see that has this information?
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Credit report without a credit card
OK, I’ve never really understood the whole credit thing and I don’t know if I have bad credit or no credit…but, I can’t seem to get a credit card from anywhere to even build credit? Where is the best place to check out my credit report safely and help me understand in laymen’s terms about everything?
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I have a collection on my credit report but I don’t know what it is?
I just found out I have a collection on my credit report. I have no idea what it is or anything. I have to wait until tomorrow and call them. What would happen if I paid that? Will it lower my credit score or will it go up a little?
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how to go about fixing credit report?
my husband has 3 negative marks on his credit report, we tried to get in touch with the creditors and after what seemed like hours on hold, we finally got in touch, exchanged information and they said they would send over the bill, we’re still waiting and nothing has arrived so far. How do we fix our credit if the creditors won’t work with us? Is there a central agency or something where we can just pay off the debts and remove the bad marks off the report?
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How can I remove negative items from my credit report?
I have a lot of negative items on my credit report.. what’s the best way of getting these removed quickly? If i write a letter to the creditors explaining why i didn’t make a payment.. will they remove it? im 21 yrs old and need to repair my credit.
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I have two identity theft accounts and they have become collection accounts. How can I remove them?
I have two identity theft accounts. Someone used my social security number to apply for SBC and Direct TV. I never received bills from them. When I found out about these accounts, they already showed as collection on my credit report. These are having a negative effect on my credit. I called up the collection agency for SBC and told them this is not my account but they are not willing to remove them. I called the Federal Trade Commission and reported these but they said they couldn’t do anything about this. I have tried to consult free legal aides but they didn’t reply! How can I remove these identity theft accounts?
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What should I do about negative items on my credit report?
I just ran my credit report and there are several negative items on it. Is it better to call the collection agencies directly and work out payment arrangements or should I call the credit consolidator people. And what is the best credit consolidator to call?
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How will closing unused accounts affect my credit score?
I have 2 credit cards on my credit report that I have never used. I’ve heard that the less credit you have available the higher your score will be (less cards equals less credit to max out on). But I’ve also heard that if you close accounts it lowers your score. Should I close them?
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The Attorneys Guide To Credit Repair
The most effective credit repair methods available today! Learn how to remove judgments, liens, charge-offs, slow-pays and even bankruptcy from your credit report.
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