Category Archives: Bad Credit

How Can I Fix My Bad Credit So I Can Get a Loan? – Andy

“Dear Steve, I let two parcels of real estate,one my home, go into foreclosure. Both had first and second mortgages. They were both worth much less than the principle amounts. I have no debts whatsoever. I have the downpayment and income to buy a new home but cannot get approved for a new loan because [...]

My Goal is to Go to Law School But I Have Bad Credit. – Ella

“Dear Steve, My goal is to go to law school within the next two years. However, I have really bad credit. I have about 5 or 6 charged-off accounts on my credit report, and right now I’m working on paying off these accounts. Now, the reason I’m asking this question is because I don’t have [...]

Chris Has Bad Credit. I Show Him How to Easily Get Good Credit.

“Dear Steve, I’m 35, new dad, have a terrible credit score(in the 400s), want to improve my score for a better quality of life, and most of my debts are 8 years and older. I want to find specific information on how to remove old debts from my credit report. (ex. To whom do I [...]

I Haven’t Paid Any Bills And Don’t Know Where to Start. – Hippy

“Dear Steve, So I haven’t paid any of my outstanding bills for some time now. I know that I owe $5,000 in credit debt and I had hip surgery and a severe car accident in the last two years. I have debt everywhere and have no idea where to start. Where should I start and [...]