Category Archives: Credit Report / Credit Score
- My Experian Credit Report Still Shows Old Negative Items – Joseph
“Dear Steve, I just received an investigation report from Equifax that the 03/2008 Collection Account has been fully paid since 03/2010 and is currently reporting a zero balance for this account. Yet, when I printed my 05/21/2013 Credit Report the said account is still listed with Experian and a part of my High Impact Differences. [...]
- We Have Some Items On Our Credit Report We Want Removed – Lisha
“Dear Steve, We started to have troubles making payments. Did Bankruptcy. Trouble again and we re-fied our house not once or twice about 4! Took a 2nd out… Around and around sprial…. husband lost his job. Lost house. Moved out of state and did Bankruptcy AGAIN! It was bad decision after bad. And it was [...]
- I Have an Old Credit Card on My Credit Report. Will It Go Away? – Julie
“Dear Steve, There is a credit card debt on my credit report that is more than 10 years old. I can’t get any questions answered or removed from my credit report. I’m in California. How long is the debt collectable? What is the statute of limitation on collecting the debt? What can I do to [...]
- How Do I Get Equifax to Remove Old Accounts Off My Credit Report? – Angela
“Dear Steve, How do you get Equifax and other agencies to take accounts over 7 years old off of your account? When does the 7 years start from what date? Angela” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, [...]
- Filed Bankruptcy to Avoid Eviction. Can I Get it Off My Credit Report? – Shawnale
“Dear Steve, I followed expensive advice from attorney that I could stay and fight a no-reason eviction from an apartment I paid rent on time 2 years. I had grown attached and did a lot of maintenance there and was lead to believe I could stall moving out for months. I filed three months straight, [...]
- How Do I Take Care of The Two Old Debts on My Credit Report? – Alexandra
“Dear Steve, I used to have a Chase Credit Card for $500. I haven’t used it since 2008 and because of some problems and no money at that time couldn’t afford to pay it out ($331). Now I got stuck with this credit card reporting each month on my Credit history as a collection. Also [...]
- The Collection Agency Knows I’m Not Responsible But They Keep Trying to Collect. – Jonathan
“Dear Steve, I have a medical bill thats on collection that doesn’t belong to me. I tried to dispute but the only one of the credit bureau. Its a medical for a doctor, i never been to. When i call the collection agency, they told me its for a yessenia torres, when she took her [...]
- Should I Get a Charge Off Removed From My Credit Report? – Defanso
“Dear Steve, My overall credit goes from fair to good depending on the credit agency, scores 686, 704, 708. For the past 2 years my payment history listed as 99.99% on time. I’ve paid off all of my credit card debt to $0, Only having my student loan & my mortgage outstanding. Only thing I [...]
- How Can We Get the Bank to Not Report the HELOC Short Sale? – Teresa
“Dear Steve, House was paid in full. Took out a HELOC that got under water. Bank has accepted a short offer. Payment on HELOC was never late. Credit score currently very, very high. We took out a HELOC a few years ago that was used toward building costs of the new house we live in [...]
- I’m Only Going to Live on Cash and I Don’t Care About My Credit Score. – Lee
“Dear Steve, If I had the money to settle ,then why would I not just pay the debt? Seems to me it would have a two fold effect 1 would not have to deal with those damn phone calls. 2 would not need to worry about credit score. I don’t worry about anyway, cause I [...]
- Getting Ready to Buy a House and an Old Debt Has Resurfaced. – Sara
“Dear Steve, I have recently cleaned up my credit report as I’m getting ready to buy a house. I was contacted by a third party collection agency to pay an old written-off debt to a bank from 2005. I live in WA state. Isn’t the statute of limitations up on this debt? Do I still [...]
- I Would Gladly Pay to Delete My Negative Credit Report Entry
“Dear Steve, Chargeoff with closed Lowe’s credit card from 1/2011 they sold to Portfolio Recovery. Showing on Experian as CO from Lowe’s and Collection, paid less than in full from Portfolio. I negotiated payment with Portfolio but did it before knowing to ask for “pay for delete”. Disputed with BBB as junk debt buyer not [...]
- I Need Someone to Help Me Get My Financial Life on Track. – Sara
“Dear Steve, I am looking for a workshop or advisor to help get my finances straight. I have a poor credit history so i need advise in working through that in addition to rebuilding my credit. I have several retirement accounts from different jobs that I am not sure what to so with. Do I [...]
- How Do You Explain What Premier National Credit Repair Did to My Credit? – Debra
“Dear Steve, I used premier national credit repair and this company did exactly what they promised. My credit score was raised by 124 points and they did get off many negative reports from my credit score. I read through your entire article and you talk about ‘it only takes time’. the company premier national credit [...]
- I Got a Secured Card But My Credit Score Didn’t Shoot Up. – Cary
“Dear Steve, My credit score was mid 600′s with no credit history at all, until about a year ago a cable provider claimed I didn’t return an HDMI cable, and it took me two years to finally settle up with a law firm I owed a few thousand dollars to. My credit score dropped 75 [...]