Latest Posts
Home > Ask The Get Out of Debt Experts > Credit Report / Credit Score (page 2)

Credit Report / Credit Score

I’m Only Going to Live on Cash and I Don’t Care About My Credit Score. – Lee

Debt is a scrape, not a mortal wound.

“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 do not plan on buying ... Read More »

Getting Ready to Buy a House and an Old Debt Has Resurfaced. – Sara

"Credit rating" handwritten with white chalk on a blackboard

“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 have to pay? Do I ... Read More »

I Would Gladly Pay to Delete My Negative Credit Report Entry

credit card verification

“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 authorized to list it…denied. I ... Read More »

I Need Someone to Help Me Get My Financial Life on Track. – Sara

"Credit rating" handwritten with white chalk on a blackboard

“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 roll them all together or ... Read More »

How Do You Explain What Premier National Credit Repair Did to My Credit? – Debra

sassy girl

“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 repair was able to get ... Read More »

I Got a Secured Card But My Credit Score Didn’t Shoot Up. – Cary

"Credit rating" handwritten with white chalk on a blackboard

“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 points. I paid these off ... Read More »

I Heard I Can Pay to Delete Things on My Credit Report. Is That True? – Lori

eraser and word bad credit

“Dear Jared, Hi, I have quite a few accounts in collections that are delinquent. I am a young adult and have recently became more concerned with my credit score/history. I have heard many things about a pay-to-delete that can be sent to a creditor. I have some small inquires like $125 cable bill, $225 AT&T, and $147 to a gym. ... Read More »

Should I Wait to Rebuild My Credit or Start Now? – Renee

credit good

“Dear Steve, I’m 36 and I got credit cards for the first time at age 27 in 2004. I had pretty low limits, 1,000 or less on the 3. I lost the security of my job and got behind on payments, then eventually stopped paying and everything went to collections in 2007. I’ve managed to pay off all my student ... Read More »

I Want to Improve My Credit and Get a Mortgage With My New Wife. – Devin

Couple Buying House

“Dear Steve, Although I have made great strides in the last 4 years, I brought a poor credit history and score to our marriage (married for 5 months). My wife, whose name is on our mortgage as she owned our home prior to our marriage, is happy and proud of the work I’ve done to raise my score from 590 ... Read More »

My Credit Score Sucks. How Can I Make It Better? – Thomas

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I have a great job $80k a year, two kids and a wife who watches the two children destroy our home all day. I’m 28 and all of my debt is a whopping $500 or so. The debts are from companies like At&t they claim I didn’t return my equipment (I did), so I refused to pay them ... Read More »

I Screwed Up My Credit When I Was Younger. Now I Want to Buy a House. – Mark

yard

“Dear Steve, Steve, when I was 22 I signed up for a credit card and treated it like free money. I signed up for 2 more over the next few years and maxed them all out. I racked up 20k in debt and paid the credit card companies $100/card a month until I just got frustrated and behind and then ... Read More »

I Had a Walmart Credit Card I Forgot to Pay. It Hurt My Credit. – Estee

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I have a bizarrely stupid question. I moved around a few times when I was in college, and I had (among other cards) a WalMart credit card with no balance. I never used it after I moved (I don’t live near a WalMart), and I just forgot about it. After one move, I even forgot to change the ... Read More »

A Credit Repair Company Said If We Settle Our Own Debt it Will be Taken Off Our Credit Report. – Anne

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, My husband and I had a financial meltdown 3 years ago. had to short sale our house, I wasnt able to work for medical and child reasons. Had got in over our heads with a large mortgage then ended up with large credit card debt trying to save our home.had approx $80000 in credit card debt. We were ... Read More »

Should I Try to Pay to Delete Bad Items on My Credit Report? I’m Confused. – Sunny

stressed-woman

“Dear Steve, I have a few delinquent accounts on my credit. They have been there for a couple of years and it is to my understanding that it will stay on my credit for 7-10 years. I am 21 years old and just now trying to establish credit for myself but these accounts are making it pretty difficult. I have ... Read More »

I’m 21 Years Old and My Credit Score Sucks. How Can I Improve It? – Lore

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, Hello, I am 21 years old and recently checked my credit score. Due to pass due bills not being paid I am carrying a 580 credit score. I am aware that this is horrible but I am not sure how to go about getting this fixed. I already have a secured credit card to help improve my credit. ... Read More »

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.