Category Archives: Credit Report / Credit Score

My Past Credit is Dragging Down My Credit Score. I Want to Buy a House.

“Dear Steve, I went through a bad health crisis several years ago (2005-2007/2008) at which time I was in and out of hospitals for periods of up to 15-30 days at a time, on disability and struggling to keep all the bills straight and paid, especially all the different Dr. and medical bills that kept [...]

My Husband Could Not Pay His Rent 6 Years Ago. Will This Follow Him? – Kris

“Dear Steve, Over 6 years ago, my husband was 19 year old and he lost his job. He was unable to find another one to pay for his apartment, so he ended up moving back in with his mom. He still owes that apartment complex about $2500 and it is going to be VERY difficult [...]

I Was Told Not to Pay My Default Debts But I Want to Rebuild My Credit. – Leonard

“Dear Steve, I’m turning 22. I have defaulted student loans, several phone bills that went into collections, a credit card that went into collections and also medical bills that are soon to go into collections. I’ve finally been able to secure a decent job, and I want to start rebuilding my credit … my score [...]

I Want to Start a Credit Repair Company in Texas to Help Members of My Church. – Karon

“Dear Steve, I’m a CPA and have retired from the federal government with over 38 years in Finance. I am interested is starting up a credit clean-up / repair business to help people in my community and church. I have also been a mortgae loan officer since 2001 and have some experience in reviewing credit [...]

The Credit Card Company Says My Husband is Responsible for Debt on a Card But I Think He’s Only an Authorized User. – Stephanie

“Dear Steve, Rebuilding credit after being laid off in 2007 and going back to school full time; signed up with a debt consolidation program at the time which turned out to be a scam. We lost thousands with them and tried reporting it to the Attorney General, etc., but nothing came of it. Ended up [...]

I Moved and My New Electric and Gas Companies Found an Old Utility Bill From 17 Years Ago. – Adam

“Dear Steve, I recently moved to an area where I had to change utility companies. When I set up my utility services for my new address I was notified that I had a high balance with both the electric and gas companies from a previous address I lived at 17 years ago. What is the [...]

What Do I Need to Do to Get an Old Delinquent Item Off My Credit Report? – Shelley

“Dear Steve, Working on paying off some old debts. Also trying to repair my credit. Can a old debt that has been charged off and the statue of limitation has past, can be reported by a collection agency as new on my credit report. How do i go about getting this removed from my credit [...]

Which Banks Will Give Me a Debt Consolidation Loan With Bad Credit? – Rita

“Dear Steve, I was downsized from a job, & had to go back to college. We had to file for Chapter 7 nine years ago while I finished school. That’s where our credit began to fall apart. Just when we thought our little family was getting back on our feet, our home was foreclosed on [...]

Should I Wait For Stuff to Fall Off My Credit Report or File Bankruptcy? – Dawn

“Dear Steve, I finished grad school in December of 2009 with heavy debt, student loans and credit cards. I have been un/underemployed ever since, and unable to pay my bills. My student loans are currently in unemployment deferment (I’m unemployed again), and in good standing, as is one of my credit accounts (my overdraft, which [...]

How Do I Get My Disputed Debt Removed From My Credit Report? – Cyndi

“Dear Steve, Requested validation, and when received , I disputed the documents sent to me. In response to a dispute with a debt collector, I received a letter from them that stated they have discontinued any further collection activity and cancelled the debt. Can I get this removed from credit reports, and if so, how [...]

We Filed Bankruptcy And Saved Our Home and Car. How Do We Rebuild Our Credit? – Annie

“Dear Steve, We wrote in earlier about debt settlement. We were saved from paying money to a scam operation, thank you. We did end up filing bankruptcy. My question is about our home payment and whether it is getting reported to credit agencies. Thank you for your help on this forum! I declared bankruptcy but [...]

Apartment Complex Debt is Listed Twice on My Credit Report. – Lori

“Dear Steve, Hello, about 4 years ago I lived in these apartments. Due to some financial problems my mother and I were faced with the fact that we needed to move. We then moved out unexpectedly. Years later I recieved a letter in the mail from the debt collections stating that I needed to pay [...]

Raised in a Foster Home and Suffering With Bad Credit. – Dwayne

“Dear Steve, As a child i grew up in foster homes. my real parents put bills in my name as i was a child no where in there life. ive tryed hard to overcome the life style i was raised till i was 13 & put in foster care but its just so hard not [...]

I Have Bad Credit But Settled Some Debts. How Fast Will My Credit Score Go Up? – Lorraine

“Dear Steve, Bad credit score (595), and have a lot of accounts in collections. But I have paid them off for less than the full amount. The past week I’ve been on a debt relief spree and I managed to take care of 3 of my biggest accounts that were in collections. BUT I settled [...]

I Have a Really Old Judgment Against Me. When Will it Vanish Off Credit Report?

“Dear Steve, I had a auto loan in which the car was wrecked a month after I got it thanks to the hubby in Tennessee. The car had no insurance on it to cover it when it was totaled so I was sued when I didn’t continue to make payments and they won by default [...]