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Credit Report / Credit Score

How Do I Deal With My Old Debt I Owe? – Sarah

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“Dear Steve, I am looking to improve my credit score which is around 600 now. I currently have a judgement against me that I am working to settle on, but I have credit card and medical debt that is also hurting my credit. Some of my debt is over 7 years old, and I am going to write the credit ... Read More »

I Want to Get a Student Loan to Improve My Credit Score. – Eli

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I have a great credit score (mid-700′s), nothing negative in my credit history, 10 year credit history, 10 open credit cards, have paid every single credit card bill in full on time my entire life, 2 car loans, mortgage. With interest rates at historic lows, I’m looking to refinance. However, I’m finding that I can’t get the best ... Read More »

I Want to Start My Own Business But I Have Bad Credit. – Rondell

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“Dear Steve, 49 years old….i work construction…i make pretty good money…i want to start my own buisness…with in the next two years…my credit score is in the dumps about 580…im very shame of this…at one time i had a credit score of 750…i didnt take any of it serious…want to better my credit score and financial situation.. Im $15,000…in debt ... Read More »

My Fiancee is in Debt. How Can We Get Rid of it Before We Marry? – David

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, My fiance is in about $2,000 debt. I knew he had debt but we’re just now talking about all of this. It’s with three different places. Golds Gym -$861, Dish Network -$479, and Verizon -$789. We were planning on finding our own apartment in less than a year but we need this paid off before we do anything; ... Read More »

What Can I Do to Remove Wells Fargo From My Credit Report? – Benjamin

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“Dear Steve, I check my credit score! In which I found out my lender Wells Fargo who I had a house back in 2004 still has my credit on hold until 2015! My question what can I do to get that removed from my credit score? What can I do to remove a bad credit from 2004 that is making ... Read More »

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

"Credit rating" handwritten with white chalk on a blackboard

“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 rolling in. Needless to say, ... Read More »

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

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“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 for us to pay this ... Read More »

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

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“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 is horrible, in the low ... Read More »

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 reports. Since I don’t have ... Read More »

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

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“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 with approximately $30,000 in debt, ... Read More »

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

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“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 statute of limitations for old ... Read More »

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

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“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 report. Shelley” Don’t miss our ... Read More »

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

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“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 2 years ago, and we ... Read More »

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

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“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 they take out of my ... Read More »

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

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“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 do I go about doing ... Read More »

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