Confused about credit reports or credit scores? all you questions are answered right here in this category of questions from readers.
“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, …
“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 …
“Dear Steve, At one point I owned 7 houses and had 780 credit score. I fell on some very hard times. I lost 1 house in foreclosure about 5 years ago . I had to sell and short sell 5 more of my homes.The last short sale closed in October 2012. I also setteled 2 …
“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 …
“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 …
“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 …
“Dear Steve, I have three old collections…1st one is 3yrs old, 2nd is 4yrs old and 3rd is 5yrs old…Should I try and pay them off??? I am trying to clean my credit but not sure if to the them if they are under 3yrs or 4yrs and the older ones wait to fall off? …
“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 …
“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 …
“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 …