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Credit Report / Credit Score

Disputing 5 year old charge off that is not mine. – Melanie

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I recently disputed two credit cards that were charged off in 2006 because these are not my accounts. I never signed anything that said that I was responsible for these accounts. I received my Experian dispute results and the accounts were “processed”. I reviewed the updated report and both accounts came back as updated. What should I do now? Should ... Read More »

When Will My Defaulted Gym Membership Fall Off My Credit Report? – Sherri

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a gym membership that was for stopped The amount is posted to my credit report each month with and added two dollars. It looks like a new debt but is the same one. I had a death in the family and stopped the membership after paying for a year. They say a two year contract would have to be paid ... Read More »

What can I do to clean up the last hang ups on my credit report? – Jon

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6 1/2 years ago, my wife and I got married. She had just graduated college and apart from student loans, we had worked to eliminate her debt. Neither of us had car loans, I had a credit card with no balance, and I had just bought a house. This is where it gets ugly. I couldn’t technically afford the house ... Read More »

How Can I Find Out Who I Owe? – Jessica

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“Dear Steve, I’m looking to pay off and debts that have hampered any credit that qualifies me for a new home someday soon. I don’t have the best memory of what I am in debt with since I turned 18. I am 29 now and have been in small debts to banks from overdraft fees, had a child, neglected former ... Read More »

Retail Store Credit Cards: How Many = Too Many?

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“Would you like to save 10 percent on your purchase today by applying for a retail store credit card?” Does that sound familiar? Just about every major clothing and electronics store has promotion aimed at getting people to sign up for a store-specific credit card. But what you don’t know about retail store credit cards could hurt your wallet and ... Read More »

The Credit Report Has the Wrong Name on It as an Alias. – Paul

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“Dear Steve, My brother’s name is Chris H and my wife’s name is Carrie H. Some how my brothers credit report has him listed as Chris H AKA Carrie H. They filed a report with the credit bureaus explaining the error but it hasn’t been fixed and this has been going on for quite a while. A friend of my ... Read More »

How Can I Do Myself What the Credit Assistance Network Wants to Charge Me For? – David

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“Dear Steve, I found a website on the internet that appeared to offer what I want in doing the heavy lifting of tracking letters to credit bureaus to remove old debts (that are over 7 years) and incorrect data that could be driving my scores down. The website is the Credit Assistance Network. It looked reasonable. Then I saw a ... Read More »

How Long Will it Take to Get Good Credit After Bankruptcy? – Amy

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“Dear Lewis, My husband and I filed bankruptcy chapter 7 in Dec. 2010 and it was discharged in march 2011. I have previously worked as a bank teller before we moved states( which caused our bankruptcy because we couldn’t sell our house). I have had 2 great interviews for bank teller but my credit report denies me a job. How ... Read More »

Verizon is Listing Accounts on My Credit Report I Don’t Owe. – Marc

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“Dear Steve, Checking my credit report I found verizon phone company had 4 derogatory accounts listed ( two had claim skip tracing on them), which I have no recall on. three claim to be accounts started same day in September 2006. I was using AT&T cell phone since 2005 as only phone service. I contacted Verizon customer services and they ... Read More »

I Make Enough Money And Pay My Bills On Time But My Credit’s Not Great. – Anya

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“Dear Steve, I make a decent salary (120K) and recently bought a used car (credit pulled) and moved from TX to CO (credit pulled). I have been weighed down by about 17K in debt for several years – just sort going up and down, up and down. I am ready to do whatever it takes to be debt free (I ... Read More »

I Made Poor Financial Decisions But Learned From It. Now I Want to Rebuild My Credit. – Mike

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“Dear Steve, Steve, Im a 29 year old father of three. In my early 20′s i made very poor financial decisions. Now I’ve decided to finally grow up and take responsibility for my credit. My rating as of now is 546 according to my report. I applied for a secured credit card with cap 1 and was approved, I also ... Read More »

We Need to Raise Our Credit Scores So We Can Buy a House. – Cassie

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“Dear Steve, My husband and I would like to purchase our first home, but are having difficulty getting approved for a loan in the amount we desire and can afford. My husband has bad credit (score 585) and quite a bit of collections on his credit report. It consists of an old unpaid loan, unpaid hospital bills, etc… He has ... Read More »

American Express Credit Report Issue by Asset Acceptance. – Bibi

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“Dear Steve, Hi Steve! So, I ran my report and saw Asset Acceptance is reporting 3 account balances. I believe they are old Amex accounts that went unpaid. I also believe these accounts are about 7-8 years old. Is there a way I can find out when was the last time these accounts had any transactions? I read somewhere that ... Read More »

In Prison and Got Out With Bad Credit. What Now? – Ricky

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“Dear Steve, I retired as a Department of Defense Fire Chief – retired early to try and save a marriage – didn’t work – started drinking – 3 DUI’s – went to prison for 4 years – I’m 47 years young. I recently got home and ran my credit report – numerous accounts were added to my report and are ... Read More »

The Collection Company Keeps Reposting My Old Gym Membership. – Sherri

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“Dear Steve, In 2005 I stopped a gym membership after one year. I did not realize it was a two year contract. My daughter had passed away and I was not going to the gym or anywhere else. The collection agency adds a couple dollars to the debt each month and re-posts to my credit history. Will this debt stop ... Read More »

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