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Tag Archives: bad credit

How Do I Get Out of Debt With Bad Credit? – Robert

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“Dear Steve, My wife and I have been trying for a long time to get out of debt. We are current on all the payments most of the time but nobody will give us a chance with a loan. We even tried Lending Club but they turned us down. We are working all the hours we can and still can’t ... Read More »

I Bought a Truck With Bad Credit. How Can I Pay It Off Faster? – Rondell

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“Dear Steve, I PURCHASED A MUCH NEEDED USED TRUCK FOR A NEW JOB THATS PAYING ME $60,000 A YEAR… I PUT A DOWN PAYMENT OF $1,500…THE INTREST RATE IS 18%…MY CREDIT SCORE IS VERY POOR (540)….MY NOTES ARE $425.00 A MONTH FOR, 56 MONTHS, HOW CAN I PAY THIS TRUCK OFF IN HALF THE TIME,OR SOONER AND WHAT IS YOURE ... 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 »

My Mom Didn’t Pay the Rent and It’s Hurt My Credit. – Sunshine

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Dear Steve, I am a young adult that is trying to establish credit. When I was 18 years of age I stayed with my mother and signed the lease as an occupant, because I was of age. Therefore, I was held responsible for any damages or anything that could happen to the apartment. My mother skipped out on the lease ... Read More »

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

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“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 having family & starting with ... Read More »

Got a Bad Credit Car Loan and Want to Refinance It

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“Dear Steve, I have bad credit and am in the process of cleaning things up, but this past February I had to replace my car and got a high interest loan. First off my wife loves your site. Any time she has questions, your site is the first site she goes to get answers and advice. I have bad credit ... Read More »

How Can I Fix My Bad Credit So I Can Get a Loan? – Andy

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“Dear Steve, I let two parcels of real estate,one my home, go into foreclosure. Both had first and second mortgages. They were both worth much less than the principle amounts. I have no debts whatsoever. I have the downpayment and income to buy a new home but cannot get approved for a new loan because my credit score is very ... Read More »

How to Easily Rebuild and Repair Your Credit After Bankruptcy, Foreclosure, or Repossession

How-To

Most credit repair scams and schemes and just a worthless waste of money and don’t help you to legally rebuild your credit. Here is a simple process I have advised people to use for years that does the trick for rebuilding and restoring your credit from any credit disaster. This isn’t some crafty or quasi-legal technique. This is just using ... Read More »

Should I Pay My Old Debts or Just Let Them Fall Off My Credit Report? – Lucas

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“Dear Steve, I got laid off about 6 or 7 years ago. During that time, all my accounts; credit cards… loans, personal accounts went into default. Today, over 6 years later, my credit is worse than it has ever been. I believe that all my credit cards,and accounts that went into default fall under “expired debt” since they are atleast ... Read More »

I Have Bad Credit And Now I’m Trying to Buy a Home. My Bad Credit is Haunting Me. – Brian

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“Dear Jeremy, OUT OF HIGH SCHOOL IVE HAD BAD CHOICES IN BUILDING MY CREDIT NOW THAT IM LOOKING TO PURCHASE A HOME IT IS HAUNTING ME….. I HAVE DEBT THAT IS PREVENTING ME FROM LENDERS EVEN WANTING TO HELP ME. I HAVE A CREDIT REPORT AND HAVE BEEN PAYING OFF DEBT NOW I ONLY HAVE ONE OR TWO BAD DEBTS ... Read More »

I Went Into Debt Settlement And Now Can’t Get a Job at the Bank. – Valerie

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I went into debt settlement two years ago and although it is helping somewhat now i cannot get a job at the bank i applied to. What are my options? Valerie It’s time to put debt behind you and start dreaming about your life after debt. – Click to Tweet The Answer This reader question was submitted for site members ... Read More »

How Can I Get Rid of My Delinquent Balances? – Ana

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“Dear Steve, About a 1 1/2 years ago I had been laid off of work and I spent much time without work and had no income coming for a good 6 months so most of my accounts went from delinquent to being discharged and I had many collection agencies calling me I started paying off accounts but it is still ... Read More »

I Signed Up With Money Management International and Now I Have Bad Credit. – Anna

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“Dear Steve, About six months ago I signed up for Money Management Internationals Debt Management Program. I pay about a thousand dollars a month and my debt will be paid off in 30 months. I recently saw my credit report and found that because of MMI there have been 12 late payments on my report since I signed up with ... Read More »

I Have Bad Credit And I Want Good Credit. – Jamie

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“Dear Steve, I’m a 22 year old new grad from nursing school. Throughout my 4 yr college career, I acquired my debts including closed credit card accounts and a delinquent checking account from about 5 years ago, which were all eventually sent to collections agencies. Now that I have graduated and am making a pretty good living, I am looking ... Read More »

We Are Looking Forward to Buying Our First Home But Our Credit Sucks. – Casey

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Casey “Dear Steve, My husband and i are looking forward to buying our first home next summer. So right now we are in the process of getting are credit reports to see what would affect are interest rates and loan amt so we can pay those particular items off faster than the other not as important ones. I pulled my ... Read More »

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