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Tag Archives: bad credit

“How Do I Go About Making My Credit Score Better” – Antoine

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Antoine writes in to the Get Out of Debt Squirrel and asks: I don’t have credit card dept of any kind. I’ve never filed bankruptcy. I have bills on my credit report some of them I’m unaware of and the others are overdue bills. How do I go about solving the problem to get it off my credit report? How ... Read More »

Is There a Bad Credit Debt Consolidation Loan Out There For Me? – Diane

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“Hi Steve, I am married with a 21 month old. Both my husband and I have 620 scores so obtaining credit is not that easy. Currently we have about $13,000 in debt that we need to get rid of just to make it each month. My husband is the only one working and we currently only have $200 a month ... Read More »

My Twenty Year Old Daughter is in a Terrible Financial Situation. – Sam’s Mom

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Sam’s Mom “Dear Steve, My daughter is 20 and what credit she has is already bad. She lived with a boyfriend (and friends) for two years and now has moved back home. Her current job is in the food industry on a college campus so that job will be gone when the school year ends. We have already used her ... Read More »

How to Buy a House With Marks on Your Credit

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If you have any negative marks on your credit such as a late payment, default, repossession, lien, judgment or bankruptcy you probably think you’ll never be able to buy a house. Not so. If you have a steady and secure income that is high enough so you can afford to make the monthly payments, and you have a sufficient sum ... Read More »

How to Buy a Car With Marks on Your Credit and Not Get Taken for a Ride

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If you have any negative marks on your credit such as a late payment, default, repossession, foreclosure, lien, judgment or bankruptcy you probably think you’ll have a hard time buying a car (or truck or van). Think again. There are many options available to you, but you’ve got to understand the advantages and disadvantages of each. Consider the following: You ... Read More »

Seven Easy, Surefire, Guaranteed Ways to Trash Your Credit

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I spend a lot of time helping people resolve credit issues and getting finances under control. Now it’s time to give guidance to those folks who are desperate to screw-up their credit. Who’d want to do that, you say? Plenty of folks are in an all-fired rush to make bad credit mistakes. Here’s how they developed the worst credit scores ... Read More »

Chris Has Bad Credit. I Show Him How to Easily Get Good Credit.

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“Dear Steve, I’m 35, new dad, have a terrible credit score(in the 400s), want to improve my score for a better quality of life, and most of my debts are 8 years and older. I want to find specific information on how to remove old debts from my credit report. (ex. To whom do I write my letters? What should ... Read More »

I Haven’t Paid Any Bills And Don’t Know Where to Start. – Hippy

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“Dear Steve, So I haven’t paid any of my outstanding bills for some time now. I know that I owe $5,000 in credit debt and I had hip surgery and a severe car accident in the last two years. I have debt everywhere and have no idea where to start. Where should I start and who do I go to ... Read More »

How Can I Refinance My Car With Bad Credit? – Erik

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“Dear Steve, My situation revolves around my car loan. I got my loan back in July 2006, and the interest rate was high, understandably because I had bad credit. Now two and a half years later, it seems that it still is horrible, because NO ONE will refinance me. I tried LendingClub.com (I googled my problem, saw you recommended it ... Read More »

Nobody Will Give Me a Debt Consolidation Loan to Pay Off My Debts. – Scott

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Scott “Dear Steve, I make good income (130,000.00/yr) but have three kids and several credit cards from before my pay went up. we have approx 40,000 in debt and the payment are starting to get more difficult. We are still making all of our payments How can I consulidate all this debt to one payment and pay off quicker? Scott” ... Read More »

Where Can I Get a Loan for $800 to Payoff My Debt With Bad Credit? – Terri

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Terri “Dear Steve, I NEED $ 8,000.00 TO GET OUT OF DEBT. I HAVE BAD CREDIT. IF I CAN GET THE MONEY, I WILL BE ABLE TO REPAY THE LOAN IN EIGHT MONTHS. THE DEBT IS NOT DUE TO CREDIT CARDS, IT’S DUE TO FALLING BEHIND ON HOUSEHOLD BILLS, SUCH AS RENT, ELECTRIC AND SO ON. NO ONE WILL EVEN ... Read More »

What Would Happen if I Got a Mortgage With My Bad Credit Boyfriend? – Shelly

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“Dear Steve, I am thinking of getting a VA Loan. I would be buying the house with my boyfriend. I have great credit (780) but his is low, and has 2 foreclosures. I don’t feel I have enough income to only use mine. I’m tired of renting and have done it my whole life, I’m 35. Any advice you could ... Read More »

I Have Bad Credit From a Bad Relationship. – Meranda

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“Dear Steve, I have bad credit because I got in a relationship very young and have credit cards maxed and a few things in collection. Now I have 2 children and am not working I am on maternity leave and really want to get out of a bad relationship. I have looked at renting at another location but found out ... Read More »

How Long Will it Take Me to Raise my Credit Score by 100 Points? – Thomas

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Thomas “Dear Steve, 530-590 credit score… have gone late on several payments on credit card and car loan over past year… (current for the past 3 months) Had one item (an old utility bill) go to collections. I had no clue my score was this low. How long does it take to raise your credit score by approximately 100 points. ... Read More »

Bre Wonders Why Her Credit Report Still Shows Negative Items That She Thought Should Have Been Removed By Going Bankrupt

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Bre “Dear Steve, I filed chapter 13 bankruptcy and little to my knowledge my attorneys who represented me did not clear my credit after the filing or even in the process so in essence I still have all the listings of old creditors on my credit report and it’s a bit tasking to have them removed. Any suggestions on how ... Read More »

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