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Tag Archives: consolidated credit report

We’d Like to File for Bankruptcy But Don’t Know Who We Owe. – Melissa

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“Dear Steve, My husband and I would like to file for backruptcy. it is to the point that we can not get a credit card, bank account. we would like to be able to rent an apartment of our own wth our 3 children. right now we are struggling to make ends meet but we are trying our best but ... Read More »

Sohail Wants to Pay Off Old Debts to Improve His Credit

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Sohail “Dear Steve, I have debts and collection agencies had been contacting me about them, but not anymore. I want to pay off all my debts and make an excellent credit. I want help in (1) to find out how much I owe and who? (2) I want to pay you very fast and you deal with my creditors. How ... Read More »

Off to College: How to Use Credit Cards and Not Get in Over Your Head

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Let’s face it: when it comes to getting credit, most students have it easy these days. Most college students do get credit cards — and plenty of them if they want. According to a recent study for the Education Resources Institute and the Institute for Higher Education Policy, many college students have credit cards and some of them got their ... Read More »

How to Rent an Apartment With Marks on Your Credit

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If you’ve had credit problems in the past, you may find it difficult to rent an apartment through traditional means. Many rental agencies and some private landlords do “credit checks” before renting, and a poor payment history can hold you back from getting the place you want. But don’t give up! You do have options, especially if you are willing ... 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 »

Do It Yourself Guide to Credit Reports: 10 Ways to Improve Your Credit

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So your credit’s not so hot. A few late payments, maybe an account or two that went to collections. What’s the big deal? As you’ve probably found out, it may be a very big deal. You’ve probably already been turned down for the best credit cards and maybe you’ve had trouble getting a car loan. Perhaps you’ve even put off ... Read More »

Insurance Scores: How Your Credit History Affects Your Insurance

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What does the information in your credit report have to do with your automobile or homeowner’s insurance? Perhaps more than you think! Many insurance companies these days use insurance scores to help determine eligibility for their policies, evaluate policies for renewal and sometimes to determine rate discounts. Insurance scores are popular with insurance companies because they have been proven to ... Read More »

How Can I Make Sure My Wife Does Not Go Into Debt Again? – Alex

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“Dear Steve, Hi, (thank you for your website) I am planing to pay off my wife’s credit cards, she had $10 000 before we got married (10 years ago), and she now have $15 000 debts in credit cards. I personaly don’t have any credit cards or debts (except for the house payment). How can I be sure that she ... Read More »

Where Can I Got to Get a Credit Check? – Jessica

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“Dear Steve, My husband and I have had bad use with credit cards, but most are over 7 years old. Where can i go to get a credit check to see where i can start? Jessica” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, ... Read More »

My Wife and I Are Trying to go for a Home Loan. How Can We Clean Up Our Credit? – Brad

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Brad “Dear Steve, My wife and I are trying to go for a home loan here soon and have some bad things on our credit from years ago.. we don’t know how to contact them or who to talk to. We need someone to tell us the right things to pay off in order to boost our credit not lower ... Read More »

I Am Totally Helpless When it Comes to Understanding my Credit Report – Janet

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“Dear Steve, I am totally helpless when it comes to understanding my credit report, and making a choice as to what to start paying back first. What do i need to do to get things straight? Janet” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, ... Read More »

My Credit Reports Are in Such Bad Shape That I Can’t Get Credit Anymore. – Mariana

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Mariana “Dear Steve, My credit reports are in such bad standing that I can not get any more credit. I suspect identity theft on my credit report from Equifax but can’t obtain a copy of it bc of all the fradgulent claims such as a mortgage on a home – I dont own a home. How can i get a ... Read More »

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