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Tag Archives: credit report

Credit Scoring is a Scam and a Fraud

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Photo Credit: The Truth About I was just sitting here and noticed that someone searched for “credit scoring is a scam and a fraud.” Kind of an interesting search. Frankly I never thought of it like that. But that reality is that point of view isn’t all that far off. You see the impression people have about a credit score ... Read More »

True Cradle Robbers – Stealing Credit From The Cradle

It’s often not a parent’s first thought to check the credit report of their minor child, however, it may now become a necessity. Not because a child may fraudulently be using credit without their parents’ knowledge but because scammers may have stolen their unused Social Security number and identity. The Better Business Bureau (BBB) put out a warning last week ... Read More »

Creditor Keeps Reporting I Owe a Balance on My Credit Reports When I Paid It Off. – Mard

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“Dear Steve, I had a total of debts that equal about $5000.00 I paid them all within 1 week which most were in collections,but to make a long story short they took off the balance that I owed on the debts after they were paid and i have all the paper work and documents showing proof that they were paid.About ... Read More »

Why Does My Old Debt Still Show on My Credit Report? – Sherri

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“Dear Damon, old debt get sent in over and over. same debt with a couple added dollars. when does this debt come off of report? is it seven years from the first time reported? how to get it off? thanks Sherri” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for ... Read More »

How Do I Get Duplicate Accounts Off My Credit Report? – Tracey

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“Dear Steve, i’ve been paying off my old debts and monitoring my credit report. i’ve noticed that the orginal debtor and the collections agency are both on the reports. it looks as if i have more debt than i do. is there anything i can do about the duplicate reports? Tracey” Don’t miss our free Get Out of Debt – ... Read More »

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 »

Bank Errors Taint Credit Reports and Lower Credit Scores

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by Marian Wang, ProPublica, We’ve pointed out cases in which banks’ miscommunication and disorganization have caused mistaken foreclosures [1], but as several recent [2] reports [3] have noted, that’s not the only way in which bank mistakes have affected homeowners. Some consumers have been surprised to see damage to their credit score after requesting information from the banks. One Nevada ... Read More »

SteveSavers – Group Discounts to Save Big Bucks on Debt and Credit Help

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Today I’m announcing a new free service of the GetOutOfDebt.org site, SteveSaver’s. So what is a SteveSaverTM you are probably asking? There are a number of areas that people spend money on credit and debt issues. They spend money on credit counseling, credit reports, credit scores, debt settlement services, etc. So I thought, let’s bring group saving discounts offers to ... Read More »

I Paid My Debt to the Debt Collection Agency and Then They Closed. – Nick

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I paid a debt to a debt collection agency and a month later the closed shop without notice. My credit report still shows the debt and they can not be reached by phone or mail. I tried to settle it in civil court but the judge says that if they can not be contacted then there is nothing the court ... Read More »

Use of Credit History in Hiring is Another Form of Unfair Discrimination

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From the title alone some readers might have a visceral response that this article is going to be another liberal rant about the need for bigger government and more regulation. It’s not, so keep reading. There is no understanding of how many employers use credit histories in their hiring process. Consumers are afraid of the background check and employers are ... Read More »

Teresa Writes In “I Have Too Many Credit Cards”

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Teresa “Dear Steve, I have too many credit cards. Where do I start to get rid of them? Teresa” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here The Answer   Dear Teresa, Credit cards don’t ... 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 Do You Value Your Quality of Life? Debt Solutions to Fix The Future

Photo Credit: Cayusa

Debt doesn’t just affect the people actually in debt, it often affects the ones around them, near and dear to them. I know this from first hand experience as someone who has loved and lived with someone so deep in debt they could not see a way out. Not only is the emotional toll hard on the debtor but also ... Read More »

I Would Like to Consolidate My Debt, However I’m Having a Difficult Time Finding Someone Who Will – Laurie

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“Dear Steve, I am current of all of my debt. Do not have any past due debt. I do have about 25,000 in credit card debt and would like to consolidate, however am having a difficult time finding someone. Also, my main problem is that I have a Bank of America card fo 12,000 that they just raised my interest ... Read More »

Opal Writes In “I’m Worried About Hurting My Credit If I Close Credit Card Accounts”

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Opal “Dear Steve, I have two or three credit card that are debt free. Should I close these accounts since I don’t use them and don’t need but one active card? Would it go against my credit to close these? Opal” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for ... Read More »

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