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Tag Archives: credit score

Ways to Build Credit Without Relying Solely on Credit Cards

Debtstar

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Only a small portion of your FICO score is based on having and using revolving credit. The first step is to understand what goes ... Read More »

How Do I Take Care of The Two Old Debts on My Credit Report? – Alexandra

help woman

“Dear Steve, I used to have a Chase Credit Card for $500. I haven’t used it since 2008 and because of some problems and no money at that time couldn’t afford to pay it out ($331). Now I got stuck with this credit card reporting each month on my Credit history as a collection. Also I have a medical Collection ... Read More »

Should I Get a Charge Off Removed From My Credit Report? – Defanso

credit good

“Dear Steve, My overall credit goes from fair to good depending on the credit agency, scores 686, 704, 708. For the past 2 years my payment history listed as 99.99% on time. I’ve paid off all of my credit card debt to $0, Only having my student loan & my mortgage outstanding. Only thing I see that is holding my ... Read More »

I’m Only Going to Live on Cash and I Don’t Care About My Credit Score. – Lee

Debt is a scrape, not a mortal wound.

“Dear Steve, If I had the money to settle ,then why would I not just pay the debt? Seems to me it would have a two fold effect 1 would not have to deal with those damn phone calls. 2 would not need to worry about credit score. I don’t worry about anyway, cause I do not plan on buying ... Read More »

Credit Reports Screwed Up. Anyone Surprised?

"Credit rating" handwritten with white chalk on a blackboard

A Federal Trade Commission study of the U.S. credit reporting industry found that five percent of consumers had errors on one of their three major credit reports that could lead to them paying more for products such as auto loans and insurance. Overall, the congressionally mandated study on credit report accuracy found that one in five consumers had an error ... Read More »

I Want to Improve My Credit and Get a Mortgage With My New Wife. – Devin

Couple Buying House

“Dear Steve, Although I have made great strides in the last 4 years, I brought a poor credit history and score to our marriage (married for 5 months). My wife, whose name is on our mortgage as she owned our home prior to our marriage, is happy and proud of the work I’ve done to raise my score from 590 ... Read More »

My Credit Score Sucks. How Can I Make It Better? – Thomas

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I have a great job $80k a year, two kids and a wife who watches the two children destroy our home all day. I’m 28 and all of my debt is a whopping $500 or so. The debts are from companies like At&t they claim I didn’t return my equipment (I did), so I refused to pay them ... Read More »

I’m 21 Years Old and My Credit Score Sucks. How Can I Improve It? – Lore

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, Hello, I am 21 years old and recently checked my credit score. Due to pass due bills not being paid I am carrying a 580 credit score. I am aware that this is horrible but I am not sure how to go about getting this fixed. I already have a secured credit card to help improve my credit. ... Read More »

I Want to Get a Student Loan to Improve My Credit Score. – Eli

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I have a great credit score (mid-700′s), nothing negative in my credit history, 10 year credit history, 10 open credit cards, have paid every single credit card bill in full on time my entire life, 2 car loans, mortgage. With interest rates at historic lows, I’m looking to refinance. However, I’m finding that I can’t get the best ... Read More »

My Fiancee is in Debt. How Can We Get Rid of it Before We Marry? – David

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, My fiance is in about $2,000 debt. I knew he had debt but we’re just now talking about all of this. It’s with three different places. Golds Gym -$861, Dish Network -$479, and Verizon -$789. We were planning on finding our own apartment in less than a year but we need this paid off before we do anything; ... Read More »

Suicide Over Student Loans. Tragic But Understandable.

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It seems more people are contacting me these days who look at suicide as a way out of primarily private student loan debt. I’m sure you have the same visceral reaction as I do and feel everyone needs to be talked off the ledge. But in the hard light of day, considering suicide as a way to deal with student ... Read More »

I Had Good Credit and Then Got Behind. I Want a Quick Way to Raise My Credit Score. – Tim

justball-144x125

“Dear Steve, Score was 720 a few years ago than the economy and credit card processors held my companies money! Now my score is in the 400s how do I get it back up So I had a great credit score, the economy tanked and my credit card processor at the time started to hold funds on my business without ... Read More »

Credit Reports, Credit History, and Credit Scores in Hiring and Job Performance. Is It Even Fair?

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You hear all the time how credit history can impact your ability to get a job. In the debt relief world debt settlement and credit counseling companies claim bankruptcy prevents people from getting jobs and that’s why people need to use their services instead. But what is reality and what is the negative impact of alternative interventions like debt settlement ... Read More »

Is It Illegal for a Creditor and Collector to Report The Same Account? – Josh

justball-144x125

“Dear Steve, Is it illegal for both a creditor and a collector to report the exact same account? I have several old credit cards that show charged off and then a duplicate of that account by a collection agency. Isn’t that double and even triple punishment for the same account? My credit score goes lower whenever the same account is ... Read More »

Credit Score Dropping, I Owe the IRS, and Need More Student Loans

justball-144x125

I have been trying hard over the past years to get out debt. I currently owe the IRS , have student loans, and to make it worse I am back in graduate school accumilating more debt. I have also noticed that my credit score has been decreasing and want to know what to do to make this better. when you ... Read More »

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