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Tag Archives: credit score

I’m Trying to Get Rid of Medical Debts. – Kim

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“Dear Steve, Hi, I recently been trying to raise my credit score. I have fair credit; my issue is getting rid of medical bills that’s my main issue. iI am 41 yo and my debt is $7,000 in 95% being medical. Can you help me sort this out? Thank You. Kim” Don’t miss our free Get Out of Debt – ... Read More »

Bad Credit Debt Consolidation – Brutally Honest Advice

Bad Credit Debt Consolidation Loan Scam

I could not help but notice the huge numbers of people searching for information for bad credit debt consolidation information. The phrase is almost an invitation for a bad outcome or maybe just an oxymoron. When you have bad credit it is not an invitation for a debt consolidation loan from a debt consolidation firm. People that lend money are ... Read More »

We Had Excellent Credit But Now We Live Month-To-Month. – Jen

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“Dear Steve, We are a young family of four. My husband nets $890 per week. Our mortgage is $362 every week. ($196,000 @ 5.5% 30 year fixed) I do not work but stay home with two little ones… daycare costs prohibit me working. We are swimming in credit card debt. A total of $17,193 from 5 cards with monthly minimums ... Read More »

Secret Credit Bureaus You Don’t Know About, But They Know About You

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So let me tell you a story about secret credit bureaus that you don’t know about. Most of us have some knowledge about the three major credit bureaus that hold our credit report and credit score. The three biggies are Equifax, Experian and Transunion. But there are more places that hold information about you. Have you ever heard about Innovis? ... Read More »

Debt Settlement Companies Draw Wrong Conclusion About Recent FICO Score Facts

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In a press release by Morgan Drexen (Morgan Drexen Warns Consumers: If You Choose Bankruptcy You Could Face a Devastating 240 Point Decline in Your FICO Score) the debt settlement company draws the conclusion and states “Perhaps the difference between debt settlement and bankruptcy, when it comes to FICO scoring, is simply this: through debt settlement, the consumer is making ... Read More »

How Much For How Long Would a Settlement Hurt My Credit Score? – Leanne

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“Dear Steve, I have credit card debt on one card of $18,000. They are willing to settle with me through their settlement dept. for $10,800. I am only making the minimum payments on this account. My credit score is in the 7 hundreds and I don’t want to do much damage because I would like to buy a house in ... Read More »

How Can I Increase My Credit Score in the Next Couple of Months? – Kristine

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Because of the volume of submitted questions, I am behind in personally answering every single one. I need your help. I am publishing the question below for you to answer. Please help this person by adding your response and advice in the comments section of the original question. Click here. “Dear Steve, I have a credit score of about 458 ... Read More »

What Can I Do to Get My Husbands Credit Score to Go Up Instead of Down? – Aubrie

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Aubrie “Dear Steve, My husband and I are trying to refinance our home. In order to be approved we need a credit score of 620. My husband had a few medical collections on his credit report, so I payed them off. His score went from 609 to 575. Why would paying off old collections cause my husband’s score not only ... Read More »

My Credit Score is Dropping. Is Yours?

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I am pissed off. I carefully monitor my credit report and credit score. In fact I just refreshed my consolidated credit report again today and guess what, my score from all three credit bureaus has dropped. But the spread among all three is now 17 points different rather than the 19 points that it was. Credit scores are not designed ... Read More »

The Five Myths About Bankruptcy. Watch the Video.

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Thanks to Twitter I discovered a new video out of a news story on the five myths about bankruptcy. The myths are: You should be dead broke until you file for bankruptcy. Bankruptcy ruins your credit score. You lose your home if you go bankrupt. You should max out your credit cards before going bankrupt. You should raid your 401(k) ... Read More »

My Ex-Husband Was an Authorized User on My Credit Cards and Ran Them Up. I Went Bankrupt. – Lauren

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“Dear Steve, My husband and I are in a Ch. 13 Bankruptcy. I filed because my ex-husband was an authorized user on my credit cards I had when we were married. He ran it up and we got divorced. I moved with my job out of state and had an outrageous car note that he agreed to help me pay. ... Read More »

Will Cashing Out My 403b Negatively Affect My Credit? – Luke

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Luke “Dear Steve, I have a great employer pension, a decent 401k, and a small 403b($7000). I am not worried about retirement. I tried several years ago to combine the 403b into the 401k and was told I could not do that. I have no credit card debt but ridiculous student loans and a car payment. This summer I have ... Read More »

My Credit Score is Low. How Do I Fix It? – Brook

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“Dear Steve, The collections on my credit score are very high and I am overwhelmed how to fix it. However I don’t want to get scammed by a credit repair services but I really need some help! Where do I turn for help? Brook” Read More »

I Got My Credit Report But How Can I Improve My Credit Score? – Melissa

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“Dear Steve, I received a credit report print out from all 3 credit bureaus. My credit score ranges from 604-639. I have an outstanding debt from a collection agency for $1500. And another for $183. I have paid a car loan off and I have one credit card with a $250 limit,which is current with a zero balance. I also ... 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 »

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