Tag Archives: low credit score
- Top 3 Cures for a Low Credit Score
A low credit score is bad news, particularly if you are trying to renegotiate the terms of a loan, applying for a home loan, trying to land a job, or searching for an apartment. In today’s environment, you need a high credit score for a slew of reasons. So if you need to build your [...]
- I Paid Off an Old Debt and My Credit Score Went Down. – Michelle
Michelle “Dear Steve, To pay or Not to pay…. that is the question. Have a old debt (over 2 years old) I have been told not to pay it because if I do it will make a negative mark on my credit. I know this is true because I paid off something else which was [...]
- I’m Feeling Defeated About My Financial Future. – Nicki
Nicki “Dear Steve, When I left college with credit card debt I had no way of paying, no real job and student loans piled on top, I was struggling to keep from drowning in debt. Top that off with medical isses (no insurance) and those bills, it took almost seven years to pay back the [...]
- Can I Get the Bank to Remove the Charge Off From My Credit Report? – Ellen
“Dear Steve, My credit score is currently listed at about 560 ish with Experian and Equifax. There are a total of 5 olds accounts all not more that 400.00 dollars. I paid 3 off and I’m waiting for my paid in full letter. the other two I am disputing because a junk debt dealer bought [...]
- Is It Possible to Easily Increase My Credit Score? – Tamara
Tamara “Hi Steve, I graduated with my Masters Degree this past June 2009 in Speech Pathology. I have over $100,000 in school loans and a car loan of approximately $10,000. My credit score is 716. I am trying to increase my credit score to above 720 to qualify for a conventional housing loan to purchase [...]
- Pam Asks “Does a Deferred Student Loan Lower Your Credit Score”
“Dear Steve, I have $40,000 in credit card debt but have never missed a payment.I am trying very hard to make more than the minimum payment. I have a long credit history with no late fees ever. My credit score is about 750. I have 3 kids in college and have outstanding deferred students loans [...]
- How Can I Increase My Credit Score in the Next Couple of Months? – Kristine
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 [...]
- My Credit Score is Dropping. Is Yours?
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. [...]
- I Am a City of Houston, Texas Employee and Need to Repair My Credit so I can Build a House. – Jocelyn
Jocelyn “Dear Steve, I am a 15 year City of Houston, Texas employee. My gross income is about $27,000 a year. We get no raises or cost-of-living adjustments. However, despite my low income I have managed to purchase a piece of property. Years ago I became ill with a form of cancer and ended up [...]