Tag Archives: poor credit

I Have Bad Credit, NSF Fees, and Just Signed Up With CareOne. – Michelle

“Dear Steve, My credit score is 587; due to a collections on my credit report that I forgot about; I called them and they would not take a “settlement” and want all the $$$; of course I am working about paying them off..I messed up my banking account a couple of months ago by $300.00 [...]

Should I Pay My Old Debts or Just Let Them Fall Off My Credit Report? – Lucas

“Dear Steve, I got laid off about 6 or 7 years ago. During that time, all my accounts; credit cards… loans, personal accounts went into default. Today, over 6 years later, my credit is worse than it has ever been. I believe that all my credit cards,and accounts that went into default fall under “expired [...]

How to Buy a House With Marks on Your Credit

If you have any negative marks on your credit such as a late payment, default, repossession, lien, judgment or bankruptcy you probably think you’ll never be able to buy a house. Not so. If you have a steady and secure income that is high enough so you can afford to make the monthly payments, and [...]

I’ve Got a Debt Situation. Can You Please Listen? – Noname

Noname “Dear Steve, My situation now seems totally hopeless and I am facing homelessness I am not sure if I am asking a question (or questions) of you or just need you to read and listen, probably a little of both. I am a single/divorced women in her mid-fifties. I was divorced and raised my [...]

Jennifer Says “We Have Accumulated So Much Debt And Bad Credit. What Do We Do?”

“Dear Steve, We have accumulated so much debt our credit score is to low to even buy a house. I’ve been looking into different programs to help, unfortunately the charge money I can’t afford either, we have to do this on our own. If a creditor is offering to let you pay over 4 payments [...]