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Credit Report / Credit Score

Where Can I Got to Get a Credit Check? – Jessica

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“Dear Steve, My husband and I have had bad use with credit cards, but most are over 7 years old. Where can i go to get a credit check to see where i can start? Jessica” Dear Jessica, It’s really important that you get a copy of your consolidated credit report and credit score. You can use this credit report ... Read More »

    Can I Get the Bank to Remove the Charge Off From My Credit Report? – Ellen

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    “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 the accounts, changed account numbers ... Read More »

      Should I Bother to Payoff Old Debt to Improve My Credit Score? – Kristen

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      “Dear Steve, I have recently started to pay down some of my old debts, but have become somewhat skeptical of how effective this tactic is in regards to improving my credit score. I have heard a wide variety of things from different people. My question is, if the accounts are already in collections and they are old, should they still ... Read More »

        Family Member Took Out Account in Husband’s Name And Then Settled It. – Dawn

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        “Dear Steve, A family member opened an account in my husbands name wihout him knowing about it and they settled the acount for less than was owed and we want to but another house soon and this is hurting his credit report is there a way to get this removed from his credit report Dawn” Dear Dawn, You would probably ... Read More »

          I Have Followed in My Parents Footsteps. – Sheena

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          “Dear Steve, 30 Years old, bad credit, one account in good standing, paid off all but 12000 in debt. Total household income $50,000 I am in the process of trying to pay off my debt and re-establish credit but I don’t know where to begin. I have saved $2000 for emergencies. Not I am in the process of paying off ... Read More »

            How Can I Get My Credit Card Debt Reduced Without Changes to My Credit Score? – Wondering

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            “Dear Steve, My credit score is above 790. I am unemployed and receiving $450/week in unemployment insurance. I have less than $10k in savings and do not own a home. My car is 12 years old. My monthly expenses are $2,500. I owe $21K on 2 credit cards: $17k is at 0% interest until April. $4k is at 12.99% — ... Read More »

              Will My Bad Credit Affect My Future Husband? – MRG

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              “Dear Steve, I have a huge student loan and credit card debt I am trying to pay off. I will also be getting married next year to somone who has a gredit credit score. I’m working to get out of my credit card debt but my student loan will take 20 year s to pay off. I do not have ... Read More »

                I Paid for Credit Repair. Was That and Trying to Do ‘Pay to Delete’ a Smart Thing to Do? – Tiffany

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                “Dear Steve, ONE year ago in march I paid a credit repair person over $500.00, they were recommended by a mortgage lender I saw. He told me it would take 4 to 6 months and my score will be were I needed it to be. Totally hasn’t been the case. I spoke with the manager of the company who knew ... Read More »

                  I Saw You Sugegsted LendingClub to Someone. Should I Try That? – Renee

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                  “Dear Steve, I am a divorced single mom of 2 pre-teens, work full-time, I am a homeowner and I have no savings. My problem is this: After paying for the mortgage, utilities, insurance and bills, I have very little left to live on. This has resulted in my using credit cards as a “back up” – and I need to ... Read More »

                    I Filed Bankruptcy. How Do I Legally Rebuild My Credit? – Janet

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                    “Dear Steve, I finally filed for bankruptcy. I am anxiously waiting for my hearing. But I am now trying to look forward to the next phase in the process of getting back on my feet. I filed Chapter 7. I have a house that I am current on with very little equity, so I will be able to keep the ... Read More »

                      Can I Contact My Creditor And Ask Them to Remove the Charge Off From My Credit Report? – Keisha

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                      “Dear Steve, Four years ago, I had four charged off accounts which I later paid in full. They remain on my credit report, but now show as “charged off/paid”. I made agreements with the credit card companies and/or collection agencies before paying them off, not knowing I could request a pay for delete. Can I contact the original creditor or ... Read More »

                        Some Old Debts Just Resurfaced on My Credit Report. – Carrie

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                        “Dear Steve, Several years ago (6-8 years) I accumulated approximately $25,000 of debt and no reasonable way to pay it back after a divorce. I dodged the creditors and collection agencies-but never had the means to pay anything to any of them. (I lived in subsidized housing,received food stamp benefits and was qualified for rehab services for my hearing loss, ... Read More »

                          How Much Debt Do I Have? – Matt

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                          “Dear Steve, I’m looking to find out how much debt that I have to clean up my credit, I have outstanding medical records and missed payments and several things sent to collections How do i find out how much debt that I have and how do i begin to clear up my debt? Matt”   Dear Matt, Not a problem. ... Read More »

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