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Credit Report / Credit Score

Can the Creditor and Collection Agency Both Show the Same Account On My Credit Report? – John

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“Dear Steve, Have settlement letter from collection company and will complete the last payment in Oct. The original creditor continues to show the remaining balance of debt and reduces it with each payment that I make to the collection company .The collection company is also making monthly reports that I have the debt but no balance. Is it legal for ... Read More »

    I’m 22 and Need to Fix My Credit So I Can Buy a Car

    credit good

    “Dear Steve, I am 22 years old. I have never had any help with my family with any money growing up. I graduated High School in 2009 and started out with a couple credit cards. Bank of America for School books and Best Buy for a laptop. I also had a car payment that my sister had underneath her credit ... Read More »

      My Experian Credit Report Still Shows Old Negative Items – Joseph

      Writing Q&A, Questions and Answers on a blackboard.

      “Dear Steve, I just received an investigation report from Equifax that the 03/2008 Collection Account has been fully paid since 03/2010 and is currently reporting a zero balance for this account. Yet, when I printed my 05/21/2013 Credit Report the said account is still listed with Experian and a part of my High Impact Differences. I also had fully paid ... Read More »

        We Have Some Items On Our Credit Report We Want Removed – Lisha

        No problem

        “Dear Steve, We started to have troubles making payments. Did Bankruptcy. Trouble again and we re-fied our house not once or twice about 4! Took a 2nd out… Around and around sprial…. husband lost his job. Lost house. Moved out of state and did Bankruptcy AGAIN! It was bad decision after bad. And it was all in thinking we were ... Read More »

          I Have an Old Credit Card on My Credit Report. Will It Go Away? – Julie

          goodbye

          “Dear Steve, There is a credit card debt on my credit report that is more than 10 years old. I can’t get any questions answered or removed from my credit report. I’m in California. How long is the debt collectable? What is the statute of limitation on collecting the debt? What can I do to get it removed? Julie” Dear ... Read More »

            How Do I Get Equifax to Remove Old Accounts Off My Credit Report? – Angela

            Nr. 61

            “Dear Steve, How do you get Equifax and other agencies to take accounts over 7 years old off of your account? When does the 7 years start from what date? Angela” Dear Angela, Thanks for writing in and asking. It is a common question people have and get confused about. Negative items on your credit report should automatically be removed ... Read More »

              Filed Bankruptcy to Avoid Eviction. Can I Get it Off My Credit Report? – Shawnale

              Why?

              “Dear Steve, I followed expensive advice from attorney that I could stay and fight a no-reason eviction from an apartment I paid rent on time 2 years. I had grown attached and did a lot of maintenance there and was lead to believe I could stall moving out for months. I filed three months straight, allowing dismissal because I don’t ... 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 »

                  The Collection Agency Knows I’m Not Responsible But They Keep Trying to Collect. – Jonathan

                  Frustration

                  “Dear Steve, I have a medical bill thats on collection that doesn’t belong to me. I tried to dispute but the only one of the credit bureau. Its a medical for a doctor, i never been to. When i call the collection agency, they told me its for a yessenia torres, when she took her daughter to the doctor. I ... 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 »

                      How Can We Get the Bank to Not Report the HELOC Short Sale? – Teresa

                      Real Estate Concept

                      “Dear Steve, House was paid in full. Took out a HELOC that got under water. Bank has accepted a short offer. Payment on HELOC was never late. Credit score currently very, very high. We took out a HELOC a few years ago that was used toward building costs of the new house we live in now. The original house became ... 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 »

                          Getting Ready to Buy a House and an Old Debt Has Resurfaced. – Sara

                          "Credit rating" handwritten with white chalk on a blackboard

                          “Dear Steve, I have recently cleaned up my credit report as I’m getting ready to buy a house. I was contacted by a third party collection agency to pay an old written-off debt to a bank from 2005. I live in WA state. Isn’t the statute of limitations up on this debt? Do I still have to pay? Do I ... Read More »

                            I Would Gladly Pay to Delete My Negative Credit Report Entry

                            credit card verification

                            “Dear Steve, Chargeoff with closed Lowe’s credit card from 1/2011 they sold to Portfolio Recovery. Showing on Experian as CO from Lowe’s and Collection, paid less than in full from Portfolio. I negotiated payment with Portfolio but did it before knowing to ask for “pay for delete”. Disputed with BBB as junk debt buyer not authorized to list it…denied. I ... Read More »

                              I Need Someone to Help Me Get My Financial Life on Track. – Sara

                              "Credit rating" handwritten with white chalk on a blackboard

                              “Dear Steve, I am looking for a workshop or advisor to help get my finances straight. I have a poor credit history so i need advise in working through that in addition to rebuilding my credit. I have several retirement accounts from different jobs that I am not sure what to so with. Do I roll them all together or ... Read More »

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