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Credit Report / Credit Score

I Want to Improve My Credit and Get a Mortgage With My New Wife. – Devin

Couple Buying House

“Dear Steve, Although I have made great strides in the last 4 years, I brought a poor credit history and score to our marriage (married for 5 months). My wife, whose name is on our mortgage as she owned our home prior to our marriage, is happy and proud of the work I’ve done to raise my score from 590 ... Read More »

    My Credit Score Sucks. How Can I Make It Better? – Thomas

    "Credit rating" handwritten with white chalk on a blackboard

    “Dear Steve, I have a great job $80k a year, two kids and a wife who watches the two children destroy our home all day. I’m 28 and all of my debt is a whopping $500 or so. The debts are from companies like At&t they claim I didn’t return my equipment (I did), so I refused to pay them ... Read More »

      I Screwed Up My Credit When I Was Younger. Now I Want to Buy a House. – Mark

      yard

      “Dear Steve, Steve, when I was 22 I signed up for a credit card and treated it like free money. I signed up for 2 more over the next few years and maxed them all out. I racked up 20k in debt and paid the credit card companies $100/card a month until I just got frustrated and behind and then ... Read More »

        I Had a Walmart Credit Card I Forgot to Pay. It Hurt My Credit. – Estee

        "Credit rating" handwritten with white chalk on a blackboard

        “Dear Steve, I have a bizarrely stupid question. I moved around a few times when I was in college, and I had (among other cards) a WalMart credit card with no balance. I never used it after I moved (I don’t live near a WalMart), and I just forgot about it. After one move, I even forgot to change the ... Read More »

          A Credit Repair Company Said If We Settle Our Own Debt it Will be Taken Off Our Credit Report. – Anne

          "Credit rating" handwritten with white chalk on a blackboard

          “Dear Steve, My husband and I had a financial meltdown 3 years ago. had to short sale our house, I wasnt able to work for medical and child reasons. Had got in over our heads with a large mortgage then ended up with large credit card debt trying to save our home.had approx $80000 in credit card debt. We were ... Read More »

            Should I Try to Pay to Delete Bad Items on My Credit Report? I’m Confused. – Sunny

            stressed-woman

            “Dear Steve, I have a few delinquent accounts on my credit. They have been there for a couple of years and it is to my understanding that it will stay on my credit for 7-10 years. I am 21 years old and just now trying to establish credit for myself but these accounts are making it pretty difficult. I have ... Read More »

              I’m 21 Years Old and My Credit Score Sucks. How Can I Improve It? – Lore

              "Credit rating" handwritten with white chalk on a blackboard

              “Dear Steve, Hello, I am 21 years old and recently checked my credit score. Due to pass due bills not being paid I am carrying a 580 credit score. I am aware that this is horrible but I am not sure how to go about getting this fixed. I already have a secured credit card to help improve my credit. ... Read More »

                How Do I Deal With My Old Debt I Owe? – Sarah

                "Credit rating" handwritten with white chalk on a blackboard

                “Dear Steve, I am looking to improve my credit score which is around 600 now. I currently have a judgement against me that I am working to settle on, but I have credit card and medical debt that is also hurting my credit. Some of my debt is over 7 years old, and I am going to write the credit ... Read More »

                  I Want to Get a Student Loan to Improve My Credit Score. – Eli

                  "Credit rating" handwritten with white chalk on a blackboard

                  “Dear Steve, I have a great credit score (mid-700’s), nothing negative in my credit history, 10 year credit history, 10 open credit cards, have paid every single credit card bill in full on time my entire life, 2 car loans, mortgage. With interest rates at historic lows, I’m looking to refinance. However, I’m finding that I can’t get the best ... Read More »

                    I Want to Start My Own Business But I Have Bad Credit. – Rondell

                    chalkboard

                    “Dear Steve, 49 years old….i work construction…i make pretty good money…i want to start my own buisness…with in the next two years…my credit score is in the dumps about 580…im very shame of this…at one time i had a credit score of 750…i didnt take any of it serious…want to better my credit score and financial situation.. Im $15,000…in debt ... Read More »

                      My Fiancee is in Debt. How Can We Get Rid of it Before We Marry? – David

                      "Credit rating" handwritten with white chalk on a blackboard

                      “Dear Steve, My fiance is in about $2,000 debt. I knew he had debt but we’re just now talking about all of this. It’s with three different places. Golds Gym -$861, Dish Network -$479, and Verizon -$789. We were planning on finding our own apartment in less than a year but we need this paid off before we do anything; ... Read More »

                        What Can I Do to Remove Wells Fargo From My Credit Report? – Benjamin

                        Ready to Collapse

                        “Dear Steve, I check my credit score! In which I found out my lender Wells Fargo who I had a house back in 2004 still has my credit on hold until 2015! My question what can I do to get that removed from my credit score? What can I do to remove a bad credit from 2004 that is making ... Read More »

                          My Past Credit is Dragging Down My Credit Score. I Want to Buy a House.

                          "Credit rating" handwritten with white chalk on a blackboard

                          “Dear Steve, I went through a bad health crisis several years ago (2005-2007/2008) at which time I was in and out of hospitals for periods of up to 15-30 days at a time, on disability and struggling to keep all the bills straight and paid, especially all the different Dr. and medical bills that kept rolling in. Needless to say, ... Read More »

                            My Husband Could Not Pay His Rent 6 Years Ago. Will This Follow Him? – Kris

                            Ready to Collapse

                            “Dear Steve, Over 6 years ago, my husband was 19 year old and he lost his job. He was unable to find another one to pay for his apartment, so he ended up moving back in with his mom. He still owes that apartment complex about $2500 and it is going to be VERY difficult for us to pay this ... Read More »

                              I Was Told Not to Pay My Default Debts But I Want to Rebuild My Credit. – Leonard

                              Ready to Collapse

                              “Dear Steve, I’m turning 22. I have defaulted student loans, several phone bills that went into collections, a credit card that went into collections and also medical bills that are soon to go into collections. I’ve finally been able to secure a decent job, and I want to start rebuilding my credit … my score is horrible, in the low ... Read More »

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