Latest Posts
Home > Ask The Get Out of Debt Experts > Credit Report / Credit Score (page 5)

Credit Report / Credit Score

Should I Accept the Settlement Offer From the Debt Collection Agency?

Ready to Collapse

“Dear Steve, Until five years ago, I had been having horrible credit problems. I stopped paying everything from the past, and started living without credit, spending within my means. Almost everything has fallen off my credit report, since most are over 7 years old. I have one bad account that is only five years old. I received an offer to ... Read More »

    Negatives on Credit Report from Student Loans

    Ready to Collapse

    I have negatives on my credit report (CR) from two types of debt. Nine of the negatives are from student loans that I thought were in deferment but where not. Once I found out I made a payment to bring the loans current and now currently in deferment. The other negative is from cancellation of credit card debt. All the ... Read More »

      How do I keep track of our credit along the process of bankruptcy. – Rosi

      Ready to Collapse

      In the past I was a total slave to our credit scores, checking daily and subscribing to different ‘watcher’ programs. 2 years of unemployment and filing for bankruptcy has cured that, but I am wondering what if anything you would suggest for keeping track of our credit during and after the bankruptcy process. If there is one thing I am ... Read More »

        Should I dispute the debt with original creditor or let it fall off my credit report? – Melanie

        Ready to Collapse

        I have two credit cards that were charged off. I did not open these accounts. One was opened in 2005 and the other in 2006. They were sold to a collection agency. The last time the original creditor updated the accounts was in 2009. If I dispute these accounts would it hurt my credit score if the items came back ... Read More »

          Credit Card Companies Keep Reducing My Credit Line as I Make Payments. – James

          Ready to Collapse

          Several of the credit card companies that I am paying off are now reducing my line of credit by the amount of payments that I am making to pay off these debts. Of course when they do this they always sight my credit report shows that my balances to available credit is too high. How I am ever going to ... Read More »

            Just Had Negative Items Removed From Credit Report. Will My Score Go Up? – Melanie

            Ready to Collapse

            I just had a tax lien removed from my Equifax credit report. I also had eight other items removed from my Equifax report. Four of them were new collections. All under a year old. On my TU report I had ten items removed. A few were under a year old. I had one 10 items removed from my Experian report. ... Read More »

              Should I close cc acounts that I haven’t used in a long time (or will use)? – Sarah

              Ready to Collapse

              I have 5 credit cards that I no longer use and have carried a zero balance for 3 yrs. Should I close them? If I do, will it affect my credit score and/or my ability to secure a loan in the future (if I need a loan)? I currently have 3 active (revolving) credit cards and 2 lines of credit ... Read More »

                Disputing 5 year old charge off that is not mine. – Melanie

                Ready to Collapse

                I recently disputed two credit cards that were charged off in 2006 because these are not my accounts. I never signed anything that said that I was responsible for these accounts. I received my Experian dispute results and the accounts were “processed”. I reviewed the updated report and both accounts came back as updated. What should I do now? Should ... Read More »

                  When Will My Defaulted Gym Membership Fall Off My Credit Report? – Sherri

                  Ready to Collapse

                  a gym membership that was for stopped The amount is posted to my credit report each month with and added two dollars. It looks like a new debt but is the same one. I had a death in the family and stopped the membership after paying for a year. They say a two year contract would have to be paid ... Read More »

                    What can I do to clean up the last hang ups on my credit report? – Jon

                    Ready to Collapse

                    6 1/2 years ago, my wife and I got married. She had just graduated college and apart from student loans, we had worked to eliminate her debt. Neither of us had car loans, I had a credit card with no balance, and I had just bought a house. This is where it gets ugly. I couldn’t technically afford the house ... Read More »

                      How Can I Find Out Who I Owe? – Jessica

                      Ready to Collapse

                      “Dear Steve, I’m looking to pay off and debts that have hampered any credit that qualifies me for a new home someday soon. I don’t have the best memory of what I am in debt with since I turned 18. I am 29 now and have been in small debts to banks from overdraft fees, had a child, neglected former ... Read More »

                        Retail Store Credit Cards: How Many = Too Many?

                        Ready to Collapse

                        “Would you like to save 10 percent on your purchase today by applying for a retail store credit card?” Does that sound familiar? Just about every major clothing and electronics store has promotion aimed at getting people to sign up for a store-specific credit card. But what you don’t know about retail store credit cards could hurt your wallet and ... Read More »

                          The Credit Report Has the Wrong Name on It as an Alias. – Paul

                          Ready to Collapse

                          “Dear Steve, My brother’s name is Chris H and my wife’s name is Carrie H. Some how my brothers credit report has him listed as Chris H AKA Carrie H. They filed a report with the credit bureaus explaining the error but it hasn’t been fixed and this has been going on for quite a while. A friend of my ... Read More »

                            How Can I Do Myself What the Credit Assistance Network Wants to Charge Me For? – David

                            Ready to Collapse

                            “Dear Steve, I found a website on the internet that appeared to offer what I want in doing the heavy lifting of tracking letters to credit bureaus to remove old debts (that are over 7 years) and incorrect data that could be driving my scores down. The website is the Credit Assistance Network. It looked reasonable. Then I saw a ... Read More »

                              How Long Will it Take to Get Good Credit After Bankruptcy? – Amy

                              “Dear Lewis, My husband and I filed bankruptcy chapter 7 in Dec. 2010 and it was discharged in march 2011. I have previously worked as a bank teller before we moved states( which caused our bankruptcy because we couldn’t sell our house). I have had 2 great interviews for bank teller but my credit report denies me a job. How ... Read More »

                                Get My FREE Get Out of Debt Guy Newsletter

                                I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.You can unsubscribe at any time with just one click.After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

                                I promise to keep your email safe and secure.