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Credit Report / Credit Score

Working on Raising My Credit Score and Need Some Advice. – Shawn

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“Dear Steve, Working on my credit to raise my score and need some advice and or assistance. i have pulled my credit reports and i have found a lot of discrepencies and things that should have been romoved . there are things that show an amount but no other information. there are items that are 15years old . can you ... Read More »

Should I Keep Paying Lexington Law Firm to Repair My Credit?

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“Dear Steve, Ok, I guess I’ve been in the acceptance stage for a couple of months now but still feel overwhelmed in tackling my debt despite having done a lot of research. First, I am paying Lexington $80 per month to clean up my credit report. I have seen some improvement to my credit score (I’m almost up to 600), ... Read More »

Why Does My Old Debt Still Show on My Credit Report? – Sherri

“Dear Damon, old debt get sent in over and over. same debt with a couple added dollars. when does this debt come off of report? is it seven years from the first time reported? how to get it off? thanks Sherri” Hello Sherri, The debt can stay on the report for between 7 and 7.5 years unless you are successfully ... Read More »

We Need to Raise Our Credit Scores So We Can Buy a House with a USDA Mortgage. – Amy

“Dear Damon, Been married for almost 6 years to a spender…I am the saver. my hubby has matured now, so he is ready to set our credit straight. On my credit, I have a few cell phone agreements that I broke, a repo on a truck, medical bills, and two credit cards….all of this sent to collection companies, and all ... Read More »

Can My Wife and I Independently Go Into a Debt Relief Program? – Paul

“Dear Damon, My Wife just closed her business and the outstanding unsecured debt is about 100K. My personal debt is about 38K. I want to go on a debt relief program where a company negotiates a reduced amount and interest. She does not want to do this for her debt load. Can we independently arrange for debt relief? I want ... Read More »

If My Father Buys Off My Past Debt Will It Help Improve My Credit? – Jonathan

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“Dear Steve, I’m going through a lengthy divorce and custody battle in addition to having been out of work the last 5 1/2 months. My credit is pretty awful as you might imagine (mid 500’s). My debt including my car (roughly 15k) and a loan from my father for lawyer fees (20k so far) is almost 50k. Fortunately, I will ... Read More »

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

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“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 debt” since they are atleast ... Read More »

We Are Against Bankruptcy and Want to Dig Our Way Out of Debt. – Paula

“Dear Damon, I married my husband in 2009. We have been digging out of debt since then and are just seeing the light, as he received backpay from social security. We vied his credit report, and mostly he has many many medical collections. Some back in 2004, 5, 6…all the way to this year. We are against bankruptcy and make ... Read More »

I Want to Join the Police Force But I Have an Old Debt I Owe and I Want to Increase My Chances. – Jennifer

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“Dear Steve, Hello, I am 25 years old, I just made a decision on wanting to join the police force(it’s been an option since h.s), I know a good credit is vital and mine is not so good. I have one school loan that I need to pay off and I have put off for 2 years now and the ... Read More »

I Have Bad Credit And Now I’m Trying to Buy a Home. My Bad Credit is Haunting Me. – Brian


How Do I Get Duplicate Accounts Off My Credit Report? – Tracey

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“Dear Steve, i’ve been paying off my old debts and monitoring my credit report. i’ve noticed that the orginal debtor and the collections agency are both on the reports. it looks as if i have more debt than i do. is there anything i can do about the duplicate reports? Tracey” Dear Tracey, This is a fairly easy matter to ... Read More »

I Have Good Credit But a High Utilization Rate on One Card. What Should I Do? – William

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“Dear Steve, I have good credit, and have several credit cards. On one, I have a utilization that is at around 50% (slightly more), and on another I have a zero balance. I am nervous that the one at 50% is high enough that it might effect my credit. Would it be wise to use the one with zero balance ... Read More »

Dell Finance Won’t Reopen My Account After I Mistakenly Reported it as Fraudulent. – Vincent

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“Dear Steve, With cambridge credit counseling and findind extremely difficult to get credit. dell computer closed my account. declared chapter 7 bankruptcy in 2004. by 2006 I had all sorts of credit and by 2008 I bought a new car for under 5% interest. before, during and after bankruptcy, I never had one late payment to any creditor or utility. ... Read More »

I’ve Paid Lexington Law for Help With the Student Loans on My Credit Report. – Iman

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“Dear Steve, Hi, I have a low credit score and I truly can’t figure out what i can do to fix it. I’ve paid for Lexington Law but my case isn’t really about collections or wrong information. I have student loans that are reporting individually and they defaulted so that’s the negative. I’ve since consolidated them but the negatives are ... Read More »

How Can I Improve My Credit Score? – Dylan

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“Dear Steve, 30 years of age. Need to improve credit. Tried MSI. Worked on it myself. Score went from about 600 to 630 in almost 10 months. Just wondering if you have any ideas on improving my score. I gave my MSI review on your website. I’ve already been working on this for a while but all advice is considered. ... Read More »

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