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Credit Report / Credit Score

I Want Debts I Paid Off Removed From My Credit Report. – Karen

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“Dear Steve, I have a few debts that went to collection, but have been paid off. Now my credit is bad and i want to clear it up FAST! What can I do? What can I do? Is there someone who can help me contact these companies to have the items removed and my credit score raised? Karen” Dear Karen, ... Read More »

    What Do You Think About Credit Karma? – Lynn

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    “Dear Steve, I would like to know if this site is safe. I saw in Wallet Pop a financial newsletter that you can get you credit score for free at CreditKarma. I tried it and it gave me a score. If this is real ,it sure beats paying for it or joining some membership and creating another bill. Let us ... Read More »

      I Asked for Your Help Before in Paying Off My Debt. – LaQuanda

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      “Dear Steve, I asked for your help a while ago on paying off my credit and reestablishing some kind of credit. I took your advice and I am happy to say that I have paid off most everything except a repo which I am making payments on. I waited after paying some things off and took your advice to try ... Read More »

        What’s The Best Way to Fix My Crappy Credit? – Justina

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        “Dear Steve, I have a credit score of 550. I have never had a credit card and recently got my credit report. I owe collections and don’t know who sent what to collections except a few. What can I do to find out where the collections got my debt from so I can figure out if I really owe said ... Read More »

          How Do You Increase Your Credit Rating After Bankruptcy If Nobody is Willing to Lend to You? – Ron

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          “Dear Steve, Had a decent FICO just over 800. 2 years ago, my wife lost her job. We applied for a loan modification, but Chase drug their feet so long that we ended up in trouble. We sold a cabin to keep up payments, then we began liquidating savings, etc. Then about 9 months ago, my company closed their local ... Read More »

            I’m Confused About Credit Scores. – Barbara

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            “Dear Steve, Age 62, single never married no dependents. Like many leading edge Boomers, I am dealing with trying to maintain a modest lifestyle based on a modest income that has severely declined due to unemployment / underemployment intersecting with approaching retirement age. Similar to the southern plantation owners in “Gone With the Wind”, my former lifestyle based on being ... Read More »

              Please Suggest a Way to Get Bally’s Fitness Center Shit Off MY Credit Report. – Jack

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              “Dear Steve, I had signed up for ballys fitness center more than 2 years ago. i went there for a few months but since then i moved out of town and changed 2 cities in the next 1 year. befor moving, i called their local center in my town to cancel but they said i was under a 2 year ... Read More »

                Should I Just Let My Bad Credit Sit and Fall Off? – Lucas

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                “Dear Steve, Pretty much, at one point, i was living well…. then came the layoff. everything i had (including student loans, and car loans) went into default. now, almost 6 years later i am finally gettin back on my feet. All my defaulted debt is expired debt in colorado and their statute of limitations to sue has passed. my credit ... Read More »

                  Can the Creditor Start the Clock on My Debt All Over Again? – Deb

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                  “Dear Steve, About 7 years ago I went through a nasty divorce. I ended up signing paperwork to just leave with my children and not pursue any compensation from marriage(of 11 years). A few months later, the nightmare began. I didnt realize I also was responsible for debt that had my name on it. I was a single mom, making ... Read More »

                    My Husband Died and I’m Afraid to Look at My Credit Report. – Faye

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                    “Dear Steve, In ’03 I moved 1100 miles from home with my husband.He got a job right away. 30 days later we found out he had brain cancer. He passed in ’05. I am in bad health but was denied disability until I turned 60. I am on widow’s benefits now. Neither of us could work while this was going ... Read More »

                      I’m in Debt Mediation and They Don’t Handle My Medical Debts. – Lee

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                      “Dear Steve, Been in a debt mediation program for over two years. They have not handled any of the included Medical accounts. My wife and stepdaughter have had several medical bills over the last few years and those bills are basically in my wife’s name. In the process of becoming entirely debt free I’m trying to find all outstanding debt ... Read More »

                        How Can I Build My Credit With No Job? – Maria

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                        “Dear Steve, I just got my residency and would like to know how to start building my credit. I don’t work so I have no idea if lenders are going to give me any credit cards and my husband has bad credit that we need to fix too. How can I build my credit with no job? Maria” Dear Maria, ... Read More »

                          How Do I Get My Mother’s Light Bill Off My Credit Report? – Stacey

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                          “Dear Steve, Hello Steve, I am 23 and have just recently began cleaning up my credit .there was one thing that stood out that I know didn’t belong to me and I disputed it.the dispute was verified and denied..later I found out that this debt actually belongs to my mother it is a light bill. I asked her about it ... Read More »

                            I’m Confused About Rebuilding My Credit Score. – Lois

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                            “Dear Steve, I’m a little confused my everything I have been reading regarding rebuilding a credit history, so I’m hoping you can help clear things up…My current FICO scores, according to myfico.com is 705 with Transunion, and 652 with Equifax. I have one old charge off account opened in 95 sold as charge off in 2008. Another delinquent account 2007 ... Read More »

                              How Do I Repair My Credit After Debt Settlement Lowered My Credit Score? – Dominic

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                              “Dear Steve, In an agressive debt settlement program and plan to be out of debt in 12 months (already 3 months in). They have already settled one of my credit card accounts with two more to go. I’m paying in about $1800 per month to the escrow account. I just want to be debt free! It does seem to be ... Read More »

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