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Credit Report / Credit Score

I’ve Never Had Credit Cards. How Do I Improve My Credit Score? – Albert

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“Dear Steve, My score is at 630 and I want to improve it, but how? I don’t owe anyone and have never had a credit cards really. How do I establish better credit? I owe only like some parking tickets (2) but other than that nothing. I bought a car years ago, I was late only like 4 payments out ... Read More »

    I Don’t Want a Credit Card But Want to Establish Credit Again. – Mel

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    “Hi Steve, My name is Mel and I recently discovered your web site. I have a few questions and hope you can assist me. I have several debts from 2004 and 2005 that I owe. All are now with collection agencies. Since I owe these debts and can afford to pay them, I want to pay them. I’m running into ... Read More »

      What Can You Tell Me About American Credit Group? – Taylor

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      “Dear Steve, I have bad credit (not horrible) and about 6,000 in credit card debt. I really don’t know how to go about dealing with it all, so I did some google research and found a company that says they’ve been in business 16 years. They are rated #1 by a review site and was just hoping you could give ... Read More »

        How Do We Get Our Daughters Debt Off Our Credit Report?

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        “Dear Steve, I have a daughter who was caught stealing when she was 18. Somehow the amount due from the department store ended up on my credit report. Is there a way to transfer that to her credit report?” The Answer I don’t think I’ve ever seen that before. The best place to go for advice would be to contact ... Read More »

          Is It True That a Credit Card Company Does Not Have to Report on Your Credit Report If They Don’t Want To? – Andre

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          “Hi Steve, I recently received a judgement and the same week my wages were garnised. When I called the company they informed me it was for a credit card, which I know nothing about or never opened. I got my credit reports and it was never reported. I was told the card was open in 1993 and payments stopped in ... Read More »

            My Mother Opened Credit in My Name While I Was in a Coma

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            “Dear Steve, My credit was ruined in early 2004 when I was in a coma and my husband had decided to leave me, take the money and not pay the bills. I lose everything, home, car, credit and any insurance money he spent. So I had started over from nothing. I have now found out that my recently deceased mom, ... Read More »

              I’m Trying to Clear Up My Husband’s Credit Report With Citibank. – Shelley

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              “Dear Steve, I am trying to clear up my husband’s and my credit. However we have one old debt, CitiBank credit card that is giving me problems. We opened this account when we lived in California so sometime between 1997-2001. I don’t remember when I just remember that we lived in California. We also still lived there when we made ... Read More »

                I’m Upside Down on My Car. How Can I Get Out From Under It? – Bill

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                “Dear Steve, My wife and I have a car that we are in desperate need to get rid of. I currently owe about $13000 for it still, but it is really only worth about $5400 according to KBB and the Car Dealership we are working with to try and get a new one. After the dealer has run their numbers ... Read More »

                  I Was a Client Caught in the Allegro Law Debt Settlement Mess and I Now Need to Reestablish Credit. – Georgia

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                  “Hello Steve, I’m one of your readers mixed up in the Allegro mess. We’ve filed bankruptcy. Now, the task of reestablishing credit. I’ve been looking at Public Savings Bank. I saw your review. I wanted to double check and make sure this is a legitimate company. After Allegro, I don’t know if I can trust anything. Thanks, Georgia” The Answer ... Read More »

                    Where Can I Got to Get a Credit Check? – Jessica

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                    “Dear Steve, My husband and I have had bad use with credit cards, but most are over 7 years old. Where can i go to get a credit check to see where i can start? Jessica” The Answer Dear Jessica, It’s really important that you get a copy of your consolidated credit report and credit score. You can use this ... Read More »

                      Can I Get the Bank to Remove the Charge Off From My Credit Report? – Ellen

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                      “Dear Steve, My credit score is currently listed at about 560 ish with Experian and Equifax. There are a total of 5 olds accounts all not more that 400.00 dollars. I paid 3 off and I’m waiting for my paid in full letter. the other two I am disputing because a junk debt dealer bought the accounts, changed account numbers ... Read More »

                        Should I Bother to Payoff Old Debt to Improve My Credit Score? – Kristen

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                        “Dear Steve, I have recently started to pay down some of my old debts, but have become somewhat skeptical of how effective this tactic is in regards to improving my credit score. I have heard a wide variety of things from different people. My question is, if the accounts are already in collections and they are old, should they still ... Read More »

                          Family Member Took Out Account in Husband’s Name And Then Settled It. – Dawn

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                          “Dear Steve, A family member opened an account in my husbands name wihout him knowing about it and they settled the acount for less than was owed and we want to but another house soon and this is hurting his credit report is there a way to get this removed from his credit report Dawn” The Answer Dear Dawn, You ... Read More »

                            I Have Followed in My Parents Footsteps. – Sheena

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                            “Dear Steve, 30 Years old, bad credit, one account in good standing, paid off all but 12000 in debt. Total household income $50,000 I am in the process of trying to pay off my debt and re-establish credit but I don’t know where to begin. I have saved $2000 for emergencies. Not I am in the process of paying off ... Read More »

                              How Can I Get My Credit Card Debt Reduced Without Changes to My Credit Score? – Wondering

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                              “Dear Steve, My credit score is above 790. I am unemployed and receiving $450/week in unemployment insurance. I have less than $10k in savings and do not own a home. My car is 12 years old. My monthly expenses are $2,500. I owe $21K on 2 credit cards: $17k is at 0% interest until April. $4k is at 12.99% — ... Read More »

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