I Signed Up With Money Management International and Now I Have Bad Credit. – Anna

“Dear Steve, About six months ago I signed up for Money Management Internationals Debt Management Program. I pay about a thousand dollars a month and my debt will be paid off in 30 months. I recently saw my credit report and found that because of MMI there have been 12 late payments on my report … Read more

I Have Bad Credit And I Want Good Credit. – Jamie

“Dear Steve, I’m a 22 year old new grad from nursing school. Throughout my 4 yr college career, I acquired my debts including closed credit card accounts and a delinquent checking account from about 5 years ago, which were all eventually sent to collections agencies. Now that I have graduated and am making a pretty … Read more

We Are Looking Forward to Buying Our First Home But Our Credit Sucks. – Casey

Casey “Dear Steve, My husband and i are looking forward to buying our first home next summer. So right now we are in the process of getting are credit reports to see what would affect are interest rates and loan amt so we can pay those particular items off faster than the other not as … Read more

Is There a Bad Credit Debt Consolidation Loan Out There For Me? – Diane

“Hi Steve, I am married with a 21 month old. Both my husband and I have 620 scores so obtaining credit is not that easy. Currently we have about $13,000 in debt that we need to get rid of just to make it each month. My husband is the only one working and we currently … Read more

My Twenty Year Old Daughter is in a Terrible Financial Situation. – Sam’s Mom

Sam’s Mom “Dear Steve, My daughter is 20 and what credit she has is already bad. She lived with a boyfriend (and friends) for two years and now has moved back home. Her current job is in the food industry on a college campus so that job will be gone when the school year ends. … Read more

How to Buy a Car With Marks on Your Credit and Not Get Taken for a Ride

If you have any negative marks on your credit such as a late payment, default, repossession, foreclosure, lien, judgment or bankruptcy you probably think you’ll have a hard time buying a car (or truck or van). Think again. There are many options available to you, but you’ve got to understand the advantages and disadvantages of … Read more

Seven Easy, Surefire, Guaranteed Ways to Trash Your Credit

I spend a lot of time helping people resolve credit issues and getting finances under control. Now it’s time to give guidance to those folks who are desperate to screw-up their credit. Who’d want to do that, you say? Plenty of folks are in an all-fired rush to make bad credit mistakes. Here’s how they … Read more

Loans for Bad Credit and Bad Credit Personal Loans

Loans for Bad Credit Trying to find loans with bad credit is a task that is nearly impossible. After all, who can you trust? Scammers are always targeting people searching for bad credit loans, knowing bad credit personal loans will generate contact from people that are being rejected by every legitimate lender but they are … Read more

How Can I Refinance My Car With Bad Credit? – Erik

“Dear Steve, My situation revolves around my car loan. I got my loan back in July 2006, and the interest rate was high, understandably because I had bad credit. Now two and a half years later, it seems that it still is horrible, because NO ONE will refinance me. I tried LendingClub.com (I googled my … Read more

Nobody Will Give Me a Debt Consolidation Loan to Pay Off My Debts. – Scott

Scott “Dear Steve, I make good income (130,000.00/yr) but have three kids and several credit cards from before my pay went up. we have approx 40,000 in debt and the payment are starting to get more difficult. We are still making all of our payments How can I consulidate all this debt to one payment … Read more