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I Am Getting Married And We Want to Buy a House But My Credit Isn’t Great. – Kelli

“Dear Steve, Hope all is well! My fiance and I are getting married next April and are currently saving to purchase our first home! We are saving around $12,000-$15,000 for the down payment, we are looking to purchase a house no more than $130,000. The only problem is I have 2 charge offs from CC …

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I Have Mental Health Issues. How Can I Reduce My Debt? – Mel

Mel “Dear Steve, I have a charged-off bank account, a charged-off cell phone bill, a charged-off credit card, and have not paid anything on another credit card for almost 6 months. The bank account received several overdraft charges that were a result of a cab company charging me $70 instead of $10, but I didn’t …

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I Wrote to You Before and Things are Getting Better. – Michael

“Dear Steve, About 9 months ago, I wrote you in tough shape. I had racked up about $35k in credit card debt through undergrad, law school, and a period of unemployment before starting a job which I began last July. I’ve really been scrimping and saving, and between the money I’ve put from my paychecks …

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Frederick Hannah & Associates Keeps Contacting Me. – Tammy

“Dear Steve, Frederick Hannah & Asso. P.C. have contacted me per phone and state they are representing a certain credit card company. They are unable to prove they are indeed representing this credit card company as their client. I have contacted the credit card company several times and they state that this acct. has a …

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I Hate American Express.

“Dear Steve, Currently paying off about $75,000 in credit card debt taken on during the economic slowdown last year when my consulting business tanked; current income of about $150,000. Not sure that debt relief is a viable option for me without severe negative credit rating consequences, so I’m paying down debt on most cards with …

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

“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 …

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