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Tag Archives: credit report

How Do You Value Your Quality of Life? Debt Solutions to Fix The Future

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Debt doesn’t just affect the people actually in debt, it often affects the ones around them, near and dear to them. I know this from first hand experience as someone who has loved and lived with someone so deep in debt they could not see a way out. Not only is the emotional toll hard on the debtor but also ... Read More »

    I Would Like to Consolidate My Debt, However I’m Having a Difficult Time Finding Someone Who Will – Laurie

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    “Dear Steve, I am current of all of my debt. Do not have any past due debt. I do have about 25,000 in credit card debt and would like to consolidate, however am having a difficult time finding someone. Also, my main problem is that I have a Bank of America card fo 12,000 that they just raised my interest ... Read More »

      Opal Writes In “I’m Worried About Hurting My Credit If I Close Credit Card Accounts”

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      Opal “Dear Steve, I have two or three credit card that are debt free. Should I close these accounts since I don’t use them and don’t need but one active card? Would it go against my credit to close these? Opal” The Answer   Dear Opal, As strange as this may sound, with only two or three credit cards to ... Read More »

        What in the World Do I Pay First to Clean Up My Credit Report? – Susan

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        “Dear Steve, I have a lot of charge offs and medical bill collections, I also have a few good accounts on file. What in the world do I pay first to clean my report up? Susan” The Answer   Dear Susan, First, get a copy of your consolidated credit report. This consolidated credit report is the same one I use ... Read More »

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

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          “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 that I had about 2 ... Read More »

            Do I Really Have to Default on My Debts to Go Into a Debt Settlement Program? – Mark

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            “Dear Steve, I’ve considered both the Debt Management and Debt Settlement routes, but was told that I must first default on all of my cards before pursuing the latter. This strikes me as an extraodinarily risky move to make (the default interest rate on most cards is astronomic). Is there any way to pursue Debt Settlement without first defaulting; or ... Read More »

              How to Be Financially Successful When You Graduate

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              Congratulations! You’ve made it through the starving student years and now you’re ready to start a job and earn some real money. You’re probably thinking about all the things you’ll be able to buy, places you’ll go and things you’ll be able to do when those paychecks start rolling in. Not so fast. If you’re like all the people who ... Read More »

                What You Need to Know Before You Refinance Your Home to Pay Off Debts

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                Consolidating your debt with the equity in your home can be a terrific money-saving strategy. The interest rate may be much lower than you’re paying on your other bills and, if you itemize on your tax return, you can usually deduct the interest you pay – making the effective rate of the loan even more attractive. But what seems like ... Read More »

                  Financial Concerns for People With Long-Term Illnesses

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                  A diagnosis of any major disease will change your life. You may spend much of your time thinking about life and death and your own mortality. You might be trying to hold onto a job, if your health will allow it. You may be wondering who to tell — and who to turn to for support. You might be running ... Read More »

                    Do It Yourself Guide to Credit Reports: 10 Ways to Improve Your Credit

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                    So your credit’s not so hot. A few late payments, maybe an account or two that went to collections. What’s the big deal? As you’ve probably found out, it may be a very big deal. You’ve probably already been turned down for the best credit cards and maybe you’ve had trouble getting a car loan. Perhaps you’ve even put off ... Read More »

                      Insurance Scores: How Your Credit History Affects Your Insurance

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                      What does the information in your credit report have to do with your automobile or homeowner’s insurance? Perhaps more than you think! Many insurance companies these days use insurance scores to help determine eligibility for their policies, evaluate policies for renewal and sometimes to determine rate discounts. Insurance scores are popular with insurance companies because they have been proven to ... Read More »

                        Carol Wrote Me And Asked “Would You Advise Debt Consolidation?”

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                        Carol “Dear Steve We are in debt up to our eyes. We are not behind in anything. We didn’t want to get to that point. We were denied financing our house for a longer period of time–our debt to credit ratio wasn’t good enough. However, we didn’t want to borrow any extra money. Would you advise a debt consolidation? Carol” ... Read More »

                          Credit Scoring: How it Works and How You Can Improve Your Score

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                          What Is Credit Scoring? If you have tried to get credit, a loan or a mortgage, you may have had your credit information graded for risk potential. This is called “credit scoring” or “risk scoring.” Credit scoring is one factor that lenders or creditors consider to determine if they should give you a loan, a mortgage or extend you credit. ... Read More »

                            Lauren is Searching For Ways to Get Out Of Debt And Make Her Bad Credit Go Away

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                            “Dear Steve, If I find a consolidation company to help me pay my bills will my bad credit go away? Lauren” The Answer   Dear Lauren, It is usual for people to search for a magic wand that will make their debt go away without impacting their credit report. There really is no such solution, and here’s why. In order ... Read More »

                              I Only Want One-Third of the Mortgage to Show on My Credit Report. – Rick

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                              Rick “Dear Steve, I’m considering buying an investment property in a country outside the US. I know that the foreign lender has checked my credit report (which is excellent, by the way). I will buy the property with two other friends, to split the cost in 3 ways. But the mortgage will be in my name only. The question is, ... Read More »

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