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Tag Archives: credit report

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”   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 to help ... 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 »

            What is The Best Way For Me to Get a Loan? – George

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            “Hi Steve, I am 36 yrs old, I have only one credit card and I am no longer using it and it has about a $20K balance that I am finally making progress to paying off. I am also now finally contributing to a retirement account and a savings account. All this is not easy but im making sacrifices The ... Read More »

              Will I Be Able to Get a Job After Bankruptcy? – Erin

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              Erin “Dear Steve, My husband has been out of work for over a year, and my current job does not pay well. So far, we’ve been able to keep up minimum payments on all our bills, but we have student loans and medical bills coming due that we are currently not able to pay. We are considering bankruptcy, but are ... Read More »

                Chanel Writes In “How Do I Find Out Who I Owe?”

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                Chanel wrote me at GetOutOfDebt.org and had a debt question. If you have a question you can write me too! Chanel asked: “I have lots of small debts. I want to pay off my debts but don’t know how to find out who I owe.” Chanel, It is amazing how such a simple question can lead to such a complicated ... Read More »

                  The Credit Report is Not Showing The Debts That I Settled. – Sara

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                  Sara “Dear Steve, My husband got very sick several years ago before we were married and during the time he was unable to manage anything his car was repossessed and he did not make payments on his credit cards and other loans. A year ago we got enough money together to pay and/or settle all of his debts. Some with ... Read More »

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

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                    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 important ones. I pulled my ... Read More »

                      Terri Wants to Know “Is There a Way to Get Out of Debt Without Ruining Our Credit?”

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                      Terri wrote and asked her question through the GetOutOfDebt.org site. If you have a credit or debt question you’d like to ask, just visit this page and ask. My help is totally free. “Dear Steve, We have appox $50,000 in revolving debt, 2 vehicle payments, 1st and second mtg, we pay everything on time and have a small amount left ... Read More »

                        “How Do I Go About Making My Credit Score Better” – Antoine

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                        Antoine writes in to the Get Out of Debt Squirrel and asks: I don’t have credit card dept of any kind. I’ve never filed bankruptcy. I have bills on my credit report some of them I’m unaware of and the others are overdue bills. How do I go about solving the problem to get it off my credit report? How ... Read More »

                          My Wife and I Are Trying to go for a Home Loan. How Can We Clean Up Our Credit? – Brad

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                          Brad “Dear Steve, My wife and I are trying to go for a home loan here soon and have some bad things on our credit from years ago.. we don’t know how to contact them or who to talk to. We need someone to tell us the right things to pay off in order to boost our credit not lower ... Read More »

                            I Was Irresponsible With My Credit But Now I Want to Clean It Up – Kristen

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                            Kristen “Dear Steve, I am 29 years old and am just now in a position where I can start cleaning up my damaged credit. I was very reckless/careless with my finances throughout my late teens and most of my 20’s. I have recently pulled my 3-in-1 credit report and my score is below 600. I want to start cleaning up ... Read More »

                              I Would Like to Clear Up My Credit A.S.A.P. – Ginger

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                              Ginger “Dear Steve, I have had Identity theft happen to me and I have also messed up my credit. I want to move in July 2009. I would like to clear up my credit a.s.a.p. What are the best solutions to clearing up my credit? Ginger”   Dear Ginger, Clearing up your credit is a rather simple affair that you ... Read More »

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