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Tag Archives: credit report

Seven Easy, Surefire, Guaranteed Ways to Trash Your Credit

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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 developed the worst credit scores ... Read More »

    Nine Essential Steps to Successfully Manage Your Money

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    Only the rich need to worry about having people manage their money, right? Wrong! With a handful of credit cards, checking, savings and retirement accounts and lots of different bills to pay we all need money managers. The difference is if we aren’t wealthy, the money management responsibility usually falls on our own shoulders, rather than someone else’s. While most ... Read More »

      I Have Paid Debt I Want Removed From My Credit Report. – Sara

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      Sara “Dear Steve, I had 5 outsanding debts, that I never paid any payments on from 2004 I took out a small loan, and paid them all off in 2006(which I have paid on time to this day). Now that all five accounts are closed, How do I get them to take it off my report? Do I have to ... Read More »

        Secret Credit Bureaus You Don’t Know About, But They Know About You

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        So let me tell you a story about secret credit bureaus that you don’t know about. Most of us have some knowledge about the three major credit bureaus that hold our credit report and credit score. The three biggies are Equifax, Experian and Transunion. But there are more places that hold information about you. Have you ever heard about Innovis? ... Read More »

          I Want to Clean Up My Credit But I Live Overseas Now. – John

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          “Dear Steve, I ran into work trouble a few years ago and neglected to keep up with most all of my debts. Most have been bounced around from collection agency to collection agency and to some law firms. I am now where I can start paying off some of these debts, the biggest problem is I now live overseas and ... Read More »

            My Fiance is Going Bankrupt. Will We Ever Be Able to Buy a House? – Jennifer

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            “Dear Steve, My fiance is considering filing for Chapter 7. He has okay/good credit, but more than $25,000 in credit card debt and his payments severely limit our finances. He does not have a car or house that creditors can seize for payment. I’ve read that bankruptcy will stay on your credit for 10 years, but other people have told ... Read More »

              How Do I Remove Charge Offs From My Credit Report? – Debt Chicken

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              Debt Chicken “Dear Steve, Okay, so I did the ignoring thing with two credit cards and the banks charged them off. However, when I was finally able to pay them, I paid them off one through an attorney and the other a collection agency. My current credit reports shows the original creditor as charging them off and the collection agencies ... Read More »

                I’m Struggling With High Interest Rates on my Credit Cards From Universal Default – Eric

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                “Dear Steve, Six years ago – had a unplanned child with my wife (still married). A Pediatrician put a $50.00 collection on my credit report (not my bill – total mistake). This triggered universal default 29% interest rates on me and my wife’s credit cards. I got it removed but could not get the card companys to reduce the interest ... Read More »

                  Sonia Wants to Know How to Get a Free Credit Report Without a Credit Card

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                  Sonia “Dear Steve, Why do all the web sites you go to say you can get a free credit report but all of them ask for a credit card. I don’t have a credit card so where can I go to get a free credit report? Sonia” Dear Sonia, You can get a free copy of your credit report online ... Read More »

                    Lorena is Worried That Having Multiple Banks Accounts Will Hurt Her Credit

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                    Lorena “Dear Steve, I have three bank accounts. Does opening more than one bank account affects my credit score? What can I do to fix this? Lorena” The Answer   Dear Lorena, I am not aware of any reason why having multiple bank accounts would negatively impact your credit score or credit report at all as long as they are ... Read More »

                      John is Worried His Debt Will Scare Away His Fiancee

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                      “Dear Steve, Here is the situation. I have 50K of debt between credit cards and lines of credit and a 20k vehicle loan. When I first met my fiancee, she asked about credit card debt, I was defensive about it so i just told her that i didn’t have any. She knew I had a truck loan at the time. ... Read More »

                        Bre Wonders Why Her Credit Report Still Shows Negative Items That She Thought Should Have Been Removed By Going Bankrupt

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                        Bre “Dear Steve, I filed chapter 13 bankruptcy and little to my knowledge my attorneys who represented me did not clear my credit after the filing or even in the process so in essence I still have all the listings of old creditors on my credit report and it’s a bit tasking to have them removed. Any suggestions on how ... Read More »

                          Bob Was Injured And Is Now Behind On His Credit Cards

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                          “Dear Steve, I’ve been out of work since 10/17/07 (Auto accident) & was let go from my job…I am trying to work with credit card companies. One said they would deffer payments for two months but close the account…How does this effect my credit score with the credit bureau? Does deffered credit card payments (by the CC company) effect your ... Read More »

                            Soon, Where You Shop Will Control Your Credit

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                            Information is already leaking out about the efforts of American Express to closely watch the places their card members shop at as an indication of credit problems. With mounting losses by credit card companies and an avalanche of new bad credit card debt to come, creditors are looking for ways to identify potential high risk customers in order to reduce ... Read More »

                              Robert Wrote “I Do Not Know Where To Start Other Than I Am in Debt”

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                              “Dear Steve, I do not know where to start other that I’m in debt. I want to pay all of my credit card debt starting with my lowest and working my way to the last but I can not accomplish this while I’m paying everyone and can not make any headway. Can I just send something to the others and ... Read More »

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