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Tag Archives: credit score

Your Roster Number is Your Credit Score

Whenever I was in basic training, each recruit, each private was assigned their own roster number. That roster number was our identifier. We had to put it on all our gear. I had to have it strapped across a tape on my Kevlar, which is our helmet. It dictated as far as when we would eat chow and what order ... Read More »

    What You Need to Know About Your FICO Score

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    If you have ever heard someone refer to your “score” or your “credit score” they are probably referring to your “FICO Score.” It is called a FICO Score as the way the number is calculated is based on software developed by a company called Fair Issac and Company. Once you have requested a loan, a lender may ask one of ... Read More »

      VantageScore, FICO Score, Experian Plus Credit Score. Which Credit Score Really Matters?

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      Let’s start with the basics, what a credit score really is. A credit score is NOT a value that identifies who is a better personal finance manager. A credit score IS a number that is calculated to allow lenders to identify which people are the least risky to lend to and who are most likely to produce them the most ... Read More »

        Working on Raising My Credit Score and Need Some Advice. – Shawn

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        “Dear Steve, Working on my credit to raise my score and need some advice and or assistance. i have pulled my credit reports and i have found a lot of discrepencies and things that should have been romoved . there are things that show an amount but no other information. there are items that are 15years old . can you ... Read More »

          Can My Wife and I Independently Go Into a Debt Relief Program? – Paul

          “Dear Damon, My Wife just closed her business and the outstanding unsecured debt is about 100K. My personal debt is about 38K. I want to go on a debt relief program where a company negotiates a reduced amount and interest. She does not want to do this for her debt load. Can we independently arrange for debt relief? I want ... Read More »

            Bank Errors Taint Credit Reports and Lower Credit Scores

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            by Marian Wang, ProPublica, We’ve pointed out cases in which banks’ miscommunication and disorganization have caused mistaken foreclosures [1], but as several recent [2] reports [3] have noted, that’s not the only way in which bank mistakes have affected homeowners. Some consumers have been surprised to see damage to their credit score after requesting information from the banks. One Nevada ... Read More »

              SteveSavers – Group Discounts to Save Big Bucks on Debt and Credit Help

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              Today I’m announcing a new free service of the GetOutOfDebt.org site, SteveSaver’s. So what is a SteveSaverTM you are probably asking? There are a number of areas that people spend money on credit and debt issues. They spend money on credit counseling, credit reports, credit scores, debt settlement services, etc. So I thought, let’s bring group saving discounts offers to ... Read More »

                FreeScore.com – Debt Relief Television Commercial

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                Commercial Name: FreeScore.com Car Dealership Record Date: 11-06-2010 Network/Channel: WRAZ Fox Description: Man is sitting at car dealership and is denied for loan. Men in spandex standing behind him, one short guy in hockey mask. Just one bad credit score can really hurt you. Track your credit score at FreeScore.com. Shows screen that says “3 Free Credit Scores.” [quicktime]http://getoutofdebt.org/member/video/FreeScore.com-20101106.mov[/quicktime] The ... Read More »

                  Clinton Wants to Know “Am I Doing The Right Thing By Repaying My Debt?”

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                  Clinton “Dear Steve, I am receiving social security disability insurance (SSDI) and got abandoned with a mortgage back in 2007 that went into foreclosure. I know I can’t get the foreclosure removed but I have been diligently trying to pay off all of my outstanding debt, charge-offs and the ones that report a zero balance but the collection agencies keep ... Read More »

                    Am I Able to Settle My Debts With My Credit Card Companies Even Though I’m Current? – Kaye

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                    Kaye “Dear Steve, I have $25,000 in credit card debt (that I am current on and make the minimum payments each month). Should I file bankruptcy? Am I able to “settle” with any of these creditors to pay off a lump sum amount that is less than what I owe (if I am current on all accounts)? I am current ... Read More »

                      I Am Trying to Improve My Credit. – Josh

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                      Josh “Dear Steve, I am trying to improve my credit so i will be able to purchase a house before i am 30 years old. i have a good job and make between 40 and 50 k pre taxes. my credit is not so good due to previous first time experiences. i am currently 26 years of age and am ... Read More »

                        My Debt to Income Ratio is Enormous. – Laura

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                        “Dear Steve, My debt to income ratio is enormous. I pay bills on time, but do not have money left over for groceries much less anything else. I need to refinance my home because my ARM is up soon. Would it be smarter to refinance now before I mess up my credit worse with a dept mgmt. program? I don’t ... Read More »

                          Teresa Writes In “I Have Too Many Credit Cards”

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                          Teresa “Dear Steve, I have too many credit cards. Where do I start to get rid of them? Teresa” The Answer   Dear Teresa, Credit cards don’t magically appear in our wallets or purses. They appear because we have done something or participated in some process to agree to these credit instruments. The first step to get rid of your ... Read More »

                            I Want to Use a Home Equity Loan to Get Out of Debt. – Sandy

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                            “Dear Steve, I ran up some credit card debt starting a business and would like to pay it off. Right now I am using balance transfers with 0% (but with 3% transfer fee) to keep a handle on the debt, but it’s an on-going game. I’d like to make it simple and focus on paying off all the credit card ... Read More »

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

                              Photo Credit: Cayusa

                              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 »

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