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Tag Archives: credit score

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 »

                        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 »

                              A Quarter of People Have a Credit Score Below 599

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                              It’s no surprise that people struggling to makes ends meet would wind up with a bad credit score after maybe maxing out their cards, missing a payment or landing in collections. The Associated Press is reporting that FICO has stated that the credit scores for more and more people are sinking to new lows. The block of consumers that had ... Read More »

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