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Tag Archives: credit score

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 »

    I Paid Off an Old Debt and My Credit Score Went Down. – Michelle

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    Michelle “Dear Steve, To pay or Not to pay…. that is the question. Have a old debt (over 2 years old) I have been told not to pay it because if I do it will make a negative mark on my credit. I know this is true because I paid off something else which was in collection, it now says ... 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” The Answer   Dear Ginger, Clearing up your credit is a rather simple affair ... Read More »

                  I Have a Bad Credit Report. What Can I Do? – Connie

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                  Connie “Dear Steve, Even though, my credit is bad, I do have some good credit references. Everytime I apply for a consolidation loan, or whatever I am always turned down I know my score is bad but they always need that credit report. How can you help, a consumer even though there credit report is bad? Connie” The Answer   ... Read More »

                    April Writes And Asks “Is There A Debt Program That Can Help Me And Protect My Credit?”

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                    April “Dear Steve, I am married with three children 11, 4 and 3, I also have an 11 year old step son. We live in Jersey. My husband is a disabled vet (from the first gulf war). He gets a pension and I work at home so I can take care of the kids our income is less then $50,000 ... Read More »

                      Karen Writes In. “My Interest Rates Are Going Up. My Minimum Payments Are Going Up. Help!”

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                      Karen “Dear Steve, Have a lot of credit card debt – struggling to keep my head above water. Interest rates are going up, minimum payments are going up, and I am falling behind. which causes the rates a payments to keep going up and my credit score to go down. What is the best way to negotiate lower payments and ... Read More »

                        Is It Possible to Easily Increase My Credit Score? – Tamara

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                        Tamara “Hi Steve, I graduated with my Masters Degree this past June 2009 in Speech Pathology. I have over $100,000 in school loans and a car loan of approximately $10,000. My credit score is 716. I am trying to increase my credit score to above 720 to qualify for a conventional housing loan to purchase a home. My income is ... Read More »

                          My Husband Was in Jail and I Was Left Raising Our Child With a Low Credit Score. – Julie

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                          Julie “Dear Steve, I am a single mother of a five year old. I recently got a copy of my credit report and was not shocked to find out it was a very low 489. I had several medical problems, which turned into collections and one judgement, as well as some late payments on accounts from 2006-2007. My daughter’s father ... Read More »

                            What Should I Do to Get my Credit Score Up From 400? – TLT

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                            TLT “Dear Steve, Great job make about $60,000/yr. 2 children. Single parent. Between my rent/utilities $1200/month, Car and Insurance $600/month, money I owe to grandmother $700/month and daily living expenses. My kids are athletic I pay for sports, all equipment needed. I pay for all aspect of our healthcare. I have a ton of bills. Public records, judgements, defaulted student ... Read More »

                              John McCain Has Bad Credit Card Rates

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                              So there I was on opensecrets.org and looking at the financial disclosure form for presidential candidate Senator John S. McCain, III, and right there on page 27, there it was. John and Cindy McCain have a joint credit card with Chase bank with a balance of between $10,000 to $15,000 and they are paying 25.99% on it. That hit me ... Read More »

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