Latest Posts
Home > Tag Archives: credit score (page 5)

Tag Archives: credit score

Insurance Scores: How Your Credit History Affects Your Insurance

Ready to Collapse

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 »

    How to Get All the Cheap Credit You Want

    Interest Cost to Pay Off Various Credit Card Balances

    Today, the average person pays between 16 and 17 percent on credit card balances. While interest charges may seem low when you look at the monthly charge on your statement, over the long run they can really add up. In fact, the average person can put a hundred bucks or more in his or her wallet just by getting a ... Read More »

      Carol Wrote Me And Asked “Would You Advise Debt Consolidation?”

      Ready to Collapse

      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

        Ready to Collapse

        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 »

          I Have Poor Credit From a Divorce. How Can I Improve It? – Natalie

          Ready to Collapse

          Natalie “Dear Steve, I have poor credit due to a divorce, I have SEVERAL collections and one judgement against me. I do not know in what order I should start to pay them off.. or if at all since some of them will begin to “disappear” off my credit report soon due to the seven year. rule. I am wanting ... Read More »

            I’m Worried That Credit Solutions is Not Communicating With Me. – Samantha

            Ready to Collapse

            Samantha “Dear Steve, I had good credit and was paying my bills on time, then litterally overnight I realized I couldn’t make the payments any more and my cards were maxed out. I joined Credit Solutions, a debt relif group. But now my credit score has drop dramatically and little communication from them makes me wonder if I made the ... Read More »

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

              Ready to Collapse

              “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 »

                Can I Use a Debt Settlement Program if I Have Excellent Credit? – Bonita

                Ready to Collapse

                Bonita “Dear Steve, Is there a debt consolidation program, or debt settlement program, that you can use if you have an excellent credit rating still, but are deeply in debt from credit cards without it affecting your credit? I’m talking $40,000 in debt. Thanks, Bonita”   Dear Bonita, It does not matter what your credit score is when you begin ... Read More »

                  Carolyn Writes In And Wants a New Mortgage In Bankruptcy

                  Ready to Collapse

                  “Dear Steve, My husband and I are in bankruptsy, we have a 3 year plan with one year left on the plan. Our mortgage company has us on an ARM and wont remodify our loan. How can we get out of chapter 13 and get into a fix rate mortgage? Carolyn”   Dear Carolyn, I’m afraid it isn’t as easy ... Read More »

                    Daniel Writes In – “How Can I Get Out of Credit Card Debt?”

                    Ready to Collapse

                    Daniel says, “I’ve been buried in credit card debt and it feels like I make payments each month and instead of things going down, things go up. My interest rates recently went up even though I have not missed a payment or paid late. Another one of my MasterCard’s just lowered my limit a lot. Is there any hope. Thanks” ... Read More »

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

                      Ready to Collapse

                      Chanel wrote me at 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

                        Ready to Collapse

                        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

                          Ready to Collapse

                          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?”

                            Ready to Collapse

                            Terri wrote and asked her question through the 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

                              Ready to Collapse

                              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 »

                                Get My FREE Get Out of Debt Guy Newsletter

                                I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.You can unsubscribe at any time with just one click.After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

                                I promise to keep your email safe and secure.