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Tag Archives: credit score

Credit Scoring: How it Works and How You Can Improve Your Score

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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

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    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

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      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

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        “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

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          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” The Answer   Dear Bonita, It does not matter what your credit score is when ... Read More »

            Carolyn Writes In And Wants a New Mortgage In Bankruptcy

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            “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” The Answer   Dear Carolyn, I’m afraid it isn’t ... Read More »

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

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              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?”

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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 »

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