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Tag Archives: credit score

My Ex-Husband Was an Authorized User on My Credit Cards and Ran Them Up. I Went Bankrupt. – Lauren

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“Dear Steve, My husband and I are in a Ch. 13 Bankruptcy. I filed because my ex-husband was an authorized user on my credit cards I had when we were married. He ran it up and we got divorced. I moved with my job out of state and had an outrageous car note that he agreed to help me pay. ... Read More »

    Will Cashing Out My 403b Negatively Affect My Credit? – Luke

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    Luke “Dear Steve, I have a great employer pension, a decent 401k, and a small 403b($7000). I am not worried about retirement. I tried several years ago to combine the 403b into the 401k and was told I could not do that. I have no credit card debt but ridiculous student loans and a car payment. This summer I have ... Read More »

      My Credit Score is Low. How Do I Fix It? – Brook

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      “Dear Steve, The collections on my credit score are very high and I am overwhelmed how to fix it. However I don’t want to get scammed by a credit repair services but I really need some help! Where do I turn for help? Brook” Read More »

        I Got My Credit Report But How Can I Improve My Credit Score? – Melissa

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        “Dear Steve, I received a credit report print out from all 3 credit bureaus. My credit score ranges from 604-639. I have an outstanding debt from a collection agency for $1500. And another for $183. I have paid a car loan off and I have one credit card with a $250 limit,which is current with a zero balance. I also ... Read More »

          How Long Will it Take Me to Raise my Credit Score by 100 Points? – Thomas

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          Thomas “Dear Steve, 530-590 credit score… have gone late on several payments on credit card and car loan over past year… (current for the past 3 months) Had one item (an old utility bill) go to collections. I had no clue my score was this low. How long does it take to raise your credit score by approximately 100 points. ... Read More »

            Can I Get My Bank to Reduce My Car Loan Interest Rate? – JT

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            JT “Dear Steve, At this moment, I am paying high interest on my car loan? Do you think I can get the bank to reduce the interest even if my credit score is bad? JT” The Answer   Dear JT, No. The best way to get them to lower the rate is to improve your credit score and then refinance ... Read More »

              I Have Eleven Cards I Want to Close Some But Should I? – Ariel

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              Ariel “Dear Steve, I have 11 credit cards with zero balances and want to close them and keep paying out my other 5 open credit cards. if I close these 11 will it hurt my credit score or should I close them regardless? Ariel” The Answer   Dear Ariel, Your question brings up the greater issue of do we need ... Read More »

                Ben Read the Book “Debt Cures They Don’t Want You to Know About” By Kevin Trudeau And Has Questions

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                Ben “Dear Steve, I read the book called Debt Cures by Kevin Treadeau. It was awesome and it has a lot of tips and help there. What I am trying to do is get an outstanding credit score and it needs to be improved. When you call the credit card company it is pretty darn hard to make them lower ... Read More »

                  Disjointed Use of Your Credit Score Can Leave You Unemployed or Dead

                  Medical Debt

                  I’m afraid that your credit score is being used in all the wrong ways for all the wrong reasons. The credit score was originally designed as an easy way for lenders to identify which potential customers would be low risk and high profit acquisitions. Using a credit score to screen new customers allows lenders to approve or reject your application ... Read More »

                    Eva Has Heard Negative Things About CCCS

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                    Eva “Dear Steve, My husband and I just bought a home and besides the mortgage, we are in debt for $26,000. I called up my credit card companies and they said they aren’t offering lower rates to customers now. I went to CCCS website and they say lowering customers rates is one of their ways they can help out. If ... Read More »

                      Bre Wonders Why Her Credit Report Still Shows Negative Items That She Thought Should Have Been Removed By Going Bankrupt

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                      Bre “Dear Steve, I filed chapter 13 bankruptcy and little to my knowledge my attorneys who represented me did not clear my credit after the filing or even in the process so in essence I still have all the listings of old creditors on my credit report and it’s a bit tasking to have them removed. Any suggestions on how ... Read More »

                        Dayna Can’t Afford to Keep Her Car Or Get Rid Of Her Car, Even By Repossession

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                        Dayna “Dear Steve, I have an upside down auto loan that I owe about $27,000 on a Mazda car and my monthly payments are $500 per month for 7 years with about 12.45 percentage interest rate. I am unable to refinance my auto loan because my credit is not that good and I owe too much debt. I am trying ... Read More »

                          April Wants To Know “As A Single Mom, How Do I Get Out Of Debt?”

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                          “Dear Steve, Mounting credit card debt is getting difficult to pay. I’m thinking of just ONLY taking care of house, car, utilities, food, insurance. I’m a single mother of two kids and get no child support. I’ve worked so hard for good credit and I am losing it. What do I do? Not pay and wait for it to wipe ... Read More »

                            Bob Was Injured And Is Now Behind On His Credit Cards

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                            “Dear Steve, I’ve been out of work since 10/17/07 (Auto accident) & was let go from my job…I am trying to work with credit card companies. One said they would deffer payments for two months but close the account…How does this effect my credit score with the credit bureau? Does deffered credit card payments (by the CC company) effect your ... Read More »

                              John Wants to Know “If I Consolidate My Debt On One Account Will It Hurt My Credit Score?”

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                              “Dear Steve, I opened up too many credit card accounts in the past two years i recently joinend a credit union bank which offered me a chance to put all my credit cards under one account. I owe about 3,000. I also only make about 1,400 a month so at times I’m only able to make minimum payments Will putting ... Read More »

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