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I Screwed Up My Credit Score. Is There Hope to Bring it Back?

Question: Dear Steve, Several accounts past due on my credit report due to some medical problems last year. Trying to raise my score by 30-50 points to obtain a home loan. I have approximately five accounts with minimal balances that for some strange reason, I stopped paying all together last year. Please do not judge …

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I’m 21 Years Old and My Credit Score Sucks. How Can I Improve It? – Lore

“Dear Steve, Hello, I am 21 years old and recently checked my credit score. Due to pass due bills not being paid I am carrying a 580 credit score. I am aware that this is horrible but I am not sure how to go about getting this fixed. I already have a secured credit card …

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How Long Will it Take to Get Good Credit After Bankruptcy? – Amy

“Dear Lewis, My husband and I filed bankruptcy chapter 7 in Dec. 2010 and it was discharged in march 2011. I have previously worked as a bank teller before we moved states( which caused our bankruptcy because we couldn’t sell our house). I have had 2 great interviews for bank teller but my credit report …

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We Need to Raise Our Credit Scores So We Can Buy a House. – Cassie

“Dear Steve, My husband and I would like to purchase our first home, but are having difficulty getting approved for a loan in the amount we desire and can afford. My husband has bad credit (score 585) and quite a bit of collections on his credit report. It consists of an old unpaid loan, unpaid …

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How Do I Make the Collector Go After My Ex-Husband For His Debts Instead of Me? – Sarah

“Dear Steve, I have made mistakes in the past with bills. I really didn’t care about my credit. I am now 32 and have a credit score of 545 and have woke up to my stupid past. I have 14 derogatory things on my credit report. Most of them are not even over 300. I …

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