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Should I Just Let My Bad Credit Sit and Fall Off? – Lucas

“Dear Steve, Pretty much, at one point, i was living well…. then came the layoff. everything i had (including student loans, and car loans) went into default. now, almost 6 years later i am finally gettin back on my feet. All my defaulted debt is expired debt in colorado and their statute of limitations to …

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I’m Confused About Rebuilding My Credit Score. – Lois

“Dear Steve, I’m a little confused my everything I have been reading regarding rebuilding a credit history, so I’m hoping you can help clear things up…My current FICO scores, according to myfico.com is 705 with Transunion, and 652 with Equifax. I have one old charge off account opened in 95 sold as charge off in …

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I’m Not Willing to Go Bankrupt Because of the Disadvantages. – Lisa

“Dear Steve, I was divorced last year and now have a $4000 apartment debt that we incured soley on me. I have a repo’d car $20,000 and an accident bills looming over my head($10,000). So I have about $35,000 in debt how do I A: pay it off, and B: Rebuild my credit? Bankruptcy is …

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I’ve Never Had Credit Cards. How Do I Improve My Credit Score? – Albert

“Dear Steve, My score is at 630 and I want to improve it, but how? I don’t owe anyone and have never had a credit cards really. How do I establish better credit? I owe only like some parking tickets (2) but other than that nothing. I bought a car years ago, I was late …

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I Was a Client Caught in the Allegro Law Debt Settlement Mess and I Now Need to Reestablish Credit. – Georgia

“Hello Steve, I’m one of your readers mixed up in the Allegro mess. We’ve filed bankruptcy. Now, the task of reestablishing credit. I’ve been looking at Public Savings Bank. I saw your review. I wanted to double check and make sure this is a legitimate company. After Allegro, I don’t know if I can trust …

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Can I Get the Bank to Remove the Charge Off From My Credit Report? – Ellen

“Dear Steve, My credit score is currently listed at about 560 ish with Experian and Equifax. There are a total of 5 olds accounts all not more that 400.00 dollars. I paid 3 off and I’m waiting for my paid in full letter. the other two I am disputing because a junk debt dealer bought …

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