I have no idea where to start to repair my credit. They are always offering free credit reports but I am leary of that. Could someone please tell me where to start?

I want to repair my credit I know this will take some time however, I have come into some money and want to pay everything offf thats on my credit if I do so what will happen? will be removed? will my score get higher? I'm so clueless as to what will happen after I pay them all off and its kind of embrassing Im only in debt by 3000.00 how sad

does a debit card repair credit in the same way that a secured credit card does? if not, what's the best secured credit card out there (lowest cost, etc.)

If I have had bad credit in the past, and I would like to apply for a credit card but have already been turned down by one, how can I get a different one? Im hoping to rebuild my credit, all my old debts are paid off (including my car) and would like a credit card... the limit isnt important. Does anyone know any companies that will give cards to people with bad credit?Also, I live in Canada.

I apparently have REALLY bad credit. My lease is up at my apartment and I am looking to move. I put in an application for an apartment today and was denied because of my credit. I have never had a problem getting an apartment before, I have lived on my own in apt's for 5 years and never paid rent late, never broken a lease, and never left damages. I make $36,000/year and could not get approved for a $650/month apt. I have been at my job for 6 years, and I am 24. Is this right? Should I keep looking? I don't want to keep paying application fees if I am not going to get approved. I live in Houston.

I have a friend with bad credit in California. She lost her job about four years ago and could not pay her credit cards anymore. Until now she is unemployed. Will she go to jail? What will happen to her? Can rent an apartment again? Find a job?

How much will my credit score increase if I were to pay off 50% of my credit cards within a 2 month time frame? My current credit score is 568 and Im hoping to increase it to 700 :) Im planning on getting a car by the summer and I want a great credit score...

I have a credit union visa credit card wth credit limit of 15K$ And Amex card with credit limit of 10K$ I spend around 3k$ including both the cards in a month. Before the due date, i payoff all the amounst -3k$ ( no finance charges ). I dont have any other loans. I have credit score 690 what is the possibilty i will have the score of 850 in 2 years from now with this pace. Is the high credit limit will affect my score ?

I have 2 credit cards on my credit report that I've never used. I've heard that the less credit you have avaible the higher your score will be (less cards/credit to max out on). But I've also heard that if you close accounts it lowers your score. Should I close them?

I just ran my credit report and there are several hits on it to say the least. Is it better to call the collection agencies directly and work out payment arraignments or should I call the credit consolidator people. And what is the best credit consolidator co to call?

I have alot of negative items on my credit report.. what's the best way of getting these removed quickly? If i write a letter to the creditors explaining why i didn't make a payment.. will they remove it? im 21 yrs old and need to repair my credit.

I just found out I have a collection on my credit report for $69. I have no idea what it is or anything. I have to wait til tomorrow and call them before noon. What would happen if I paid that? Will it lower my credit score or will it go up a little?

How to fix a credit. i put my wife in my credit cards but i separte and she use the card and i did not she spend a lot of money and now i need to pay back. what i can do it to fix my credit i cannot pay something i don't spend we are married what i can do it she pay back to me.

I am in the process of trying to buy a home and recently reviewed my credit report. I noticed that one account was still reported as opened with a balance. About 4 years ago, I had a credit card account with Conseco Greentree Financial services. The balance was sold off to another company when Conseco went bankrupt. I've since paid off the balance. I called the company that serviced the loan and they said there's nothing they can do since they don't appear anywhere on my credit report. How cn I get this fixed? I can get Conseco to fix this since they are no longer in existence! HELP!!

I have a very low credit score with old delinquent accounts. I have heard paying off old accounts is pointless, and will not improve your score. Is there any way to fix credit on your own with out the use of a lawyer etc.

I have 4 credit cards and I've had them for about a year.. My credit score is 627 and a family member has a credit score of 800.. If we start a joint credit card account will my credit score go up?

I am only sixteen, but my dad says that if I want to buy a car-- and eventually an apartment or a house I need to establish a line of credit. How do I do this? Whats a good way to get started?

im trying to find a store that i can get a charge card. im trying to improve my credit. I have a score thats really low and ive even tried orchard bank. any ideas for some store credit options???????? also i do have a repo on there and only one credit card. ive tried eveywhere. i couldn't afford it then. i mkae very good now and want to atleast keep trying..

ok i have problems with my boyfriend everytime we go out or something im always arguing with him telling him why he looks at other girls and stuff he tells me hes not looking at no one and if he is he says its normal who in here things its normal ? i mean he tells me he loves me he has changed somewhat but still i cant help my problem can anyone help i really want my relationship with my honey to last longer than 3 years

I only see different firms offerinf from 5k to 250k. I am getting the hint that any single firm will not qualify me for the amount I need (150k) so I was thinking that I could apply to 2-3 different firms to get the toal amount that I needed. Can it be done? These loans do not show up on my personal report. So what is stopping me (or anyone) from simply applying for multiple unsecured start up business loans? I will of course be truthful in my applications.

If i'm logged onto an unsecured wireless network, what exactly does that mean? Are my accounts at risk if i view them over an unsecured network? This is a serious question, though i know it might sound a little absurd to computer buffs out there. Just looking for an answer to my concern:)

i am in like over $30,000 debt. is there anyway i could make money with out really budgeting? keep in mind that i own a store, so i have to buy items for it everyweek. oh yeah. and theres a baby in my family too. and ive previously owned another store.

IM looking for a good company that can help me out with my debts. I have over £10000 worth of debt to different things like credit cards and unsecured loans. Does anyone know of a company that could help me out with either a loan or a debt management.

If there is a debt on a property owned by a person who is now deceased, how can the debt be collected if the executers do not issue their probate? The executers have been asked to pay the debt however because they are not issuing their probate I cannot claim the money owed to me from them. It has been quite some time since they were asked to pay the debt. Any advice on how I can get my debt.

i have heard mixed answers some say yes, others no, i would like to know if anyone has had experience with them, or if anyone has any knowledge about them that could help me out thanks

I have been fighting BOA since 2005. I have all the documents sent to them so they can correct the adverse account entry on my credit report and they still give me the run-around. I tried writing to the credit bureaus too but all they told me was to write to BOA. I am tired of this game they are playing maybe it's time I sue them?

These payday loans are causing us to not be able to pay our everyday bills such as power, water, rent, car payment, etc. They are taking the fees/payment out of our checking account every week. We filed for bankruptcy over 5 years ago. These payday loans keep getting us further and further in debt. What can we do?

If I close my store I will need to sell the open checks I have to another payday lender in the city. I am trying to get an idea as to what I should ask for them.

I recently saw an offer to get a payday loan that reposts to the big 3 credit agencies. How much can getting payday loans and paying them off on time REALLY improve my credit score?

I have about $24,000 in debt. Is there any debt relief sites that I can go to and are legit? I'm tired of all the debt and I need help.

I am buried in debt and need to file 13, or 7, or do something. I am not really sure whats out there. Can you present the current optionsand explain them with their pros and cons.

How do they proper? Is what they do legal and does it really stop collection calls? What if a person is already in a payment program where they have access to your checking account and you turn your debts over to a debt relief company? What is the procedures. Is using a debt relief really worth it to get out of debt?

Hello all, I have a question regarding debt consolidation. I have about 15k worth of debt and have tried applying to two companies for a debt consolidation loan and was denied both times. I thought about trying what one of the other posters suggested , writing to the individual companies threating a voluntary bankruptcy order. I have about 10k in the bank, but I don't want to borrow from that lender because I wouldn't be able to use the money in my account. My credit is only good. What other options do I have? Thanks

I recently purchased a home (3 months ago) and financed 100% of the home. At this point I do not have an equity in the home. I am currently looking for a way to consolidate some of my debt to lower my rate, lower my payment, and ultimately pay off the debt sooner. I have 1 car loan, 1 personal loan, and 5 credit/store cards that I would like to consolidate totaling about $16,600. My FICO score is currently 686, and I am on time every month with all of my bills. I have paid all bills on time (most of the time more than the minimum) for more than 3 years straight. My problem is that my Debt to Income ratio is probably too high for most lenders to consider me for a consolidation loan. What can I do to consolidate ALL of my debt? Any feedback would be appreciated.

I have about $6,500 worth of debt, my income after taxes is about 21,000 a year. Most of my creditors have closed my accounts (all of my credit is maxed out). I recently got my FICO score and it is 529 (very, very poor). I have called some companies that specalize in debt consolidation and I have been told that I do not have "enough debt". I talked to a professional about bankruptcy and was advised against filing because I do not have "enough debt". I am a renter, and do not have any assets that could be held for collateral. With my credit score being the way it is, and closed accounts on my credit record... what are my options?

I just paid off my unsecured loan with rate of 17.99%. And i want to borrow another unsecured loan later. And my ? is how long will it take to reflect my credit history that will show that i dont have any debt. And also, if i borrow money again will it also decrease my rate....cuz i paid off my debt on time...

I need an unsecure loan for 25,000pounds over 25 years but my husband and i have poor credit records and we need the loan asap, live in scotland by the way.

I am 105K in debt(mortgage, student loan, car and the unsecured loan) and lost my former job due to lack of work. I got a new job but I am out 15K/yr. Through much juggling, I am paying off everyone except the unsecured loan on which I am paying 30/month(they want 260/mth) and they are unhappy I am paying them so little and threatening to sue me. I am trying to sell the house to pay off the mortgage and the personal loan and this is still at the original lender level. I am hoping I will get to work with a collections agency first since I can offer them the 30 I am now paying the creditor and when I sell the house I can pay the bill in full and have the credit bureau remove the blotch from my credit by showing evidence of payment. Do they go to collections or sue first?If they do sue,will they garnish my wages or freeze my checking account(no savings) or both? How does the debt collection process work on an unsecured loan? Tried debt consolidation but my house is not worth enough to do it and having other debt attached to it would reduce my chances of selling the house and paying off the mortgage and the personal loan. I am really looking for info on how the debt collection process works,not how to get out of debt. I have that part figured out unless I get sued. Thanks Thanks Taja but I am asking what the collection process is. I owe 105K out of which only 9K are unsecured debt. I am paying everybody except for the unsecured debt (to preserve my assets) and paying this unsecured creditor 30 a month hoping to sell my house to pay of the mortgage and the unsecured loan which will get rid of 64K off my debt and put approx 4 K in my pocket to move to an area with a better pay labor market. I am trying to find out (by learning how the collection process works) if I am going to have time to get this done before I have to worry about their coming after my wages and/or checking bank account. In other words, if I can work with a collection agency to which I can offer payments and pay the 30 I am now paying until I can sell the house. I already tried debt consolidation and I can't get a loan for 105 K with a house that is worth 79K as the only collateral. The rest I owe is my car and student loans which must be paid or they will be worse than this creditor. BBOYBALL: My mortgage is in perfectly good standing since I pay that before I even buy food. It is the only assett I have and I want to move to an area where I can work without having to commute an hour to do so. That is why I am selling the house: to move and to pay off the mortgage and the personal loan I took out to buy a new furnace and remove asbestos. I am willing to sell for 76K.

I just posted a question a few minutes ago about my wife having to go to court over her credit card. Like I said before we have all ready settled 2 w/ a debt settlement company. Her's is the last one we are settling and now she has to go to court. She has lost her job because of plant closure. We have a small amount built up in our acct. with debt settlement company, but nowhere near what the lawyers say we may have to pay. Does anyone have any thoughts of what might happen?

I've been in a credit counselling service for one year now and I am saving money on the side. I've been recently offered a settelment on a sizeable debt I have. It's 60% what I owe the company but it's through a collection agency. I know that by taking the settlement, the balance will go on my income at tax time, but I figure that the taxes I'll pay on it will be a lot less than what I would pay if I continue with the payment plan I have been using. Are there any negatives to taking such a settlement? Can I ask that they consider that I paid it in full on my credit report? If I can manage the three payments, why shouldn't I take the offer? Sorry, I meant 60% OFF what I owe!!

I was talking to a friend of mine this morning and he was telling me he was going to do debt settlement even though he still had the ability to pay his bills. He said he would get the settlement company to get his balances on credit cards and unsecured debt cut by 40% or more, then make a lump sum payment right away and his debt would be cleared with almost no negative effect on his credit. He said usually what happens is you take from 1 to 3 years to pay off the amount and in that time it reflects poorly on your credit, but as soon as you pay it off it is as if it never happened. Is this true? If so, why doesn't everyone do this? It sounds like he is a little mis-informed? Or is it true?

I'm struggling with a mental illness which also includes deep depressions.I'm extremely poor & living in poverty due to my uncontrolable spending addiction.I WANT & CRAVE things all the time & as i havent got the money to get them as i'm disabled cant work,a council tenant in manchester,in deep deep debt & going through a form of bankcruptcy called a DRO & I only have just over £100 a week to live on to pay weekly instalments on my household bills and buy food but half the time i spend all this in one go and we dont have hardly anything in food to eat and cant even buy clothing and shoes. I simply cant stop wanting for things i'm in no position to afford & i resent bitterly not having the money to get the things i want & i often have violent temper tantrums and mood swings as i cant get my mitts on the things i crave and covet after. I feel that fed up i just stop in bed a lot-i cant afford to leave our home & go any where as my benefit money all goes all at once each fortnight so i have to stop at home until the next payday all because i've blown my money. If i cant get the things i want then i'm in a foul mood all the time-i only temporarly feel better each time i get my benefits and can go out spending neglecting paying the proper amounts on my bills and putting decent food on the table.Once the moneys gone i'm in the depths of dispair again. Can anyone put a name to this mental illness i obviously suffer from thats making me like this? Why do i crave after money so i can buy ''Material Things'' that i WANT & if i cant get them i'm pernamently angry and depressed and curse amnd swear at everyone. I ditched christianity as i couldnt be a born again christian if i tried cause of my problems.There was too much pressure in that cult like elim pentecostal church to chance your ways of living and follow Jesus-and i just couldnt do that as i'm much too materialistic-i want to go my way all the time-not follow the bible-like those religious crackpots wanted to do. I only started going as i enjoyed the lively modern songs they sing & in a hope the church might help me out with money. I believe in God but couldnt live the kind of life these so called ''Born Again'' christians do. I was brought up in a sane ''Normal'' traditional church of england church and thats the way i'm staying.Those extremist pentecostals have i think just made my mental illness worse-they are so dictative and controlling telling you what you can and cant do and how to live your life. They kept telling me i'd go to Hell because of the way i am with my uncontrolable spending and been in debt etc. I'm glad i'm away from those nutters now. Is there anything i can do myself to cure myself of wanting things i just havent got the money for & never will have. I dont get enough in benefits to save up for things i want & i couldnt save anyway-i'd just keep breaking into the money and going out spending it. I feel on edge and restless all the time as i cant get anyone-not even my son or ex husband to buy me the £600 i-phone i badly WANT. I doubt as i'm a middle aged lady that i could even use a i-phone as i'm not used to touch screen and i would proberly find an i-phone complicated to use as i'm used to using old nokis with a key pad just for talk and text.I think i just want to be seen with an i-phone to keep up with the joneses-as a lot of people do have these smart phones these days-and i feel such an odd one out as i cant get one.I keeping trying different networks but because of my debts and bad credit they will not let me take out a mobile contract-all i can ever have is pay as you go with cheap handsets. As i'm on a debt relief order it will proberly go against me if the official receiver finds i've been trying-unsuccessfuly to obtain an i-phone-so how can i get over this WANT and accept that i cant ever have one & to accept it and be content with my old nokia 6700 as its not that ancient-it does talk,text,photos etc. I know i've got a problem and its taking over my whole life-is there aay out of this mental illness thats making me this way. Sorry folks! have had to go under a different name as yahoo have barred me from asking anymore questions now so have had to use my middle name and change my email address in order to ask questions-but this is the final post now i'm canceling this account after my replys have all finished coming in. Hope someone out there is a phyciatrist or something & can tell me what this mental illness is & can it be cured as its stressing me out not ben able to control my spending & having to go without much in the way of food and clothing & not being able to get my mitts on the i-phone when everyone else is allowed to have them

I would like to do the "Dave Ramsey" method to snowball my debt, but I don't have enough money to start. What are the negatives for looking into a debt relief program? If any?

I've accrued debt due to the fact that I had medical problems, and was unable to maintain minimum payments with a creditor. As a christian, paying off the debt is important to me, versus filing for bankruptcy. If you were in this situation, how did things turn out for you after prayer? What testimonies of debt relief do any of you have who had large debt into the thousands? Thanks I suppose I'm just looking for uplifting stories to compliment my faith in God's supernatural power to overcome all obstacles. The debt was accrued before I was saved, and I made a lot of irresponsible decisions to get me through hard times when I had no other support. If I knew then what I know now, I would have depending on God for my needs, rather than getting behind on payments. Again, I'm looking for experiences others have had through the power of prayer. If you can not relate to this, please refrain from adding less than positive or supportive messages. Of course I know that God helps those who help themselves. Again, I'm just looking to read positive testimonies. Also, the debt is beyond the credit counseling point. I did try that a few years ago, but the monthly payment for all my debtors was more than I could afford, so I stopped payment.

I got a call from a bill collector today inregards to a car of mine that got repossesed by the bank. they are collecting on 8k and told me that if i dont pay, they will take my tax refund. I am getting 5k back and using it for my kids, can they do that.

Can a bill collector garnish your paycheck in the state of Fl.? I'm willing to make monthly payments, but they want more than I can pay. So I decided to send them what I can pay anyways. This bill collector is threatening to garnish my paycheck can he do that?

A few people online have stated that if a bill collector agrees to forgive the interest on a loan, and only requires that I pay monthly on the principal debt, I will eventually receive a 1099 form for the amount over $600. However, the collector says since I am paying off the original amount due(principal), minus the interest and late fees, I will not receive a 1099 form since they are willing to settle for payment on the principal. Is this possible for a collector to do? Or is this a trick, and I'll receive a 1099 form eventually? I will be making low monthly payments on the debt for the next few years and I'm currently on a fixed income without valuable assets.

I had a hospital bill that has been turn over to a collection attorney firm. I have been paying them for years. The interest is now more then the orginal bill. Is there a statue of limitation in Indiana for hospital bills being collected through an attorney? What would happen if I stop paying them? I need help, because of the interest rate, the bill keeps growing. Is there anything I can do?

They work for a collection agency but they are real lawyers.

I got a letter from a collection firm informing me that I was being sued and I e-mail and sent a letter USPS mail today offering settlement which include a payment arrangement. Yes, it is legal because I ran the case number on the court web site and the case came up.

I mean legitimate methods that can be used to stop foreclosure if you're lacking funds. Thanks for any help!

How long does it take for a person to be evicted from a home that has gone into foreclosure? And are there any precautions one must take if this is the ONLY option?

does any body know how long it takes to get out of your home in the state of massachusetts when foreclosure begings i am going into proceedings as o 9/15 and i do not have a buyer for my house