Comments on: Get Free Credit Advice

By: Scott DuVall

Scott DuVall — Tue, 30 Aug 2011 21:54:17 +0000

One of the things you can do is get a copy of your free credit report at annualcreditreport.com and see how many derogatory items are on your report. I’d suggest disputing all items and see what happens in a 45 day period. Then from there you can see what has been deleted and changed and improved. Make negotiations with the remaining creditors to pay a percentage in exchange for them deleting the negative item.

By: Doug Sheeler

Doug Sheeler — Fri, 24 Jun 2011 05:00:23 +0000

hello all, i see a few people seem to have a bit of knowledge on here about credit. well i do not so this may make me sound stupid but here goes. after a divorce and a few … shall we say ‘less the exemplary” life-mate choices my credit has suffered dramatically. i work overseas offshore and am always gone, so you need someone to take care of things while you are gone, well you can probably guess the rest! money sure went, it just didn’t go where it was supposed to! and add to that i didn’t know about the inquiries hurting your credit either and you have a recipe for the disaster that is my current stature in life! anyway my situation is this after a few close calls almost losing stuff to repo (barely got back stateside in time to save my Harley!) i have been paying my bills ahead of time and paying more then i have too, and paying credit card in full every month. well my score is now 675 and hopefully getting better. in a while the past of the fiasco’s where my bills weren’t paid by my significant other will come off and i should be OK then. my question n is this, i have an offer to refinance my bike payment and save a significant amount on my payment over the Harley rate (savings of 300 a month!). but will this adversely effect my score or help it? also one of the credit inquiries i eluded to was for a new truck to haul my toy hauler which i am in dire need of and i was approved for. so i will be purchasing the truck next month upon my return stateside from Iraq (i only have 1 credit card and 1 loan payment open as of now) so if i do refinance my bike loan will it effect the loan for the truck? and will it knock my credit repair plans of course by doing so? my advice from the quizzle and creditkarma people was to open 2 more accounts to help my credit get stronger. i make good money just don’t have much for a credit score right now. and by next summer i want to buy a house, so that is my story and my goals, and any info or input would be greatly appreciated! Regards, Doug

By: Hilary

Hilary — Wed, 01 Jun 2011 22:11:11 +0000

I purchased a mobile home five years ago and the market had died. I owe about 56k on it and it’s been for sale for two years and I can’t even sell it 20k. I am losing my job at the end if the month. I have excellent credit and want to know how bad will my credit be affected points wise if I foreclose. I just want to know a maximum so I can know.

By: debra

debra — Sat, 28 May 2011 17:13:14 +0000

why is it if you have a home that is discharged in a chapter 7 an u make payments on time it dosent report as an open loan in good standing

By: Myra

Myra — Thu, 18 Dec 2008 01:57:33 +0000

My husband co-signed for his sister. We were trying to buy a house and to find out she has not payed three months in a row! Now we cant buy a house and my husbands credit went in ruin. i never agreed on him co-signing since his sister never pays anything. for example he got a bowflex that she was going to pay. he ended paying it all off 3 years later!!! even if its family do not co-sign!!!!!

By: dina

dina — Mon, 08 Sep 2008 09:18:09 +0000

Help, I really have messed my credit up . I went through a divorce, Let our house go back to bank, &Let my car go back ,owe 11000 they will maybe sell it for 5000 ,I will owe difference. I have maybe 2000 in other bills. Long story as to why I am in this mess , but how do I get out .I pay all my other bills on time.I make to much for bankruptcy .I can file chapter 13 but not 7 .Does chapter 13 really fix your credit and if so how long does it take? Do I have any better options?Oh and the house shows on my report as balance 0 .How do I find out if they are charging me for difference .

By: Tyler

Tyler — Tue, 09 Oct 2007 16:36:22 +0000

I am stuck with credit card debt that I cannot keep up with. I am paying on three cards @ 28%-32% interest due to lates and over limits, I am in a option arm mortgage that will be steady for three more years, then re-am. I am considering an offer on one card to take a reduced rate term loan (60 Months) but this will show as a Branch Account closure on my credit report. How will this affect my refinance options when three years is up. How much (if i am paying off the total) will this affect my credit score? My income is barely enough to sustain where I’m at.

By: Nick Ripley

Nick Ripley — Fri, 29 Jun 2007 07:16:56 +0000

FLEXO! She can sell the car for what is remaining on the loan. Like a “short sale” for cars.