2009 October | How To Reduce Credit Card Debts And Enjoy Financial Freedom Today!

What is the best way to fix my credit?

31. October 2009

I recently checked my credit score which is 686. I want to know if there is anyway to improve it. Any suggestion helps, thanks.

I need to know how to repair bad credit. My credit report came back today and my score is in the high 500′s?

31. October 2009

6 Comments

I’ve seen lots of websites, lots seem to pretty scary, i.e. scams. I’m looking for a reputable source that can help me legally and quickly. We’re trying to buy a house and the interest rate I was quoted makes the payments way too high. I went through a messy personal relationship and my credit record [...]

Is it better to pay off debt or establish credit history?

31. October 2009

8 Comments

My husband and I have 4,000 dollars in credit card debt with an interest rate of 19%. My husband will be making a 6 figure salary about 2 years from now as he is studying to be neonatologist (newborn doctor). As of now he is making a around 50,000 a year. Either we significantly downgrade [...]

What would cause somebody’s credit score to decrease?

31. October 2009

11 Comments

My fiance and I have been working really hard to repair our credit. He recently paid off the items that he had in collections and all payoffs were reported to the 3 credit agencies; however, when he printed out his report, his score had dropped! We checked for any signs of identity theft on the [...]

Has anyone ever used Federal Debt Relief Services?

30. October 2009

3 Comments

This outfit claims that lawfully creditors are not allowed to loan money on money they don;t physically have (something like that). They claim, if one stops paying your credit card bills, pay them for attorney’s fees then all this credit used (of course, at a high rate ) will be dismissed. Therefore, the attorneys then [...]

How Do I Repair Credit After 7 Years of Delinquency? How Long Does It Take?

30. October 2009

5 Comments

I asked the question as part of my previous one, but I’m hoping ot get more responses please. After 7 years of delinquency, the bad debt falls off my credit report, let’s say I’m at a 400 credit score. How do I go about bettering my credit? How long would it take before I have [...]

Can I reduce my credit card bill of $1100? $600 of which is interest and extra charges?

30. October 2009

3 Comments

Hello everyone, 2 years ago I irresponsibly opened a high interest credit card when I turned 18. My limit was at 0 and I maxed it out the first month. I haven’t paid a single dime back in over 24 months. The collection agency that is handling the situation now is asking for 00, 0 [...]