What is the best way to pay off a whole bunch of creditors at one time? Should I talk them down or seek help?

I have lots of bills at credit agencies all over that have accumulated over the last 8 years, from car loans to doctor bills. I almost filed bankruptcy about 2 years ago but decided not to. I have run into a hand me down of money and wil finally be able to pay them all [...]

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Should I get an used car while my credit score is high before all hell breaks through?

Right now my credit score is 787. I’m really wanting to get an used car, 1 or 2 years old car with less than 30K miles so that it would last me for the next 10 years. Currently my car is at 115K miles and is 9 years old, AC is broken. Radio is broken. [...]

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Can I buy a home with a credit score of 535?

my credit sucks, I know!!! I got credit cards right away when i turned 18, and just messed up. Im trying my hardest to pay all my bills on time (my rent is always on time as well as the utilities) so with that its hard to fix my credit report. Am I able to [...]

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Fixing my credit?

I have just recently looked at my credit report and realized how bad it looks. I need help fixing it. I just contacted one collection agency and they told me that it had been sent to an attorney. I then contacted the attorney and they told me too bad if i don’t pay it all [...]

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car dealer ships have ruined my credit with unauthorized inquiries.?

i originally bought a car and called the dealer ship to tell them it was giving me trouble. he said come and and he will get me somethin else. i left with a brand new GMC. a week later i went back to get windows tinted and found out that i couldnt keep the truck(later [...]

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can someone help with a question about credit?

Alright, i got my credit report and what not and my score cam back 515, i know thats bad, now what im trying to do is find a loan where i can pay off my credit which is (,000) and just pay back the loan, but im having a realling hard time trying to find [...]

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If I pay a collection and obtain a secured visa how long will it take to repair my score?

I had a collection on my credit file for about a year and a half and it was for the amount of 7500 CDN dollars, I tried to negotiate with them to have this removed upon deletion but they refused. I sent the agency more than 10 letters to have them remove this collection from [...]

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