How can I fix my credit?

In 1998 I got pregnant with my son, I made the right choice and we started our family. We got married in 4/99, my son was born in 7/99. Well, in 8/99, my husband’s ex decided she no longer felt like raising their 3 year old, packed him up and shipped him out to us. [...]

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Do I pay off old debt on my credit report?

I have 3 closed credit card accounts, 1 medical collection and couple miscellaneous collections. Yes, I know. I should have paid my bills, I should have got a 2nd job. I definitely regret this now. I was 19 and had no idea how to manage money. Now I’m 8 years older, a mom and I [...]

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How can I repair my credit?, I have several charge offs and derrogatory accounts, can anything be done?

I have really bad credit right now which I wanna try to repair and I know it takes time but I dont even know where to start, I have charged off credit card accounts and some bills in collections, I heard if I tried to pay these now it would actually lower my score, is [...]

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Getting Credit When Youre Over 62

If youre an older consumer who has paid with cash all your life, you may find it difficult to open a credit account. Thats because you have no credit history of how you paid on credit. If your income has decreased, you may find it harder to get a loan because you have insufficient income. [...]

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Divorce and CreditAre You Liable?

Bill and Susie recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Susie for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts. [...]

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What is the best way to reduce credit card debt?

I am sinking in an ocean of debt and currently hold 2 credit card accounts that are nearly maxed out. I have not made purchases on one credit card in over a year and now owe more than 00 on it above and beyond the current balance, simply because the interest rate is adding up. [...]

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What Can I Do To Improve My Credit Score?

Nevertheless, scoring models usually consider the following types of information in your credit report to help compute your credit score: Have you paid your bills on time? You can count on payment history to be a significant factor. If your credit report indicates that you have paid bills late, had an account referred to collections, [...]

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