how can i fix my bad credit?

heres my situation, im 21, make about 00 a mth, and my bills take up 70% of that money, i have a credit card that has a limit of 00, but the balence is 40 (they charge me 0 in fees a mth, so i cant seem to keep it under much), i have a [...]

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what type of credit is gas bill & does accepting settlement help credit?

I am trying to fix some past credit. First i have a old Credit card for about 480. They are offering a settlement amount of 120. Should i take it? Will it help my credit? Or should i try to get them to let me make payments. This is about 4.5 years deliquent. Also what [...]

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Anyone Have Experience With Car Payments Building Credit?

Me and my husband just got a Jeep Liberty. He is the buyer and I’m the co-buyer. The seller told us this will build our credit much faster than a credit card. It is about K and I’m hoping paying this on time along with our credit cards plus with us getting our credit fixed [...]

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Credit Card Issues (how to get out of it)?

I have a credit card with about ,000. I’ve used the credit card for paying for school, stupidly believing that would be a better route than getting a student loan (yes, I know, stupid thinking). I got a car a year ago, and that has opened my eyes to all this stuff about loans and [...]

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Help with bankruptcy or debt relief options?

Im on the fence and i need some insight. Im 27 currently having about 18k total debt from about 4 credit cards. Around 2007 every thing was fine i made about 440 a week with less than 40 hours of work. My main Credit card was 17k limit and credit score was 779. Bought a [...]

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Bad Credit problems??? please help!?

When my parents separated, my father took my mom’s credit card and maxed it out. Needless to say he put us in a bad situation where now we are just trying to get my mom’s credit fixed. Right now she is having some major financial issues, is there place that will give her a loan [...]

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online credit cards? how do they reflect on credit?

i have had a online credit card with the limit of ,500 for the past 3 years, but i just found out last month on my credit report that i had it. its in good standings, never purchased anything, so i never owed anything. so should i use this to raise my score up(trying to [...]

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