Credit Question: Are Credit counselling services a waste of time or do they really help?

I am 24 years old and I owe about 15,000 in unpaid student loans and charged-off credit cards. I am reading different sites and am getting mixed information regarding how long things affect your credit. Some sites are saying that regardless if i pay my debts that they will remain on my credit for 7-10 [...]

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If someone adds you to there credit card account & ruins your score can you have it removed from your report?

Hello all! A few years ago my boyfriend decided to get secondary credit cards and add me to his credit accounts. I never once used the cards, and had a perfect credit report at the time. Recently I was turned down for a credit line increase so I checked my report and found that over [...]

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BAD CREDIT… Paid debt off?

I have a 3 credit cards that went to collections, american express, chase and capital one, I have already paid off my Capital One with the negotiation of paying a lower amount of the balance, i have paid my minimum payments of American Express, and Chase. What can I do to ask the Collection to [...]

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Need help with credit..?

So I was young, and thought credit cards were free money. I take complete responsibility. I neglected to make payments, got overloaded, and just couldn’t keep up anymore. I’m 25, I cut up all my credit cards, and paid them off entirely. I’m now debt free, with SHIT credit. (Canadian) So now, I’m trying to [...]

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Are those companies legit and do they really help?

I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are [...]

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Help With Bad Credit?

When I turned 18 my mother got credit cards in my name and left with the payments which runied my credit, Im now 25 and I was wondering is there a way to fix my credit?

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Bad Credit!! Help!!?

My friend has really bad credit. It’s starting to effect us, his friends, b/c he asks to borrow money all the time. He’s got a job and I think he owes student loans and a couple of credit cards…maybe ,000 total (estimated student loans). He shouldn’t be borrowing money at the age of 29, but [...]

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