Please review this and let me know what you think? :)?

I am applying for my first Studio, its a low income housing complex that has a very intense screening process. They pull your credit report and it has to be at 650 or higher (Im at like 653 w/ Experian- but I dont know what bureau they use that might make my score a little [...]

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Help with fixing my credit….?

I have a few things here and there and a few big things on my credit. I got my credit report, and got my credit score… its horrible. 503…. 503 are you kidding me? I need help to fix it, any ideas?

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How can I get a mortgage if I have credit score under 400?

Most of the mortgage companys I have tryed will not give me a mortgage because I have a credit score under 400. They say they will not help anyone with out having a credit score over 500. I have a fourclouser on my credit and a really old credit card bill that I refuse to [...]

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Should I contact the original creditor (XYZ Hospital) or the collection agency listed on my credit report?

I am trying to clear up my credit report and I’m confused. I have my credit report (equifax) and it lists my "collections". I have collection agencies with the balances – but it also lists the original creditor – all hospitals – all medical bills. Do I contact the original creditor to get that removed [...]

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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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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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