I have horrible credit. How can I repair bad credit?

I have horrible credit. I have credit cards that are not even delinquent anymore, but written off. I don’t even want to know what my credit score is. My credit is so bad, that I can not get a cell phone without a deposit . I even have my home phone number unlisted so the [...]

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Top 7 Questions About Your Credit Score

Here are the top 7 questions we hear from consumers about credit reports and credit scores… 1. Will closing paid off credit card accounts improve my credit score? This will surprise many of you, but closing paid off credit card accounts can actually hurt your score in two ways. In Your Credit Score, Liz Pulliam [...]

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Accurate Negative Information And Controlling Your Debt

When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations [...]

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how do I get out of credit card debt when debt collectors are after me?

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Will paying off all my debts that have already been turned over to debt collectors raise my credit score up?

My credit score right now is a sad 505 and i want to raise that up as much as I can. I'm in debt with collections a total 4. If i pay all that off at once will it raise my score?? and if anyone can give me GOOD advice on how to raise my [...]

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