Should I stay or should I go?

I’m 23 and have been with my boyfriend for 3 years. We earn roughly the same amount of money, and have been living together for a year in a house that his parents own so we get pretty cheap rent. When we first started dating, he had just started a new job in an industry [...]

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Chase not backing down from APR increase to 19.99%(from 13.99%) despite no late payments & good credit?

I’ve had a Chase platinum card for 18 months. My credit was good when I first applied for the card, and this has not changed in the time I’ve had the card. I had it run with all three agencies in Nov of last year and the lowest score was around 730 I have never [...]

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Credit Repair help! I have paid every bill owed on my credit report, meaning I am debt free, READ ON?

however even though all my debts are paid (what a great feeling) my credit report is a mess because these lousy creditors have not updated my report. So in reveiwing my report I am so over whelmed by the amount of items that are incorrectly reported, that I know have to fix. I simply do [...]

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Question about Charge-Off on credit report?

I’m trying to figure out how to fix my credit, it’s so confusing! Anyway, I’m making a payment to a collection agency for a Discover card, each month. I have great payment standing with the agency. On my credit report, it reads collection/chargeoff. Does that mean the chargeoff will stay on the report after I [...]

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How can I restore my credit?

Im 19, when I was 18 I got my First CC. I got unemployed and i screwed that up, now my only source of some kind of credit history has been screwed up, the account was closed and im paying it off at the moment. I have couple more debts with school, its only 400 [...]

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If I pay off old debts what is the statute of limitation?

I have paid off some old debts recently. I settled them, and wish I would have demanded that they be removed from my credit report, but i didn’t. so now my question is, does the statute of limitations start again when i settle old debt? Or does it continue until the end of the 7 [...]

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Should I pay off Charge offs on my credit report.?

I chose not to pay off the charge offs on my credit report but I am paying off the open past due accounts that are up there. My credit score is extremly low and I am trying to fix my credit so I can start investing in real estate, am I making the right decision [...]

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