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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how hard is it to get a loan once our credit is finally good during the recession?

The reason i am asking ( serious help please) i am back trying to fix my credit. Due to cut hours and barely missing being the laid of workers list i decided to go back to my goal of trying to open my business. My credit is definately not great at all and no HOPES [...]

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want a house don't have good good credit score?

I really want a house. But my husband only has a 575 on his credit report. Is there mortage company out there that will get us a mortage? We have not credit cards now and we even got a credit place to help us fix our credit. But it didn’t help. We did get a [...]

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I am currently in escrow and the bank wants me to have "consumer disputes" off of accounts on my credit report?

Apparently this is something new that banks have started doing just recently to make it tougher to get a mortgage on a house. Two years ago I went to a credit repair agency that worked and brought my score up drastically. What I didn’t know is that it would leave some remarks on some of [...]

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Do You Really Know How to Improve Your Credit?

The only one who can fix your credit is you, and this process can only happen over time as you take steps to improve your credit on your own. First, contact your creditors when you realize you are unable to make your payments. If you need help preparing a budget and working out a payment [...]

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Disputing Credit ReportsWhat You Need to Know

Managing credit often becomes complicated when details are lost, confused, unknown or when there are disputes on personal credit reports. Many times there will be errors with purchases or credit records. Other times, you may be dealing with fraud from information being stolen and used by someone else. No matter what the error, the Credit [...]

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After a credit card balance has been delinquent for more than 6 months, it’s over?

After a balance has been delinquent for six months, regulations require the card company to reduce the value of the debt on its books to zero. If a borrower has not paid by this point, chances are he never will.

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