I am sick of everything being based on your credit.?

my mom ruined my credit with utility bills, credit cards and home alarm systems. then i did a little damage by having things somethings sent to collections as well, but it wouldn’t have been as bad had she not already ruined it. and recently i got my car repossessed. not to mention i have a [...]

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my credit report is trashed with charge offs,is it possible for me to fix my credit report and raise my score?

Im 24 years old, i,ve lived hard times ever since I turned 18 and as a result, my credit report is totally trashed,I have charged off credit cards,old utility bills, hospital bills, you can imagine what my score looks like, Im trying to turn everything around and raise my score and I know it takes [...]

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I have really bad credit I want to fix the problem but I dont know what to do should I file for bankruptcy?

I think I owe about 20,000 in I have 4 credit cards, 1 repo, 2 broken leases, and utility bills oh and 1 cell phone, but I have heard that paying old debts can still lower my score more than what it already is, I dont want to file for bankruptcy but if I dont [...]

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What steps do I take to fix my bad credit?

I am 22 years old. My mother opened two credit cards in my name when I was 18. I have already paid the balance on one of the cards. The other is still on my credit report with a 00 balance. I have a medical bill on my report for over 00 from when I [...]

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Credit Card Debt Some Remedies

If you have credit card debt, then dont just bury your head in the sand and hope it all takes care of itself. If you do this, the problem will only get worse. While it can be difficult to face your debts, the earlier that you do so, that you accept them and accept that [...]

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Is there a way to consolidate all debts to make one payment?

I currently have an auto loan @ 7% interest(can’t sell car because loan is higher than value), 1 credit card @ 16.9%, a federal student loan @ 3.7%, and a private student loan @ 17.95% in addition to rent & utility bills. What are my best options to reduce my payments? I’d like to make [...]

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is their help for people who get behind on their mortgage payments?

got behind due to unexpected repairs to the house, busted pipes, hot water heater quit, central air unit went out, high utility bills, leaving check to check on a teachers salary and trying to provide for four kids and a granddaughter by myself, tried a good website called prosper.com but my credit score was to [...]

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