Categories for Repairing Credit

how long does unpaid credit balances stay on my credit report, how do i go about repairing my credit?

October 7, 2011 5:00 pm Published by

Question by avijman: how long does unpaid credit balances stay on my credit report, how do i go about repairing my credit?
I have about nine different credit cards that I never paid because i ran into some financial difficlties when I was younger this was back in 1997

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Best answer:

Answer by Mike
It’s 7 years from last activity.

You improve your credit by paying your bills.

There is no time limit for them to sue you in many instances.

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Who can I speak with to start repairing my credit? I’m a neophyte with money matters and need help.?

October 3, 2011 5:00 am Published by

Question by Arkaynum: Who can I speak with to start repairing my credit? I’m a neophyte with money matters and need help.?
Does the bank offer this sort of thing? Should I speak to an accountant? Is there a group that assists with this? I’m kind of tired of being rejected for credit but not understanding why. I have read up on credit information but there’s to much information and I don’t know how to begin.

Thanks!

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Best answer:

Answer by uzi4u85
only time will heal credit there is no quick fix or repair agency that’s going to help you. they’ll claim to be a repair agency but it’s only a scam to reel in dumb poor suckers that don’t know any better, pay your bills on time or pay off everything you currently owe that’s the only repair available.

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Q&A: Help repairing credit, what do I do now?

October 1, 2011 5:00 pm Published by

Question by uncg_girl: Help repairing credit, what do I do now?
I am 23-yrs. old and I am desperately trying to repair my credit. I have paid down all my collection accounts except for two medical bills totaling $ 1800.00. These two accounts are 4-years old. However, I have recently obtained an auto loan and a secured credit card as of April 2006. I pay both before the due date and I pay the complete balance on my secured credit card. My credit score has moved from 580 to 620.

I also have student loan accounts that are in deferment. In all I have only 4 open accounts in good standing. What do I do now? I was wondering should I apply for a department store charge card to gain another open account or should I try to pay my medical bills in collections? I know that they have already harmed my score but I don’t have the $ 1800.00.
Would I be able to get a department store card w/ a 620 score. I would appreciate any help I can get. I am graduating from grad school soon and I’d like to have a more favorable score for large purchases.

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Best answer:

Answer by yums
youll find some great tips on credit/debt on this site that will help you more

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San Antonio Credit Repair – Selecting A Credit Repair Support : Several Factors To Consider

September 30, 2011 5:00 pm Published by

San Antonio Credit Repair – Selecting A Credit Repair Support : Several Factors To Consider

In the event that your credit history is actually disappointing as well as you want to mention individuals amounts with credit repair, you are not on it’s own. You can find millions of people who’ve endured economic difficulties, undergone a foreclosure, created weak financial selections, or perhaps which basically got within more than their brain and therefore are today enduring due to that. An unhealthy credit rating makes it difficult or perhaps unattainable a home loan, open up a charge card, or buy a automobile. If you wish to repair your credit, take into account working with a business that are experts in credit improvement, however be sure you work with a reputable organization. San>

There are numerous forms of credit counseling as well as repair companies available. You should examine many companies and speak to a customer assistance rep and discover out how they compare together prior to choosing the actual assistance you need to use. There are several key elements to consider inside a good credit repair assistance:

-reasonable prices. After all, you are wanting to recover from a difficult financial situation; excessively high charges may lead you directly into more difficulty. Watch out for businesses which use a sliding size dependant on just how much financial debt you owe. This leads to padded prices that may set an individual further directly into financial debt. A set amount per month is the best option. It should be affordable and also should not change. This way you can very easily are the price inside your month to month spending budget.

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-detailed examination. Each and every service that gives to correct credit will ask you to supply your credit rating and also report regarding assessment, yet not every one of all of them will show you your own are accountable to you. When the business basically states, “we’ll deal with that from here” without outlining just what wants fixed and the way they are going to get it done, avoid them. The most effective services will provide a detailed analysis of the credit report so that you realize what are you doing and ways to progress. San Antonio Credit Repair

-customized options depending on your own financial predicament. Does the company ask related queries? Will they acquire directly into considerations not merely your obligations, but your goals, scenario, as well as dreams? The more they wish to know, the better their service will probably be.

-counseling right after the credit file is actually restored. Look for a company that will offer you counselling as well as monetary assistance even after your credit history may be restored. Their particular aim needs to be not just to improve your credit, however to help make certain you will not possess bad credit in the foreseeable future.

-legal expertise. To San Antonio Credit Repair, repair credit rating effectively, a business must understand a variety of complex express as well as federal government regulations. A credit rating assistance staffed through lawyers and legitimate professionals may fully handle your case more efficiently simply because they come with an intimate understanding of the actual legal issues and will use them in your favor.

Choosing the right credit restoration support can mean the difference among elevating your credit rating by way of a few factors or perhaps a couple of hundred points. With the proper restore support working for you, you’ll shortly be back on strong monetary soil with a strong credit rating.

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For more information please visit San Antonio Credit Repairat 276 Stumberg St., San Antonio, TX 78204 or call (210) 767-3197

Article from articlesbase.com

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