To make a long story short…i have pretty bad credit after having very good credit!!! There are things I plan on doing in the furture that requires good credit so i am trying to start fixing it!

However, i have a couple of things that went to collections from maybe 4 years ago! What do I need to do to fix my credit score? I understand that one can dispute things, but I pretty much never paid things on time so everything that I know of should probably be correct!!!

I have a car that is payed off since then, and am now paying off school with OUT missing payments! Will this help and how much will it help?

I would like to have my free credit report without giving my credit card information. Where can i obtain a copy of my credit report without paying anything?

I am looking for a company that i can trust to repair my credit does anyone know about this particular company. Or can someone refer me to a company that’s not going to rip me off.

LIke services like Lexington Law or DSI solutions? I have credit issues and if I can pay someone to fix those issues so I can get a house I would deffenitly be willing to do so, but I dont want to jsut hand over money to them and have them do nothing for it. Anyoen that knows anything of them would be a great help. Thanks everyone!

1. If I apply for a new credit card (visa signature) but cancel my old visa card? If my current credit score is 750, what will be my score after doing so?

I recently got a Household Bank credit card in order to help build up my credit score. I have only used the card for small purchases and have paid off the balances for 2 months (the amount of time I’ve had the card) but no payments have shown up on my credit report as of yet. I was under the impression that Household Bank reported to the credit bureaus every month. Does anyone know when the payments might show up?

I know not all the bills I pay are being reported to the credit bureau like cell phone, light, rent, basic bills… Am I able to send these bills and proof that they were paid on time to the credit bureau to help with my credit score? Or are companies only allowed to report?

I just got a new job in finance, I have to learn how to read credit reports to decide on loans. I understand some things on a credit report, but I would like to find a website that breaks them down for you…..any ideas?

I screwed up years ago and I’ve already paid off those bad credit card debts. The only debts I owe now are a student loan (always paid on time), a new credit card (paid on time and only used for emergencies), and a car payment (paid on time).
How do I get my credit score to go up?

How can a Commerce student start with Credit Repair Business?

I’ve owned 2 credit cards for approximately 5 years and now have student loans to pay off as well around 30k. What or where is the best place to get a credit check done? How easy is this and can it be done online? And once you have it done once is there a company that will provide anymore future checks for free?

I’m talking about those that are in business to actually help people that are having credit problems, and are not just trying to make money off the problems of others.

My X-Husband and I got a divorce, with it papers that stated as a contract that he would be taking two debts he incurred while we were married but these debts still show up on my credit report. Is there any way to stop these debts from being reflected on my credit as it was agreed via the divorce they were his responcibility?

Any help at all is appreciated.

I want to fix my credit report and pay off my bills, but don’t have the time to sit down and contact them all. Is there a company that would help in this task for me?

I am trying to get a few old accounts resolved for good. I am thinking of talking to a credit counseling service. Has anyone found them to help with advice.

My fiance and I are looking at buying our first home. I made mistakes when i was younger with my credit and now have bad credit. I have worked out payment plans with my credit card companies and am working to repair my credit; however my fiance and I want to buy a house. He has excellent credit. What is the best way to go about this. We both are newly out of graduate school and have recently started jobs with modest incomes, but I make a little more than he does. Would it be better for us to apply for a home loan together or for him to apply without me so that my credit is not factored in? Thanks.

I am needing more help in removing charge-offs and collection accounts, as well as old, closed debts from my credit report in order to increase my score.

Do credit repair agencies really work? I’m looking into a place in Chicago, Revolution Credit Services.

Does anyone know anything about credit repair or this agency?

I get my free credit report every year. I need to know how I can get my free credit score without signing for a free trial membership with the people who require that you sign up. I’d appreciate any good answers someone can send me.

I know that once you declare bankruptcy you can’t file again for another 7 years, but how does filing affect my overall credit rating? Do already paid off credit cards in my name remain valid or are those accounts closed?

If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?

How long of a credit history do you need to establish to be considered for a home loan? There is no bad credit history, just haven’t established credit with anyone.

I need to fix it, how? Any where I can go. I don’t have any repos or but I have baaad credit?? Any suggestions.?

If so i would like to talk to you, i want to start my own credit repair company but not sure about all the technicalities. I help repair credit as of now but on the side out of my house, usually on the weekends.

I have bad credit and i’m starting a web business not a big business so only need a small loan?