Debbie Dragon asked: There are attorneys and credit repair “clinics” that claim to be able to remove negative items from your credit file. The service is costly, with some providers charging up to $3,500. It sounds great, in theory, because what’s a few thousand dollars for repaired credit? The trouble with this service is consumer’s [...]
L. Sampson asked: Knowing what is on your credit report can help to keep your personal information safe, give you a chance to correct inaccuracies, and save you money on interest rates when you apply for a home loan. With the wide availability of free or low cost credit reports online, there is no reason [...]
Searcher asked: I need to rebuild my credit and cannot qualify for a non-secured cc (or even dept. store card). I am on SSD and receive about $700 a month now. After rent, etc. I’m lucky if I end up with $50 left over the day after the direct deposit. Therefore, I need a secured [...]
Liana Mei asked: What do credit bureaus mean by “long history”? my credit report says that my score is lower because of this factor, but I’ve had my first account open for over three years. Furthermore, my report lists the inquiries I have for the last 12 months, but I thought they stayed on your [...]
hey slick asked: I have the same name as my dad and grand father (yes one of those families) just different suffixes. I noticed when i checked my credit report that i have two accounts that belong to my dad. Both accounts are closed, but when looking at the statues neither account was in bad [...]