Credit Repair Questions & Answers

italia044 asked:


I’ve racked up some credit card debt in school and now am out and want to pay the debt off in a lump sum settlement. It’s been about 2 years sense I’ve been able to make any payments and there have been a few different creditors that have tried to contact me. How do I know which one to contact to get this debt resolved? Any advice for getting these settled fast? I know you should send them a money order to hide your bank info and that you want them to write “paid as agreed” on your credit report… anything else? Thanks

danrredd asked:


I disputed some items on my credit report to experian. Do I have to contact the other two credit reporting agencies to dispute the same items?

CW asked:


When I lived in Florida I tried to get DSL in my apt. I contacted Verizon to get eveything set up and they mailed me everything. I found out that the phone jack in my place was not wired at all, so I called them to cancel it. A little over a year later, a collections agency contacted my parents looking for me. I contacted them and found out what the issue was. Apparently Verizon had charged my for the little time I had the modem and service. Once I found out about the charge I immediately paid it. A couple of weeks later my credit score drops 100 pts. After a year they finally put 2 derogatory items on my report. Is there anyway to dispute this and get it off of my report. It took them a year to contact me and when they did, it only took me a few minutes to get it paid. The rest of my report is spotless, does this not count for anything?

HALO SPARTAN asked:


My mom and I have the same name and their is something on my credit report that is really hers. I’m trying to refinance my car and I can’t get the loan approved because of that one thing from my mom. They said I can pay someone to fix it but isn’t there a way to contact the credit report bureau myself?

Malcolm M asked:


I read on line how some companies quarantee to fix your bad credit with a one time fee and the results or changes never happen. How can I avoid these scams and who can I really contact that can help me with fixing my bad credit?