Credit Repair Questions & Answers

kel5996 asked:


I have been told that every time I order my credit report, my score goes down. Is this true?

AMEFIKA asked:


When I apply for loans and tell the creditors what my credit score is they still run my credit. All the reports I read talk about the imporatnce of knowing your credit score and that’s fine. But what’s the importance of knowing my score when the creditors run it anyway? Also, how do we know that the rates that we qualify for are true based on ourcredit score? Is there a chart tat we can put our credit score up against and it tells us what rates we qualify for?

redhairedmama75 asked:


I noticed that all 3 of my credit reports list different current employers. Now these are employers I have actually worked for but quite some time ago (in one case 7 years ago)

I make ALOT more money now with my current employer (who I’ve been with for 3 years now) that I ever did with any of the ones listed.

Would getting this information updated affect my score at all?
How would I go about getting it updated?

Jennifer K asked:


If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else?

Ducci asked:


When I ran my credit report today, it shows my mortgage on there 3 times. All three accounts have the same account number and balances. My account is in good standing so does this hurt my report or make it better by showing so many good mortgage balances?

m asked:


I had a few judgements that were supposed to be removed from my credit report when I filed for chapter 7 bankruptcy, but 2 of them are still on there. How do I get these removed, like who do I contact. One I had contacted someone before and they said they were going to remove the item, yet they haven’t and it is being reported on all 3 agencies which I am sure is bringing my score down. The other one is only on my experian, but it should have been removed once I declared bankrupcy right. There was also a collection that was never removed. All three of these items are on my discharge report and my report when I filed, so they should be gone right. Any info would be greatly appreciated.

littlepink_sweetie asked:


The bank told me under $5,000, is this correct, or did I hear him wrong? And if you are buying a home does your spouse have to be on the loan? I know the deed needs both names. Any advise on home loans and debt would be great.

TToft510 asked:


I am starting a lawsuit with an ambulance service in Iowa and am looking to buy a house. The home buying started before the notice that there was even a collection issue. My question is, how long does it take for a medical collection to be posted to a credit report?

Autumn asked:


On my credit report I seen a entry of a electric company I currently use. Anyhow I called them they had no record of it. Put me on 3way with the collection agency they have no record of it. Finnaly after calling there corporate office I was told to call a number and tell them to delete it from my report. OK first I think this should be there job it was there mistake that is costing me. But I called it was got a recording saying they have another number to call for a nationwide directory and it was going to cost 5.49 a min. I was like no way im going to call that . So who do I call?

missy l asked:


Will your credit score increase after a 7 year old unpaid debt falls off your report and are you still responsible to pay?

Kent asked:


I have worked very hard on actually getting debts deleted from my credit report but my score is the same! How long do I have to wait for it to improve?

rnhard7 asked:


In process of organizing finance to purchase house and need a copy of my credit report to see any negative info or reporting that I need to fix. I live in Arizona and would like to know the best site for the most detailed report that is accepted by all creditors. Thank you

reme14u asked:


After making late payments in full how do yo get your credit report clean or do you have to wait 7 years?

TikaP asked:


I had a creditor to take me to magistrate court on an unpaid furniture debt. After some years later, they garnished my wages. I left that job and found a new one. Since that time (about 7 years now), they have been continuously pulling my credit report. When they do, it shows as a hard inquiry which lowers my score. Is this legal?

bababoom asked:


I moved out off my aparment in November. I never got a letter from the apartment complex afterwards or any type of bill or correspondence. I had a credit score of 764 and suddenly it dipped to 670. I bought a credit report to see why and discovered:

Original Creditor: SANDSTONE APARTMENTS
Responsibility: Individual
Condition: Derogatory
Original Balance: $108
Balance: $108
Date Opened: 01/24/2006
Date Reported: 05/04/2006
Remarks: Placed for collection

Is there anything I can do to get this off my record and get my score back to where it was???

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?

Adrian C asked:


I have a good payment history on my car loan for 18 mos. I want to refi, but do not want to keep getting hits on my credit report while shopping.

Alias asked:


I just recently received a judgement from small claims court for a medical bill debt of $500. When will it be reported to the credit bureau and is there a way to prevent this should I come up with the money to satisfy the debt?