Credit Repair Questions & Answers

Seaman asked:


I recently went over my credit limit by $10 and noticed that the credit card account (Cap One) was reported as delinquent on my equifax credit report? How can this happen and what are the consequences to my credit rating/score? Thanks for your response.

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jaden smith asked:


I cant understand how in the world my credit score actually fell lower than it was last month. No late payments in the past 4 years, no new credit inquiries or accounts since May (the same inquiries were on last months report), and I actually paid off a $4000 credit card. This makes no sense to me whatsoever….Can anyone explain why my score dropped?

LJ asked:


I am wanting to purchase a house, but I don’t want to look into financing until I find something I like. I am afraid my credit score will be reduced if I start asking banks to review my credit.

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Mia J asked:


I would like to apply for the card, and I already know what my credit score is, but if I know ahead of time what score is required to get the card, then if my score is not high enough I don’t have to have that inquiry on my report and lower my score.

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MM asked:


I just cleaned my credit report up. I tried to get a vehicle with a 527 score and got turned down, they told me to wait till my score went up. Any ideas on how long this takes, or how long I should wait?

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originale_tees asked:


What was your score after you filed and what was your score six month, a year, or two years after you filed. I hear that my score can bounce back as long as I do things that show I am responsible, such as pay on a secured credit card, and other things that show that I am a responsible credit holder. What has your experience been with this?

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Will Johnson asked:


How can I check my credit score without credit card?
I know there r many sites which says that just give credit card # and its free for 10 or 30 days, BUT I don’t have a credit card and I wanna check my credit score immediately.So what r the options?

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Lil asked:


I have $15,000 in credit card debt and I need a loan to help me put my debt together and make only one payment. My credit score is 615. Does anyone know who can help me with this. I don’t want the debt consolidation consultants.
I don’t have any late payment history or other negative input.

Candace W asked:


Married, and have almost 100,000.00 in debt. Thats not including a house payment, total of 113,000.00. Total all together 213,000.00
Its to much for me to handle but we dont wont to loose our good credit score.

Peace Lover asked:


I recently heard on radio about a debt free program. They officially negotiate on your behalf with the credit card companies. What may be the Cons? Is it safe to rely on Debt Settlement Program to free from one’s credit card debts? How may it affect one’s credit score?

bloodycorinne asked:


I am very deep in debt, mostly on one credit card. Should I hire an attorney to negotiate a settlement for me with the bank? If so, how will this affect my credit score?
I care about my credit because I would like to buy a condo within the next year or two.

switchsox asked:


I just got a letter from a debt collection agency, giving me a certain amount of time to pay a bill. Will this negatively affect my credit score?

Marybeth asked:


I just found out my score has dropped from what it was 3 years ago. How did this happen? We pay off all debt every month and in full. The only thing that has changed is that when my wallet was stolen a couple of years ago, someone tried to charge against me, but I stopped it and I have an alert through all the credit companies. No other changes. What explains the drop in my score. I’m upset. Thanks for any explanations.

biggholt81 asked:


I don’t know my credit score, I am just now getting a checking account, and I have only used cash prior, so what score does everybody start out at?

Yesenia M asked:


How much will my credit score increase if I were to pay off 50% of my credit cards within a 2 month time frame? My current credit score is 568 and Im hoping to increase it to 700 Im planning on getting a car by the summer and I want a great credit score…

sarah asked:


I heard on some commercial that a bad credit score can keep you from getting a loan, a car, and a job? How is this possible? Why wouldn’t someone hire you because of your credit score?

amandad asked:


I am currently enrolled in Experian credit monitoring. I signed up to get all 3 scores from TransUnion just to see if there was a difference and there is! My score on the Experian site is 75 points higher than the one TransUnion shows as my Experian score. How can that be?? Shouldn’t they be the same?

farfar8806 asked:


Ive looked through all these forums, but i have not found a complete answer. I HAVE given paypal my social sec.# before, unlike many of the cases i’ve read about. Even though paypal is not a real threat with their fake collection agencies, would they be able to hurt my credit score? If you are not absolutely positive please dont answer this. Thanks
I dont have the card, i just have an account.