Comments for Credit Repair Solutions http://creditrepaircures.org Find the RIGHT solution for every one of your credit problems! Fri, 18 May 2012 09:38:44 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on Q&A: Newly single male with poor credit and negative equity in my mini van. I desperately need to trade it in.? by Nora Cassey http://creditrepaircures.org/qa-newly-single-male-with-poor-credit-and-negative-equity-in-my-mini-van-i-desperately-need-to-trade-it-in/#comment-11917 Nora Cassey Fri, 18 May 2012 09:38:44 +0000 http://creditrepaircures.org/qa-newly-single-male-with-poor-credit-and-negative-equity-in-my-mini-van-i-desperately-need-to-trade-it-in/#comment-11917 Hi my name is Mrs Nora Cassey i am a mother of tree kids i live in united state of America. Two weeks back i was in search of who will lend me $ 125,000USD. i came across a lady called Mrs Jennifer Jefferson who directed me to a private lender Mr Peter White. first i thought it was a scam then i decided to give it a try after i have been scam twice before. As God Neva fails Mr Peter White loan me the sum of $ 125,000USD was very happy it was like a dream i would want you to contact him now. tell him Mrs Nora Cassey whom he help with a loan two weeks a go directed you here is his e-mail: peterwhite32@yahoo.com I would advice you to comply with him because there are some process which you would fellow before you can get the loan... GOOD LUCK TO YOU Hi
my name is Mrs Nora Cassey i am a mother of tree kids i live in united state of America. Two weeks back i was in search of who will lend me $ 125,000USD. i came across a lady called Mrs Jennifer Jefferson who directed me to a private lender Mr Peter White. first i thought it was a scam then i chose to give it a try after i have been scam twice before. As God Neva fails Mr Peter White loan me the sum of $ 125,000USD was very pleased it was like a dream i would want you to contact him now. tell him Mrs Nora Cassey whom he help with a loan two weeks a go directed you here is his e-mail: peterwhite32@yahoo.com

I would advice you to comply with him because there are some process which you would fellow before you can get the loan…

GOOD LUCK TO YOU

]]> Comment on Q&A: Newly single male with poor credit and negative equity in my mini van. I desperately need to trade it in.? by wow http://creditrepaircures.org/qa-newly-single-male-with-poor-credit-and-negative-equity-in-my-mini-van-i-desperately-need-to-trade-it-in/#comment-11916 wow Fri, 18 May 2012 09:17:00 +0000 http://creditrepaircures.org/qa-newly-single-male-with-poor-credit-and-negative-equity-in-my-mini-van-i-desperately-need-to-trade-it-in/#comment-11916 Don't trade it in or you'll be even worse off. Look at the low blue book value online and at your loan amount. Somehow or someway save the difference in cash (sell personal items or work overtime, etc...) Then, Sell the van privately for the low blue book value (and post that on the van itself to advertise that you're honest about it) and use the money you sell it for and your saved money to pay off the loan. Most importantly, don't get yourself in this mess again. So, shop around for a used 2-3 yrs. old vehicle that has already depreciated. Don't be afraid to buy privately, just inspect each car thoroughly and research it online first. If your credit is poor and you can't get a loan on a newer-used car maybe you can get by with a beater-car($ 300 or so) until your credit looks better. I'm not sure how long it will take for your car pay-off to show up on your credit report, but when it does you will qualify for a bigger loan. Don’t trade it in or you’ll be even worse off. Look at the low blue book value online and at your loan amount. Somehow or someway save the difference in cash (sell personal items or work overtime, etc…) Then, Sell the van privately for the low blue book value (and post that on the van itself to advertise that you’re honest about it) and use the money you sell it for and your saved money to pay off the loan.

Most importantly, don’t get physically in this mess again. So, shop around for a used 2-3 yrs. ancient vehicle that has already depreciated. Don’t be frightened to buy privately, just inspect each car thoroughly and research it online first. If your credit is poor and you can’t get a loan on a newer-used car maybe you can get by with a beater-car($ 300 or so) until your credit looks better. I’m not sure how long it will take for your car pay-off to show up on your credit report, but when it does you will qualify for a larger loan.

]]> Comment on does any know where i can look at my credit score free? by Smilinez http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11910 Smilinez Fri, 18 May 2012 09:08:49 +0000 http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11910 www.annualcreditreport.com is the the site the gov required the Credit Bureaus to set up. If you haven't gotten you free annual credit report go to that site. It will take you to each site for your free report. You have to pay for your scores if you want them but the reports are free. http://www.annualcreditreport.com is the the site the gov required the Credit Bureaus to set up. If you haven’t gotten you free annual credit report go to that site. It will take you to each site for your free report. You have to pay for your scores if you want them but the reports are free.

]]> Comment on does any know where i can look at my credit score free? by YSIC http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11909 YSIC Fri, 18 May 2012 08:48:30 +0000 http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11909 No, unfortunately you have to pay for your credit scores. No, unfortunately you have to pay for your credit scores.

]]> Comment on Q&A: Newly single male with poor credit and negative equity in my mini van. I desperately need to trade it in.? by runner http://creditrepaircures.org/qa-newly-single-male-with-poor-credit-and-negative-equity-in-my-mini-van-i-desperately-need-to-trade-it-in/#comment-11915 runner Fri, 18 May 2012 08:38:00 +0000 http://creditrepaircures.org/qa-newly-single-male-with-poor-credit-and-negative-equity-in-my-mini-van-i-desperately-need-to-trade-it-in/#comment-11915 Try to talk to you ex see if she will take the mini-van? Having Poor Credit and upside down on a vehicle is going to be impossible to get a trade in. Dealers aren't going to deal with you since you have negative equity and bad credit. You can rebuild your credit by reducing your overall debit (i.e. pay off your debits); pay your bills on time; have several accounts in good standing with less than 50% of available credit used. Rebuilding your credit takes years though. I have been paying my bills ontime and working on my credit for 5 years now and I have only gone from Poor to the upper part of Fair not quite to good yet. Options: 1) save up for a used car (I know very hard to do with the economy right now) 2) Talk to friends or family see if they can loan you the money for a used car 3) Stop paying on your mini van and have them repossess it. Then you get right of it, it will mess up your credit but, hey it's already poor. Good luck. Try to talk to you ex see if she will take the mini-van? Having Poor Credit and upside down on a vehicle is going to be impossible to get a trade in. Dealers aren’t going to deal with you since you have negative equity and terrible credit. You can rebuild your credit by reducing your overall debit (i.e. pay off your debits); pay your bills on time; have several accounts in excellent standing with less than 50% of available credit used. Rebuilding your credit takes years though. I have been paying my bills ontime and working on my credit for 5 years now and I have only gone from Poor to the upper part of Honest not reasonably to excellent yet.

Options: 1) save up for a used car (I know very hard to do with the economy right now)
2) Talk to friends or family see if they can loan you the money for a used car
3) Stop paying on your mini van and have them repossess it. Then you get right of it, it will mess up your credit but, hey it’s already poor.

Excellent luck.

]]> Comment on does any know where i can look at my credit score free? by Young and Famous http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11908 Young and Famous Fri, 18 May 2012 08:23:03 +0000 http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11908 You go to http://www.freecreditreport.com and you can also go to http://www.annualcreditreport.com to get your free credit score! You go to http://www.freecreditreport.com
and you can also go to http://www.annualcreditreport.com

to get your free credit score!

]]> Comment on How can I find out my credit score/Fico Score? by StephenWeinstein http://creditrepaircures.org/how-can-i-find-out-my-credit-scorefico-score/#comment-11914 StephenWeinstein Fri, 18 May 2012 08:06:59 +0000 http://creditrepaircures.org/how-can-i-find-out-my-credit-scorefico-score/#comment-11914 You have to pay extra for it. It is not included. You have to pay extra for it. It is not included.

]]> Comment on does any know where i can look at my credit score free? by voodoo http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11907 voodoo Fri, 18 May 2012 08:02:45 +0000 http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11907 Don't do it. Its a scam. Credit reporting companies are not the same as the Credit Bureaus themselves. The 3 bureaus are: TransUnion Equifax Experian They calculate your score. The companies that run credit retrieve the scores from the bureaus on your behalf, and 2 different companies will vary in the results on the same day. You respond to a credit reporting company that sells your name and number on a call database. Whenever you have your credit pulled you get a million calls regardless... but I think the best way to keep tabs on your credit is to call Experian directly and just pay for it. Don’t do it. Its a scam.

Credit reporting companies are not the same as the Credit Bureaus themselves.

The 3 bureaus are:
TransUnion
Equifax
Experian

They calculate your score. The companies that run credit retrieve the scores from the bureaus on your behalf, and 2 different companies will vary in the results on the same day.

You respond to a credit reporting company that sells your name and number on a call database.

When you have your credit pulled you get a million calls regardless… but I reckon the best way to keep tabs on your credit is to call Experian directly and just pay for it.

]]> Comment on How can I find out my credit score/Fico Score? by Credit Trauma http://creditrepaircures.org/how-can-i-find-out-my-credit-scorefico-score/#comment-11913 Credit Trauma Fri, 18 May 2012 07:59:51 +0000 http://creditrepaircures.org/how-can-i-find-out-my-credit-scorefico-score/#comment-11913 No, you didn't miss anything. I'm assuming you got your free credit reports from the three major bureaus by going to www.AnnualCreditReport.com. While it's nice to get your reports, unfortunately it doesn't come with free scores.....you have to pay for them. If you do it while you're in there, they're pretty reasonable. You can try to get back in and see if you can purchase them for less through www.AnnualCreditReport.com. If you can't, then heres a link to get them as well: http://www.credittrauma.com/bad-credit-credit-offers/credit-reports-scores/ No, you didn’t miss anything. I’m assuming you got your free credit reports from the three major bureaus by going to http://www.AnnualCreditReport.com. While it’s nice to get your reports, unfortunately it doesn’t come with free scores…..you have to pay for them. If you do it while you’re in there, they’re pretty reasonable. You can try to get back in and see if you can hold them for less through http://www.AnnualCreditReport.com.

If you can’t, then heres a link to get them as well: http://www.credittrauma.com/terrible-credit-credit-offers/credit-reports-scores/

]]> Comment on How can I find out my credit score/Fico Score? by Millie http://creditrepaircures.org/how-can-i-find-out-my-credit-scorefico-score/#comment-11912 Millie Fri, 18 May 2012 07:51:06 +0000 http://creditrepaircures.org/how-can-i-find-out-my-credit-scorefico-score/#comment-11912 Go to annualreport.com or close and you can get a free credit report from all three reporting agencies once a year. Go to annualreport.com or close and you can get a free credit report from all three reporting agencies once a year.

]]> Comment on does any know where i can look at my credit score free? by John R http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11906 John R Fri, 18 May 2012 07:31:03 +0000 http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11906 There is a way.... Just write the Credit Reporting Agencies and ask for your once yearly free Credit Report. Another way is to apply for any type of credit that you won't qualify for. When you get the rejection slip mail a copy of it to all the Credit Agencies and ask for your free credit report. You can get one that way. There is a way…. Just write the Credit Reporting Agencies and question for your once yearly free Credit Report. A further way is to apply for any type of credit that you won’t qualify for. When you get the rejection slip mail a copy of it to all the Credit Agencies and question for your free credit report. You can get one that way.

]]> Comment on How can I find out my credit score/Fico Score? by SPIFIMAN1 http://creditrepaircures.org/how-can-i-find-out-my-credit-scorefico-score/#comment-11911 SPIFIMAN1 Fri, 18 May 2012 07:17:12 +0000 http://creditrepaircures.org/how-can-i-find-out-my-credit-scorefico-score/#comment-11911 Scores must be paid for. Go to either myfico.com or Equifax.com if you want a true F.I.C.O. score. I think they cost around $ 8.00. Scores must be paid for.

Go to either myfico.com or Equifax.com if you want a right F.I.C.O. score. I reckon they cost around $ 8.00.

]]> Comment on does any know where i can look at my credit score free? by Joshua http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11905 Joshua Fri, 18 May 2012 06:56:09 +0000 http://creditrepaircures.org/does-any-know-where-i-can-look-at-my-credit-score-free/#comment-11905 https://www.annualcreditreport.com You can review your credit report from each of the three credit reporting agencies. https://www.annualcreditreport.com

You can review your credit report from each of the three credit reporting agencies.

]]> Comment on Checking credit score Hurts my credit? by Mama McD http://creditrepaircures.org/checking-credit-score-hurts-my-credit/#comment-11904 Mama McD Fri, 18 May 2012 05:23:27 +0000 http://creditrepaircures.org/checking-credit-score-hurts-my-credit/#comment-11904 It doesn't hurt your score if you check your credit. That's only when you're applying and someone pulls it. You can got to freecreditreport.com to pull your credit report from the 3 agencies and myfico.com to get your fico score. It doesn’t hurt your score if you check your credit. That’s only when you’re applying and someone pulls it. You can got to freecreditreport.com to pull your credit report from the 3 agencies and myfico.com to get your fico score.

]]> Comment on Upon Marriage – What Takes Place Financially? Credit Worries..? by Judy http://creditrepaircures.org/upon-marriage-what-takes-place-financially-credit-worries/#comment-11903 Judy Fri, 18 May 2012 04:51:06 +0000 http://creditrepaircures.org/upon-marriage-what-takes-place-financially-credit-worries/#comment-11903 Whatever you do, do not let your future husband buy a house before marriage in his name only. In cas of divorce 10 years down the road you will have NO rights to this home since it was a prior investment before marriage. In divorce you can not go after previous property. Including pre marriage 401K's and IRA's. That's why you see wealthy people buying prperties before marriage - to lock up money. / Whatever you do, do not let your future husband buy a house before marriage in his name only.
In cas of divorce 10 years down the road you will have NO rights to this home since it was a prior investment before marriage.
In divorce you can not go after previous property. Including pre marriage 401K’s and IRA’s. That’s why you see wealthy people buying prperties before marriage – to lock up money.
/

]]> Comment on Upon Marriage – What Takes Place Financially? Credit Worries..? by Maggie G http://creditrepaircures.org/upon-marriage-what-takes-place-financially-credit-worries/#comment-11902 Maggie G Fri, 18 May 2012 04:10:57 +0000 http://creditrepaircures.org/upon-marriage-what-takes-place-financially-credit-worries/#comment-11902 First of all, when you get married your score will not plummet. It will remain the same. Your scores will not combine. However, if you go to buy a house, the mortage people will look at both sets of scores. Now, if you can afford to get the mortgage on your salary alone, her credit score will not matter. Before you buy, you should save up a 20% downpayment and work on increasing your score to 720 or so for better financing terms. 650 is considered on the low side of fair. If you will be financing together, once you are married, work on raising her score. First of all, when you get married your score will not plummet. It will remain the same. Your scores will not combine.

But, if you go to buy a house, the mortage people will look at both sets of scores. Now, if you can afford to get the mortgage on your salary alone, her credit score will not matter. Before you buy, you must save up a 20% downpayment and work on increasing your score to 720 or so for better financing terms. 650 is considered on the low side of honest.

If you will be financing together, once you are married, work on raising her score.

]]> Comment on why do credit card company’s charge higher interest rates for people with bad credit score? by WaCa http://creditrepaircures.org/why-do-credit-card-companys-charge-higher-interest-rates-for-people-with-bad-credit-score/#comment-11901 WaCa Fri, 18 May 2012 04:07:53 +0000 http://creditrepaircures.org/why-do-credit-card-companys-charge-higher-interest-rates-for-people-with-bad-credit-score/#comment-11901 Perceived Risk, Why?, because your debt balance to limit ratio. Lenders or anyone looking at your credit history (employers, landlords, Obama) like to see low ratios. They believe it translate to less risk in terms of you walking away from your debts. Eg if you owed $ 50 on a card with a $ 100 limit your DBTL ratio would be 50% COMPARED to you owing that same $ 50 on a card with a $ 200 limit your DBTL ration would then be 25%. They figure if they can get interest up front prior to the individual walking away. Unfortunately eventually it all trickles down. We all end up paying for those that walk away. Aka the Real Estate bubble. People bought more house than they really could afford walked away & those whom were responsible end up paying in the end... Knowing where you stand from the standpoint of lenders is key A FREE credit score aka the FICO Score from the Big 3 Credit Reporting Agencies (Equifax, Transunion & Experian) does not exist. There are numerous sites link from banks & or credit card companies which have "estimator" nevertheless they don't offer a specific score but rather a range. HOWEVER by law you are entitled to a free credit report from each of the Big 3 Credit Reporting Agencies once a year by going to: https://www.annualcreditreport.com/cra/index.jsp. I personally use this once every trimester to make certain that the credit cards, mortgages etc they have listed are in fact those I have opened. Basically it is your way of doing your own credit monitoring without having to sign up to some program at $ 19.95+ a month. For more info on what makes up your credit score, whom has access to it, what is or is not a good score Please try: http://www.putjahmosthigh.com/CREDITSCORE.htm Perceived Risk, Why?, because your debt balance to limit ratio. Lenders or anyone looking at your credit history (employers, landlords, Obama) like to see low ratios. They believe it translate to less risk in terms of you walking away from your debts. Eg if you owed $ 50 on a card with a $ 100 limit your DBTL ratio would be 50% COMPARED to you owing that same $ 50 on a card with a $ 200 limit your DBTL ration would then be 25%. They figure if they can get interest up adjoin prior to the individual walking away. Unfortunately eventually it all trickles down. We all end up paying for those that walk away. Aka the Real Estate bubble. People bought more house than they really could afford walked away & those whom were reliable end up paying in the end…

Knowing where you stand from the standpoint of lenders is key

A FREE credit score aka the FICO Score from the Huge 3 Credit Reporting Agencies (Equifax, Transunion & Experian) does not

exist. There are numerous sites link from banks & or credit card companies which have “estimator” nevertheless they don’t

offer a specific score but rather a range.

HOWEVER by law you are entitled to a free credit report from each of the Huge 3 Credit Reporting Agencies once a year by

going to: https://www.annualcreditreport.com/cra/index.jsp. I personally use this once every trimester to make certain that

the credit cards, mortgages etc they have listed are in fact those I have opened. Basically it is your way of doing your own

credit monitoring without having to sign up to some program at $ 19.95+ a month.

For more info on what makes up your credit score, whom has access to it, what is or is not a excellent score Please try:

http://www.putjahmosthigh.com/CREDITSCORE.htm

]]> Comment on why do credit card company’s charge higher interest rates for people with bad credit score? by Moneysmartguides.com http://creditrepaircures.org/why-do-credit-card-companys-charge-higher-interest-rates-for-people-with-bad-credit-score/#comment-11900 Moneysmartguides.com Fri, 18 May 2012 03:24:19 +0000 http://creditrepaircures.org/why-do-credit-card-companys-charge-higher-interest-rates-for-people-with-bad-credit-score/#comment-11900 As was previously mentioned, the credit card companies charge different rates for borrows based on the "riskiness" of getting paid back. The greater the risk of not getting paid back, the higher the interest rate. Same goes for car insurance premiums. The safer the driver, the lower the premiums you pay. Also, with the new CARD Act that was signed into law, the credit card companies can only raise your interest rate if your promotional period ends, you have a variable rate card, or if you make a late payment. Any other changes to your account terms and conditions must be made in writing and allow you to opt out. And lastly, if you pay your credit card on time and the credit card company raises your rate, simply call them and ask to have it lowered. I have done it countless times. I call and ask if they have a better rate they can offer me. They put me on hold for a moment then offer me a lower rate, usually 5-8% less than what it was. If they balk, stand firm and tell them you are a good customer and pay on time. It's cheaper for them to keep a customer than to find a new one. As was previously mentioned, the credit card companies charge different rates for borrows based on the “riskiness” of getting paid back. The greater the risk of not getting paid back, the higher the interest rate. Same goes for car insurance premiums. The safer the driver, the lower the premiums you pay.

Also, with the new CARD Act that was signed into law, the credit card companies can only raise your interest rate if your promotional period ends, you have a variable rate card, or if you make a late payment. Any other changes to your account terms and conditions must be made in writing and allow you to opt out.

And finally, if you pay your credit card on time and the credit card company raises your rate, simply call them and question to have it lowered. I have done it countless times. I call and question if they have a better rate they can offer me. They place me on hold for a moment then offer me a lower rate, usually 5-8% less than what it was. If they balk, stand firm and tell them you are a excellent customer and pay on time. It’s cheaper for them to keep a customer than to find a new one.

]]> Comment on How to improve bad credit score? by aleish http://creditrepaircures.org/how-to-improve-bad-credit-score/#comment-11898 aleish Fri, 18 May 2012 03:00:07 +0000 http://creditrepaircures.org/how-to-improve-bad-credit-score/#comment-11898 Very simple answer is to pay your bills on time. Check this resources, http://www.squidoo.com/improvecreditscore this might help you Very simple answer is to pay your bills on time.
Check this assets, http://www.squidoo.com/improvecreditscore this force help you

]]> Comment on How to improve bad credit score? by Jenna H http://creditrepaircures.org/how-to-improve-bad-credit-score/#comment-11897 Jenna H Fri, 18 May 2012 02:22:22 +0000 http://creditrepaircures.org/how-to-improve-bad-credit-score/#comment-11897 I had the same problem, I have applied online here http://www.financeconsultant.org/creditrepair.html and within couple of days they solved my credit score problems. I had the same problem, I have applied online here http://www.financeconsultant.org/creditrepair.html and within couple of days they solved my credit score problems.

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