Comments for Credit Repair Solutions http://creditrepaircures.org Find the RIGHT solution for every one of your credit problems! Thu, 23 Feb 2012 08:01:16 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on I am trying to repair my credit. How long do negative items remain on your credit report? by amaya7 http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5822 amaya7 Thu, 23 Feb 2012 08:01:16 +0000 http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5822 about 7 years about 7 years

]]> Comment on My mother is married and is getting a divorce, is she entitled to 50% of property and assets? by B. http://creditrepaircures.org/my-mother-is-married-and-is-getting-a-divorce-is-she-entitled-to-50-of-property-and-assets/#comment-5827 B. Thu, 23 Feb 2012 07:55:00 +0000 http://creditrepaircures.org/my-mother-is-married-and-is-getting-a-divorce-is-she-entitled-to-50-of-property-and-assets/#comment-5827 Only if this is a community property state, she would be entitled to half of the property obtained during the marriage, but that will not include the inheritance unless it is ordered by a judge. She needs to have this fought out in court and she needs an attorney. If she is not comfortable with this attorney, then she should find another. Only if this is a community property state, she would be entitled to half of the property obtained during the marriage, but that will not include the inheritance unless it is ordered by a judge. She needs to have this fought out in court and she needs an attorney. If she is not comfortable with this attorney, then she must find a further.

]]> Comment on My credit card interest rate decreased. Does this mean I improved my credit score? by paperdoll198 http://creditrepaircures.org/my-credit-card-interest-rate-decreased-does-this-mean-i-improved-my-credit-score/#comment-5826 paperdoll198 Thu, 23 Feb 2012 07:35:12 +0000 http://creditrepaircures.org/my-credit-card-interest-rate-decreased-does-this-mean-i-improved-my-credit-score/#comment-5826 I noticed this happen with my credit card recently as well. I think it's a combo of falling interest rates and a better score. If you have had this card for a while, you probably have a good history with it. I noticed this happen with my credit card recently as well. I reckon it’s a combo of diminishing interest rates and a better score. If you have had this card for a while, you probably have a excellent history with it.

]]> Comment on I am trying to repair my credit. How long do negative items remain on your credit report? by spifiman1 http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5821 spifiman1 Thu, 23 Feb 2012 07:23:49 +0000 http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5821 Accounts 7-years. Inquiries 2-years. Bankruptcy 10-years. Tax liens 15-years. Accounts 7-years.
Inquiries 2-years.
Bankruptcy 10-years.
Tax liens 15-years.

]]> Comment on My credit card interest rate decreased. Does this mean I improved my credit score? by Wayne S http://creditrepaircures.org/my-credit-card-interest-rate-decreased-does-this-mean-i-improved-my-credit-score/#comment-5825 Wayne S Thu, 23 Feb 2012 06:42:39 +0000 http://creditrepaircures.org/my-credit-card-interest-rate-decreased-does-this-mean-i-improved-my-credit-score/#comment-5825 Your interest rate is probably tied to the Fed rate. As it goes up or down, so does your rate. Your interest rate is probably tied to the Fed rate. As it goes up or down, so does your rate.

]]> Comment on My credit card interest rate decreased. Does this mean I improved my credit score? by Todd S http://creditrepaircures.org/my-credit-card-interest-rate-decreased-does-this-mean-i-improved-my-credit-score/#comment-5824 Todd S Thu, 23 Feb 2012 06:29:08 +0000 http://creditrepaircures.org/my-credit-card-interest-rate-decreased-does-this-mean-i-improved-my-credit-score/#comment-5824 It's most likely the commercial banks lowering prime rate 2.50% over the last several months and change. Most credit card rates are tied to prime, and that falls when the fed funds rate are lowered. Either way, your interest rate is still way too high if you're carrying a balance. Call the credit card issuer and ask them to lower it if you're currently paying finance charges. It’s most likely the commercial banks lowering prime rate 2.50% over the last several months and change. Most credit card rates are tied to prime, and that falls when the fed funds rate are lowered.

Either way, your interest rate is still way too high if you’re carrying a balance. Call the credit card issuer and question them to lower it if you’re currently paying finance charges.

]]> Comment on I am trying to repair my credit. How long do negative items remain on your credit report? by laurajoy79 http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5820 laurajoy79 Thu, 23 Feb 2012 06:28:09 +0000 http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5820 Seven years. But make sure everything on your credit report is actually yours. Credit Bureaus make mistakes, as do any other business, and there is always the possibility that something on your report is someone else's. It happened to my husband and it took about six months, but we got them taken off. Seven years. But make sure everything on your credit report is really yours. Credit Bureaus make mistakes, as do any other business, and there is always the possibility that a touch on your report is someone else’s. It happened to my husband and it took about six months, but we got them taken off.

]]> Comment on I am trying to repair my credit. How long do negative items remain on your credit report? by My Final Answer http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5819 My Final Answer Thu, 23 Feb 2012 06:20:29 +0000 http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5819 If you pay them off in a consumer credit payback program, the bad ratings usually stay seven years, and are screened by potential credit issuers to see how you paid back the arrears. If you abandoned the owed accounts or are slower to pay off, the bad ratings stay ten years after pay off or are placed on P&L. Different state may have different policies, though. If you pay them off in a consumer credit payback program, the terrible ratings usually stay seven years, and are screened by potential credit issuers to see how you paid back the arrears. If you abandoned the owed accounts or are slower to pay off, the terrible ratings stay ten years after pay off or are placed on P&L. Different state may have different policies, though.

]]> Comment on My credit card interest rate decreased. Does this mean I improved my credit score? by Koki M http://creditrepaircures.org/my-credit-card-interest-rate-decreased-does-this-mean-i-improved-my-credit-score/#comment-5823 Koki M Thu, 23 Feb 2012 06:08:02 +0000 http://creditrepaircures.org/my-credit-card-interest-rate-decreased-does-this-mean-i-improved-my-credit-score/#comment-5823 Interesting case... I heard on Public Radio that the banks and creditors had no obligation of reducing the interests to their customers due to the FED change but some were considering that option... maybe you got lucky here. Rates automatically decreasing (just because you are paying in time) without a phone call? I can tell you this never happened to me:-( Fascinating case… I heard on Public Radio that the banks and creditors had no obligation of reducing the interests to their customers due to the FED change but some were considering that option… maybe you got lucky here.

Rates automatically decreasing (just because you are paying in time) without a buzz call? I can tell you this never happened to me:-(

]]> Comment on I am trying to repair my credit. How long do negative items remain on your credit report? by wolvesnthemist http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5818 wolvesnthemist Thu, 23 Feb 2012 05:34:01 +0000 http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5818 They stay on there until the account is paid off. Once it's paid off, the black mark will stay for about 7 years. If you declare bankruptcy, that will be on your record for 7-10 years. They stay on there until the account is paid off. Once it’s paid off, the black mark will stay for about 7 years. If you declare bankruptcy, that will be on your record for 7-10 years.

]]> Comment on I am trying to repair my credit. How long do negative items remain on your credit report? by REinfo http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5817 REinfo Thu, 23 Feb 2012 05:29:16 +0000 http://creditrepaircures.org/i-am-trying-to-repair-my-credit-how-long-do-negative-items-remain-on-your-credit-report/#comment-5817 It could be there for a long time, try going to the credit company websites and dispute the item only. It could be there for a long time, try going to the credit company websites and dispute the item only.

]]> Comment on Has anyone ever used a credit repair service,do they work.? by Nicki W http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5815 Nicki W Thu, 23 Feb 2012 03:53:13 +0000 http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5815 I used a do-it-yourself kit I accessed online for less than 20 bucks. I got results and a better score plus the satisfaction of knowing I did something for ME. Check out www.creditrepair101site.comm I used a do-it-physically kit I accessed online for less than 20 bucks. I got results and a better score plus the satisfaction of knowing I did a touch for ME. Check out

http://www.creditrepair101site.comm

]]> Comment on Credit Counseling vs. Bankruptcy? by Lesley http://creditrepaircures.org/credit-counseling-vs-bankruptcy/#comment-5816 Lesley Thu, 23 Feb 2012 03:11:01 +0000 http://creditrepaircures.org/credit-counseling-vs-bankruptcy/#comment-5816 If you know you want to file, get the mandatory bankruptcy (mandatory as of 10/16/2005) credit counseling session out of the way. You can find a list of the US Trustee approved providers at the US Trustee website at www.usdoj.gov/ust. It will be on the internet, phone or in person, depending who you choose to go through it with. If you think you'll have questions, you may prefer phone over internet, but you are going to have to do it to do a bankruptcy so go ahead and get it out of the way if you plan to file within 180 days. Also consult a bankruptcy attorney so you can get the ball rolling with the bankruptcy. If you know you want to file, get the mandatory bankruptcy (mandatory as of 10/16/2005) credit counseling session out of the way. You can find a list of the US Trustee approved providers at the US Trustee website at http://www.usdoj.gov/ust. It will be on the internet, buzz or in self, depending who you choose to go through it with. If you reckon you’ll have questions, you may rather buzz over internet, but you are going to have to do it to do a bankruptcy so go ahead and get it out of the way if you plot to file within 180 days. Also consult a bankruptcy attorney so you can get the ball rolling with the bankruptcy.

]]> Comment on Has anyone ever used a credit repair service,do they work.? by Jason http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5814 Jason Thu, 23 Feb 2012 03:02:28 +0000 http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5814 Yeah, I used a <a href="http://creditrepaircures.org/credi28" class="pretty-link-keyword" rel="nofollow" target="_blank">credit repair</a> service and they worked out really well. I would recommend them to anyone because in less than a year my score went way up, and I can now get a credit card if I need one. I'm much smarter with my money and credit now, it totally raised my awareness and knowledge on how to keep my score high. Check them out at http://www.idealhelpnow.com Yeah, I used a credit repair service and they worked out really well. I would recommend them to anyone because in less than a year my score went way up, and I can now get a credit card if I need one. I’m much smarter with my money and credit now, it really raised my awareness and knowledge on how to keep my score high.

Check them out at http://www.idealhelpnow.com

]]> Comment on Has anyone ever used a credit repair service,do they work.? by gazelleintense.com http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5813 gazelleintense.com Thu, 23 Feb 2012 02:31:06 +0000 http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5813 you cant pay someone to repair credit. it's a scam. you cant pay someone to repair credit. it’s a scam.

]]> Comment on Has anyone ever used a credit repair service,do they work.? by timpoli http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5812 timpoli Thu, 23 Feb 2012 02:05:21 +0000 http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5812 a small loan consolidation with low interest is the best . works. I found interesting information about your answer & options here. http://all-debt-consolidation-loan.blogspot.com/2007/07/loan-consolidation.htmlGood luck! a tiny loan consolidation with low interest is the best . facility. I found fascinating information about your answer & options here. http://all-debt-consolidation-loan.blogspot.com/2007/07/loan-consolidation.htmlGood luck!

]]> Comment on Has anyone ever used a credit repair service,do they work.? by SPIFIMAN1 http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5811 SPIFIMAN1 Thu, 23 Feb 2012 01:39:27 +0000 http://creditrepaircures.org/has-anyone-ever-used-a-credit-repair-servicedo-they-work/#comment-5811 <a href="http://creditrepaircures.org/credi28" class="pretty-link-keyword" rel="nofollow" target="_blank">Credit repair</a> is a scam. I quote from the 2007 edition of the consumer Action Handbook " A lot of <a href="http://creditrepaircures.org/credi28" class="pretty-link-keyword" rel="nofollow" target="_blank">credit repair</a> companies advertise that they can erase bad credit for a heft fee. Don't believe them. If the information is accurate, only time, hard work and a personal repayment plan will improve your credit score". Credit repair is a scam.

I quote from the 2007 edition of the consumer Action Handbook ” A lot of credit repair companies advertise that they can erase terrible credit for a heft fee. Don’t believe them. If the information is accurate, only time, hard work and a personal repayment plot will improve your credit score“.

]]> Comment on if i am “CLEANING UP MY PAST CREDIT HISTORY” and have low credit scores can i get a nice apartment? by donfletcheryh http://creditrepaircures.org/if-i-am-cleaning-up-my-past-credit-history-and-have-low-credit-scores-can-i-get-a-nice-apartment/#comment-5810 donfletcheryh Wed, 22 Feb 2012 23:25:21 +0000 http://creditrepaircures.org/if-i-am-cleaning-up-my-past-credit-history-and-have-low-credit-scores-can-i-get-a-nice-apartment/#comment-5810 There are some landlords who do not do credit checks and they may be happy to have a tenant who can offer first and last month's rent. If the rental office is in the hands of an employee who does credit checks and lives by them, that will be a problem. You may have to ask to rent and have a check book visible in your shirt pocket. There are some landlords who do not do credit checks and they may be pleased to have a tenant who can offer first and last month’s rent.

If the rental office is in the hands of an employee who does credit checks and lives by them, that will be a problem. You may have to question to rent and have a check book visible in your shirt pocket.

]]> Comment on if i am “CLEANING UP MY PAST CREDIT HISTORY” and have low credit scores can i get a nice apartment? by xrayness http://creditrepaircures.org/if-i-am-cleaning-up-my-past-credit-history-and-have-low-credit-scores-can-i-get-a-nice-apartment/#comment-5809 xrayness Wed, 22 Feb 2012 23:13:00 +0000 http://creditrepaircures.org/if-i-am-cleaning-up-my-past-credit-history-and-have-low-credit-scores-can-i-get-a-nice-apartment/#comment-5809 Yes. I suggest your offer the landlord a three (3) month deposit. Landlords want to know that they will get their money every month ON TIME. Try to get your employer to write a letter showing that you have a steady income and you are not going to get laid off next week. Yes. I suggest your offer the landlord a three (3) month deposit. Landlords want to know that they will get their money every month ON TIME. Try to get your employer to write a letter showing that you have a steady income and you are not going to get laid off next week.

]]> Comment on I have 2 negatives and 5 positives on my credit report, is this horrible? by Quizzle http://creditrepaircures.org/i-have-2-negatives-and-5-positives-on-my-credit-report-is-this-horrible/#comment-5808 Quizzle Wed, 22 Feb 2012 22:59:21 +0000 http://creditrepaircures.org/i-have-2-negatives-and-5-positives-on-my-credit-report-is-this-horrible/#comment-5808 I don't know about "horrible," but those negatives are certainly not going to help your credit score. And if you never pay off past balances that you owe, it will continue to affect your credit score for many years. Have you considered trying to talk to the company you're having issues with to come up with a solution? If you're patient (and persistent), you may be able to come to some sort of compromise. Or if you have proof that you don't owe them money, you should show it to them so you can resolve the problem and fix your credit report. Any "negative" on your credit report will hurt your credit score. If you pay the balance owed, however, and continue to pay at least the minimum payment for all your bills on time every month, those "positives" will start to help your credit score. And after 7 years, those negative items will drop off your report completely. I don’t know about “horrible,” but those negatives are certainly not going to help your credit score. And if you never pay off past balances that you owe, it will continue to affect your credit score for many years.

Have you considered trying to talk to the company you’re having issues with to come up with a solution? If you’re uncomplaining (and persistent), you may be able to come to some sort of negotiate. Or if you have proof that you don’t owe them money, you must show it to them so you can resolve the problem and fix your credit report.

Any “negative” on your credit report will hurt your credit score. If you pay the balance owed, but, and continue to pay at least the minimum payment for all your bills on time every month, those “positives” will start to help your credit score. And after 7 years, those negative items will drop off your report completely.

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