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Virginia asked:


I have a credit score in the mid 600s, but have been denied credit because of too many auto credit inquiries. How long will they stay on my credit report?

Thanks!

Brett Nocks

cmw99us asked:


Back in 1997, I ran into some financial trouble and took out a loan for the balance on a mobile home I once owned. I defaulted on the loan that year, but it is still on my credit report. I wrote letters to the bank and to the credit reporting agencies, and this is still on my credit report. This is the only bad credit/delinquency I’ve ever had. I would appreciate any suggestions.

Lori

G-M-B-A asked:


Correct me if I’m wrong but when you “pay for deletion” you are paying for any record of the debt to be 100% removed from the report that a potential creditor would see (like when you buy a car or credit card) .

–BUT the debt is never actually deleted from the credit report that you and the CRA have access to.

So, there are actually 2 forms of credit report: one that potential creditors see, and one which only you and the CRA see.

Is this correct??

I am asking because in previous answers to my “pay for deletion” questions, alot of people are saying that debts are never 100% deleted from credit reports.
So that makes me wonder what the phrase “pay for deletion” means exactly?
Thanks!

Bruno Rampa

kc’s girl asked:


what are some ways to make your credit score to go up?
I have mostly hospital bills on my report, I do have some other things on there too just five.
also when they get paid off how long does it take for the company to remove it off your credit report?
is there something out there that can consolidate your credit report, pay it off and you pay them monthly?
All this credit stuff is confusing%%%%%

Mohammad Montreuil

jammie klaus asked:


I have just paid off one credit card and a substantial amount on another credit card. If I were to apply for a loan with someone and they were to check my credit report, how long after the time that I have paid off my credit card, can I expect it to show on my credit report, so that they people checking my credit report, would see the current balance of my CC’s?

Charles Yochim

CreditRepairExpert asked:

Repair your credit bureau credit report and credit score. Credit repair begins with disputing inaccurate accounts on your credit report. Credit Justice Services 75 day credit makeover helps typical clients increase score by 50 – 100 points.

Lashunda Casement

derekc214 asked:

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Irvin Sins

CreditSecretsBible asked:

Free report at: www.CSBCards.com – (*24hr Recorded Message (775) 473-9014*) CREDIT REPAIR: info from the credit secrets bible Rebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast! What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”… While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better. Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this. One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22. How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on. Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors: 1.) The “High Credit Limit” and 2.) Your “Debt to Credit” Ratio Your high credit …

Arianna Stepleton

CHRISTismyROCK83 asked:

Tim Hawkins puts his own twist to the FreeCreditReport.com song.

Carry Tellinghuisen

bigcouchpotato asked:

The singing pirates are back, and forced to drive a real junker due to bad credit. If he would have used freecreditreport.com then he would have known his credit was bad and wouldn’t have been so disappointed at the dealership.

Ben Rentas