Comments on: How To Build Good Credit and Clean Up Bad Credit

By: The Smarter Wallet

The Smarter Wallet — Thu, 19 Apr 2012 04:50:00 +0000

Pay it in full. The faster you do, the faster your credit can be restored.

By: Shane

Shane — Sat, 14 Apr 2012 21:47:54 +0000

I owe $2k and its in collections. I have a job now and i can pay on it. would it be better to just pay it all in full or should i ask for payments? and will it help my credit at all?

By: S. Johnson

S. Johnson — Sun, 11 Mar 2012 13:34:34 +0000

1) How can I gather “all” bills owed, prior to consolidating and or paying them off by way of “settlement” method. My credit report states: 8 negative accounts. I’ve heard people say that for some reason or another bills forgotten show up out of the blue on their credit report, meaning old bills never forwarded to them for payment from a collection agency or the like. You are under the assunption that you have satified your debt of the 8 negative accounts. 2) Is this practice unlawful? 3) How soon and how late is it unlawful for a creditor to report negative account(s) on your credit report?

By: Kevin Mentink

Kevin Mentink — Tue, 31 Jan 2012 19:18:58 +0000

I was wondering how I could get all of my credit cards paid? I love this website.

By: Yvette

Yvette — Sat, 07 Jan 2012 05:27:24 +0000

I have some creditors that I pay regularly and on time that are not reporting my payment history on my credit report. My cell phone company is one of them. What can i do if anything about this. My score is low right now due to a large debt to income ratio mostly, but I need my good pay history to reflect on the credit report too.

By: Rachel D

Rachel D — Wed, 07 Dec 2011 03:46:19 +0000

I just received my credit score and I am in total shock. About 3 years ago I had a score of 615 and I had been late for two months on a credit card and also had a phone payment that no one told me about, I thought it had been paid off then I got a letter in the mail from T-Moblie saying I owed them still 161.00 and it had been turned over to a collector. They never bothered in contacting me. I was able to get some store credit cards like Victoria Secret etc. I paid them on time every month. I have paid everything on time and paid all my cards off and a student loan and I could not believe when I was denied a store card and found out my score was 345!! I have paid everything better in the past 3 years then before my 615 score. I had 2 doctors bills that were from Florida that they kept changing on me that have not been paid and the reason I haven’t paid them is because they just kept telling me I owed them more with no explanations. I have not had a job now for about 7 months and told them that I could not pay what they were asking me to pay. Would this bring my score down that low? I don’t know what to do or how to get my credit back half way decent again. I feel like I am duped and I have no idea why my score is so low. That is just insane. A doctor’s bill should not have made my score so low. I did pay my cards off and canceled them, but would that make it that low? I am so upset this is just crazy! Please help!

By: Carmen E

Carmen E — Tue, 08 Nov 2011 20:44:33 +0000

Its seems like all my life I have had bad credit. I have never had credit cards. The problem is my mom and I have the same name with the exception of our middle initial. I did have two loans that I was not able to pay due to hardship. I do want to clean up my score just to have some good credit. I have looked over my report and many of these credit cards are not mine. How do I take care of this?

By: dan

dan — Thu, 20 Oct 2011 17:13:22 +0000

Well i Just got a judgment on my credit from a payday loan and I was wondering how bad does it affect my credit and if theirs anything I could do to remove it from my credit

By: Yvette

Yvette — Tue, 20 Sep 2011 02:34:46 +0000

I have a credit score of about 530, only thing I’ve ever used my credit on is a cell phone bill that I still owe $600 dollars on since 2005, and I get collection letters in mail still should I still pay that? I can’t seem to build up my credit, the bank and retail stores deny me a credit card, could it be just because of that cell phone bill I can not build my credit? No one would give me a chance! What else can I do to build it up?

By: Fox

Fox — Sun, 11 Sep 2011 02:24:36 +0000

Before, I felt overwhelmed about my financial situation. It is not easy to make the first step after you know you failed, but this article throws some shine and I am willing to change things around by doing the right thing. If I take care of my credit, my credit will take care of me as well. You shouldn’t depend on anything else.