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

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.

By: Lindz

Lindz — Wed, 27 Jul 2011 02:52:15 +0000

When I was 18 I did what most young teenagers did…applied for a credit card. I did really well with making purchases then paying them off. However, the sooner I paid them off the higher credit limit I received and the more stupid I became. It got to where I was getting later and later on the payments and interest was going sky high. I eventually paid the entire balance off and canceled the card. However, now I can’t seem to get anyone to accept my applications so that I can rebuild my credit now that I am older and wiser. All I want is a second chance so to speak. What steps do I need to take to get back on top and into the credit world. PLEASE ANY ADVICE!!

By: needhelp

needhelp — Thu, 07 Jul 2011 21:39:35 +0000

I have tried to apply for secured credit but I don’t get approved. What other options do I have?

By: Jeff

Jeff — Tue, 24 May 2011 16:34:22 +0000

I had a $25,000 loan that I settled with bank for $7,500. Will this still affect my credit now that the bank is satisfied? If so how can I fix this issue?