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Archive for Credit Tips and Advice

How long will it take to improve? All negative info was from 3+ years ago and I disputed all of it through Experian and almost all the negative feedback was deleted! It was only a 30 days late here… 30 days late there…. will my credit score improve right away now that all that negative [...]

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the only bad thing on my credit are two medical bills of about $400 that i have no idea where they came from. but my credit score is still low. what can i do? i was told to leave them alone and not pay them until they clear, but i was also told by another [...]

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He allowed the house to go into foreclosure. Mean while I was paying rent in an apartment. Now my credit score is in to toilet.
We have no further joint accounts and his parents bought the house. I pay my rent on time and car payment on time.

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My husband and I hit hard times and I got behind on my credit cards, it know shows charge offs on my credit report…what does that mean? Should and should I now bother to pay them? How can I know improve my credit score?

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I have been paying my car loan on time every time for the past 2 years and my credit card for the past 6 months and school loans.
But i have a short sale on my credit due to co-signing for my sisters condo in which she was late on the mortage and brought my score [...]

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I have a good payment history with all my credit lines but I have a lot of revolving credit card debt. I plan on paying them all down to less than 25% balances in the next 3 months. My credit score is now in the low 600’s. If you have been in a similar situation [...]

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My credit score is far worse than I thought, and is dropping by the minute. I have a lot of debt, and little to no time to pay it off. I HAVE to buy my house in June and basically have to raise my credit score 75 points before then. I don’t have the [...]

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I have three things new going.
One, I will have 3 collections (which is all of them) paid off but not removed.
I have two credit cards going now, which are the first two credit lines ever opened on my account.
And I have not one but two small $500 dollar loans going designed to help rebuild my [...]

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When I apply for credit, I’m denied. It seems like I’m stuck between a rock and a hard place. I’m afraid to apply for a car loan because I think the interest rate will be too high. I also know that all these inquiries will further reduce my score.

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We have consumed a lot of debt the past couple years b/c I’ve been sick. I am doing thankfully better now, and we are focusing on paying off all of our debt over the next 2 years (we are very realisitic)
How long does it normally take to see an improvement in your credit score?

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