11 Aug

What are the best ways to repair a poor credit rating?

Posted by , under Credit
gds_ny2003 asked:


I’m looking to repair my poor credit rating. I owe 10k+ to various creditors. I’m married, we both have a decent paying jobs. My spouse has credit problems as well. Here are my concerns:
1. Are there any immediate steps that I should take to get started?

2. What is considered a “good” score to have when buying a house?

3. What short term steps (6 months to 1 year period) can I take to bring my rating up to a “moderate” level?

4. What long-term steps can I take to make for the future so that I do not fall back to where I am now?

5. I know that some credit counselling services are predatory in nature, and actually put people into more trouble than they had to begin with. Are there any reputable credit counselling services out there (preferably non-profit)?

Alice

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18 Jul

How can I get my credit rating without having to pay for it?

Posted by , under Credit
Normand V asked:


I just want to know what my score is without having to pay for it. I want to apply for a small personal loan of $3,500.00 and I hear each time you apply it lowers your score. I am in the process of re-building my credit and don’t want to apply if my credit rating is a “C” or below can anybody help me?

Roland
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22 Mar

Warning: Your Credit Rating could be Hazardous to Your Financial Health

Posted by , under Education
tracyirwin8 asked:


Your credit is the single most important factor in determining how much money you can borrow. It is critical in these economic times to protect your score to keep all your financing options available. Learn tips on how your score is determined, as well as how to improve and recession proof your score.

Philip

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