"Credit Clean Up" Advice Please? related questions

Asked by
"Credit Clean Up" Advice Please?0not planning 2 tell u2012-09-18 01:03:04
My credit is really bad , and my score is somewhere in the 400, about 500 . MedlinePlus MedlinePlus 85% of my claim is for a total of unpaid bills from the hospital about $ 15,000. The rest is an old utility bill ($ 500) , and I owe a bank ($ 300) MedlinePlus MedlinePlus I never had any bankruptcies , foreclosures , credit cards , repossesions , evictions , etc .... MedlinePlus What would you suggest to pay first to get my credit score up ? Some people say that hospital bills are not that important , but it must be important if my credit score is very low and I have nothing "important " on it . MedlinePlus MedlinePlus I've seen other people with credit scores that low , but they had all kinds of credit card and loan debts . That's why I do not understand why mine is so low and never had any of that . MedlinePlus MedlinePlus Anyway , it would be better to pay the bills first Hosptial , or two other small bills ? MedlinePlus MedlinePlus Also, is there anyway to consolidate my hospital bills payment all in one ? They are in the same hospital , but are of different doctors and different departments ?
So i am in the process of trying to clean up my credit and past debts, Need some advice! Thanks in Advance!?0fatma2012-09-09 19:01:02
Ok , I have a lot of debt from my 20 years of age who are showing up on my credit report . Most are actually paid after collections , etc . But still I have three that I have set up arrangements , and 2 that could be removed along with the payment . The total balance of about $ 7,000 , the largest being 3 over $ 5000. 2 of which I am paying through a payment schedule and have become sentences. Which the creditor is willing to withdraw payment in full wants a lump sum payment , obviously. MedlinePlus MedlinePlus So my question is this . Should I consider looking into possibility of getting a loan and use my car as collateral (paid in full) and pay just debts all at once and get a lower payment ? A bank loan basically considers the last two consolidated my debts ? Is it better to pay them off in full instead of showing only the existence as payment ? My girlfriend just recently had his last 2 bad loans that were paid off removed from your report and your score really hurts , is that normal? Thanks for your advice in advance!
Need serious advice! How to clean up credit to get a loan or credit card?2TRISRAN2012-09-07 09:42:17
Hello , my sister and I would start a small business this year . We are in the process of obtaining licenses to a service center . However, we are having trouble raising capital all on our own. So far we have managed to save $ 21,000 MedlinePlus in a business account . We understand that we need much more , about $ 30,000 more in reality according to our business plan . We have bad credit (520) and under. That's the reason I 've been saving and saving . We would like to know if it's a good idea to take our ( savings) and pay all companies owe to see a dramatic change in our credit reports . Have anyone here ever done this before ? You think quickly appear in our reports so he could approach a lender , or get a small business loan online ? We do not know what to do with the money we have saved but absolutely certain that it is not enough for ( initial capital ) . What should we do ? !
What is the best way to clean up your credit?0eep2012-09-30 10:08:02
I'm looking to clean my credit ... like everyone else right now. I have trouble getting approval for anything , even a secured credit card ! My FICO is 619 and I had a credit card sent to collections for $ 300 and a loan of $ 5,000 sent to collections . What is the best way to clean my credit. It can not be approved for a credit card , car loan or even renting an apartment ! MedlinePlus MedlinePlus Please help !
Trying to clean up my credit....?0ALASKA2012-10-07 18:22:53
I have no credit card debt at all, but numerous bills that accumulated as a young man who could not or did not pay . No repos , no liens , student loans , not only invoices . Should I go through a little agency contact companies on my own and go from there ? I have really wanted to consolidate debt in one lump sum , but I do not think that if you have no credit card debt . Any ideas on what I should do ?
How can I clean up my credit fast?0reefa2012-10-15 12:13:27
I join the Air Force, and as a security check to check my credit. First I have to make weight , so I have about 2 months to at least begin to make an effort to start paying on my debts . My problem is that after paying all my current "survival " only bills I have about $ 25 left at the end of the month ! I have god awful credit and no co -signers of a loan . Any suggestions ?
Clean Son's repo car loan out of my credit?2Merlene2012-09-30 20:36:03
They co - signed a car loan for my son . A few times he was late in paying . Then he was late again for two months and the bank repossessed the car . He made the payment and got the car back . And recently he was late again and seized the car again. MedlinePlus MedlinePlus Finally paid the remaining amount and got his car. MedlinePlus MedlinePlus My credit has dropped 820 to 620 because of this problem . Many of my credit card companies closed my account but I have to pay the remaining balances . Never been late on my bill payments . Please advise me what I have to do to clear my mind . What are my options . MedlinePlus MedlinePlus Thank you. MedlinePlus MedlinePlus He is my son ... I love him , but never signed by anyone ever again . MedlinePlus MedlinePlus People do not always co - sign anyone. !
Clean up credit..get higher score?3liv2012-09-24 10:02:02
I made the mistake of getting credit cards when I was 18 ( now 30) . My car is paid and rent i . i have about 8,500 in student loans and am making payments on it. the rest of my det is less than $ 8000. If anyone is in the collection and I'm starting to make the payments, will my credit score go up ? I want to be able to buy a house within a year or two . thanks in advance
I am Canadian, how do I clean up my credit rating.?0Kenned2012-11-02 16:48:02
I was very sick and the payments were late , but they have paid on time for the last year . I just applied for a car loan and was rejected for " bankruptcy" . I've never gone out of business , why would they show on my credit score if you never went bankrupt ? Can decide only bad because payments for a year that went bankrupt ?
I'm 25, have almost $50,000 worth of debt. What can I do to clean up my credit so I can buy a house?1Jiya2012-09-04 10:40:06
I have good credit , never made a late payment and always atleast make my minimum payments , and more . I recently consolidated some credit card debt and the debt of my fiance with a private loan of $ 30,000 we paid together. So I have about $ 20,000 worth of debt consolidated student loan , car loan and some credit cards shopping related household items ( tv , furniture , etc ) that are purchased with 0 % financing or low . All my debt and most of my boyfriend is in my name because his credit was too bad for any loan , etc. So , if everything is in my name , we have no problem making payments every month as there are 2 of paying us . But as we work on getting your credit in line with what one day will be a co -signer of a house , what can we do to get my credit up seeings how I have most of my credit tied for the two of us? I've closed all zero balance credit cards that had opened , but what else I can do? ? Thanks for any advice anyone may have :)
How do i clean out my inquiries on my credit report fast..?1⿴ 亼 said _X Ba 2012-09-03 02:00:04
i recently apply for a car loan , bad car needed a dealer and I apply to about 17 lenders in me lies month.bascially borrow soon .. I will not be accepted . my credit is not so bad .. Can someone please help me on how I can remove all the questions that are holding me back from getting a car loan fast ...
I am surprisingly having to clean up my credit. I have some extra money - what should I pay off first?2Petica2012-10-03 21:19:02
I learned these rules , can anyone verify these MedlinePlus ? MedlinePlus 1) You need a balance of no more than 50 % of your unsecured debt . True ? Does this include paying my mortgage ? My unsecured loans are at interest rates lower than my loan guarantees. MedlinePlus MedlinePlus 2) One should hold no more than 50 % overall balance on credit cards ( versus total credit limit ) . True ? If so , is that , in total or card by card ? That is, if I have 7 credit cards and one with a balance of over 50 % , is it still hurt my FICO score ? MedlinePlus MedlinePlus Thanks for any help you can offer in advance.

Ask New Question  

  • You are not logged in,answer will be Anonymous.Set Nickname | Sign In | Sign Up
  • tags separate by ','
  • Shortcuts:Ctrl+Enter

Latest Questions