Bad Credit Debt Counselling

jenna asked:


Is there any way possible to get a totally free credit report online with no strings attached? How can I get a truly free credit report online? I don’t want to have to sign up for anything, or use my credit card online. Thanks!

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horsefeathers23 asked:


I’ve owned it since 2003 and it doesn’t apear on my credit report. I’ve contacted the three credit agencies and they said it was up to the loan servicing corp. or the lender to report it. Neither the loan servicing corporation or lender will report it. I’ve made all payments on time and don’t get any credit for it but if I were to miss payments I bet they would report it asap.

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JC asked:


I have heard this is a good way to remove a BK. See below. Has anyone tried this?

Unlike other negative information which stays on your credit report for 7 years, bankruptcy can be reported for up to 10 years.

Bankruptcy courts keep cases active for a period of two years before placing them on microfiche.

If your Chapter 7 bankruptcy has aged at least 27 months since the date of discharge, your in a great position to make it disappear forever, simply file disputes with the credit bureaus indicating that your bankruptcy was a Chapter 13 and not a Chapter 7.

You need not provide any documentation to support your dispute, the burden of proof is on the government.

Bankruptcy courts do not respond to requests for verification on cases which has been archived to microfiche, as a result the credit bureaus are required to remove the bankruptcy from your credit report.

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Nora asked:


I’m just wondering if anyone has married someone with bad credit problems.
Well for all of you who are giving me hard time. I am just wondering if I should wait a bit longer to marry the guy. Since I have been with him he has had several credit problems and has had creditors calling him. I know that he is trying to work up his credit score now but he just does not manage his money well at all. I have an excelet credit score of 768 and I was just wondering if I should wait for him to get himself together.

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Daymon N asked:


I have some old key Derogatory reports in my credit report. Is there any way to pay these off to increase my credit score? Someone told me if you pay them off, it will still show negative on your credit report. What is the best course of action? I have under $5,000 in negatives on my credit report, and now I have a good job paying good money.

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melbaslittletreasures asked:


I am trying to fix up my homes and I have bad credit due to past problems. I would like to pay off all of my old debts to clear my credit and I would like to know where I could go to apply for a loan of at least $15,000?

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