Archive for September 2009

Why Checking Your Credit Score is Your #1 Defense Against Fraud

Tom Conrad asked: Most Americans have errors and other unverifiable notices on their credit reports that can be bringing down their over-all credit score. There’s a very good chance that even YOUR credit score is lower than it SHOULD be! Sadly though, there is a good chance that you will be like most of the [...]

Can you please let me know how to fix my credit and buy a house?

Lulu asked: I currently owe 38,300 in debt. My credit score is bad. I am thinking of declaring bankruptcy is it worth it? After I do that can I buy a house? How long would it take me buy a house after declaring bankruptcy? If I decide not to declare bankruptcy is it better to [...]

Credit Score questions and answers

creditfaq asked: Credit Score = 610 next to Secure Credit Card!?About a year ago, my credit score be somewhere 500-600. So I decided to carry a secure credit card to tilt my credit score. I ‘ve have this card for about a year in a minute, and then fixed to apply for a non-secure credit [...]

Fix Credit Report Errors

Ryan asked: Unfortunately, chances are there are errors on your credit report that are significant enough to hurt your credit in a way that would not allow you to get a favorable loan. That means your inaccurate credit score could cost you the ability to get an auto loan, rent an apartment, or even get [...]