CreditRepairFree.Org » Credit Report http://creditrepairfree.org Credit Repair Information Mon, 15 Aug 2011 13:45:10 +0000 en hourly 1 http://wordpress.org/?v=3.1.1 What matters more your credit score or the contents of your credit report? http://creditrepairfree.org/credit-help/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/ http://creditrepairfree.org/credit-help/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/#comments Sat, 19 Mar 2011 03:53:06 +0000 http://creditrepairfree.org/685/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/ If I have a good credit score but still have unpaid collection accounts on my credit report will lenders expect me to pay those before they would give me a mortgage? Or if my credit score is high does that mean they won’t really care about much else?

]]> http://creditrepairfree.org/credit-help/what-matters-more-your-credit-score-or-the-contents-of-your-credit-report/feed/ 5 How long does it take for credit to recover from collections? http://creditrepairfree.org/credit-help/how-long-does-it-take-for-credit-to-recover-from-collections/ http://creditrepairfree.org/credit-help/how-long-does-it-take-for-credit-to-recover-from-collections/#comments Fri, 04 Mar 2011 20:41:09 +0000 I checked my credit report, and was suprised to see that I have a .00 account in collections. The account was set up in August and I have yet to hear from any collection agency. I was shocked, as I paid this bill on the day of service and again a few months later. I never heard anything from them again, via paper bill or phone call after I paid, so I assumed the account was taken care of. Now its in collections, and my credit is down to "fair" and in the 600s’!! I’m trying to despute this whole thing and possibly pay the .00, once again to try at least get the account closed. If I can’t prove that I paid and it stays on my record, how long will it take for my credit to go back up to above 700? I have good credit habits otherwise, and I have 11 accounts with a perfect payment history according to the report. I was planning on buying a house in about 5 years, and want to be able to get the rate I deserve with my otherwise perfect credit history.
This account is for a doctors office visit, in which I paid cash for, but they have no record of my payment.

My 11 accounts are student loans, many of which have less than ,000.
Spending more than my income is not the problem here! It’s pure clerical error. I live on 50% of my take-home pay. The remaining goes toward student loans. I put myself through college, and that debt was necessary and an investment in my future.


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    ]]>     http://creditrepairfree.org/credit-help/how-long-does-it-take-for-credit-to-recover-from-collections/feed/ 4     Help! How to get a credit report without a credit card!? http://creditrepairfree.org/credit-help/help-how-to-get-a-credit-report-without-a-credit-card/ http://creditrepairfree.org/credit-help/help-how-to-get-a-credit-report-without-a-credit-card/#comments Sat, 18 Dec 2010 02:30:24 +0000 I need to have a credit report as part of a background check for a job; thing is, I had to close all of my credit cards due to health reasons and not being able to pay them. I have tried all over the internet, but everywhere requires you to have a credit card! How will I get this done? Thanks for your help!
    This is for the California Dept. Of Corrections and Rehabilitation (to be a corrections officer) totally legit, but thanks for the heads up!


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    ]]>     http://creditrepairfree.org/credit-help/help-how-to-get-a-credit-report-without-a-credit-card/feed/ 5     How do I rebuild my credit without having ever had any credit cards? http://creditrepairfree.org/credit-help/how-do-i-rebuild-my-credit-without-having-ever-had-any-credit-cards/ http://creditrepairfree.org/credit-help/how-do-i-rebuild-my-credit-without-having-ever-had-any-credit-cards/#comments Wed, 08 Sep 2010 21:47:43 +0000 I have never had a credit card, but I have a few small bills in collections from when I was in college. They are old utilities bills, together totalling no more than 0. I haven’t been able to access my credit report online due to many address changes, but how bad can I expect my credit to be? How can I rebuild it now? I know debts in collections stay on your credit for 7 1/2 years whether you pay them or not. Help!


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    ]]>     http://creditrepairfree.org/credit-help/how-do-i-rebuild-my-credit-without-having-ever-had-any-credit-cards/feed/ 6     How do I get a credit report with out a credit card or checking account? http://creditrepairfree.org/credit-help/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/ http://creditrepairfree.org/credit-help/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/#comments Fri, 03 Sep 2010 21:46:07 +0000 I spent some time in jail and my credit card expired. Currently I have no checking account or active credit card. How do I get a credit report? All the sites I have seen require a valid active credit card.


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    ]]>     http://creditrepairfree.org/credit-help/how-do-i-get-a-credit-report-with-out-a-credit-card-or-checking-account/feed/ 5     What can one do to improve credit rating after having low credit score? http://creditrepairfree.org/credit-help/what-can-one-do-to-improve-credit-rating-after-having-low-credit-score/ http://creditrepairfree.org/credit-help/what-can-one-do-to-improve-credit-rating-after-having-low-credit-score/#comments Sun, 29 Aug 2010 21:51:34 +0000 Its very difficult obtaining a good fair credit card with high amounts on them. I currently only have a 300 limit. Will a secure credit card help to increase the credit score? Any advice. I’m also not sure if I should pay off the credit cards that expire within the next couple of years from the credit report.


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    ]]>     http://creditrepairfree.org/credit-help/what-can-one-do-to-improve-credit-rating-after-having-low-credit-score/feed/ 3     How do I close empty credit card accounts? http://creditrepairfree.org/credit-help/how-do-i-close-empty-credit-card-accounts/ http://creditrepairfree.org/credit-help/how-do-i-close-empty-credit-card-accounts/#comments Mon, 09 Aug 2010 00:13:56 +0000 I have recently checked my credit report and I realized I had several credit card accounts which were unused for several years running with a zero balance for some time.

    I would like to close them to resolve my accounts and improve my overall credit.

    I have to admit that some of the credit companies are quite odd (not cititbank or MBNA) but smaller credit houses from obscure stores I once purchased something to earn the 10% off etc.

    How do I go about contacting the credit card companies to close these empty accounts?


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    ]]>     http://creditrepairfree.org/credit-help/how-do-i-close-empty-credit-card-accounts/feed/ 7     How can I get my credit build up if no one will give me a credit card to begin with? http://creditrepairfree.org/credit-help/how-can-i-get-my-credit-build-up-if-no-one-will-give-me-a-credit-card-to-begin-with/ http://creditrepairfree.org/credit-help/how-can-i-get-my-credit-build-up-if-no-one-will-give-me-a-credit-card-to-begin-with/#comments Sat, 07 Aug 2010 02:38:39 +0000 How can I get my credit build up if no one will give me a credit card to begin with? I have never had a credit card, I bought a home and I have been paying mortgage on time. Will that help my credit? I do have doctor bills on my credit report, any ideas as to how I can get rid of them without costing me a arm and leg.


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    ]]>     http://creditrepairfree.org/credit-help/how-can-i-get-my-credit-build-up-if-no-one-will-give-me-a-credit-card-to-begin-with/feed/ 9     Debt Reduction Help http://creditrepairfree.org/credit-help/debt-reduction-help/ http://creditrepairfree.org/credit-help/debt-reduction-help/#comments Sat, 31 Jul 2010 01:48:49 +0000

    www.debtconsolidationcare.rbgwiki.com Contact our experts for free. Debt Reduction help. Debt help – How to get rid of debt and reorganize your finances If you have racked up a lot of bills and you wish to get your finances back in order, you may either go for free debt help or take professional guidance in paying off your bills. A counseling session with a debt help online company will enable you to find the best way to repay your dues and restore your finances. Depending upon the type of bills you owe, debt help online companies may offer you any of the relief programs explained below. Debt reduction help strategies: * Credit card consolidation: This is a debt help program which enables you to get rid of credit card bills that have gone out of your control. It helps you to get low interest rates on your cards. You can thus consolidate several cards into one affordable monthly payment and clear your dues through fewer monthly checks. * Payday loan consolidation: Such a program offers you debt help against payday loan problems. It helps to consolidate payday loans into a single monthly bill that suits your budget. * Credit counseling: This debt help program can assist you in managing payments on multiple bills such as store cards, medical bills, student loans etc. A credit counselor will guide you on how to keep up with your bill payments and manage your daily expenses as well. * Debt management (DMP): When credit counseling services aren’t enough to help you out of money …


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    ]]>     http://creditrepairfree.org/credit-help/debt-reduction-help/feed/ 0     Closing a credit card account that is inactive? How much will it affect my credit report? http://creditrepairfree.org/credit-help/closing-a-credit-card-account-that-is-inactive-how-much-will-it-affect-my-credit-report/ http://creditrepairfree.org/credit-help/closing-a-credit-card-account-that-is-inactive-how-much-will-it-affect-my-credit-report/#comments Tue, 20 Jul 2010 02:35:46 +0000 I’ve had this account for about two years, and I haven’t used it in a long time, and I’m thinking of closing it but I don’t know how it would affect my credit report. This is a secure credit card, with only a 0 limit. I have two other credit cards that I use a lot more often and I’ve been very responsible about paying bills on time.


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