Credit Repair Help

Jess T asked:


Hi,
Im just after a straightforward answer to my question, if there is one:
What looks worse on your credit record, a default on a couple of credit cards, that have been paid off over 2years since the default, or several late payments and arrears on credit cards (im talking upwards of 10) but since that blip, all payments made on time for the next 2 years

Thanks for all your help

Jess T asked:


Hi,
Im just after a straightforward answer to my question, if there is one:
What looks worse on your credit record, a default on a couple of credit cards, that have been paid off over 2years since the default, or several late payments and arrears on credit cards (im talking upwards of 10) but since that blip, all payments made on time for the next 2 years

Thanks for all your help

shamwownow. asked:


My moms having a hard time getting a cell for me because she has bad credit.
So she has to pay a deposit now.
At the local place it’s $300.
But is there a cheaper place besides cricket and alltel.
How much is verizons and sprints?[the big ones]
At&t and T-mobile?

Or does it depend?

Because im trying to help her find the cheapest place.
I heard Verizon and Sprint were really cheap, but do you know how much?
I have prepaid… it sucks.
You guys didn’t answer my question by telling me to get prepaif either.

shekima s asked:


I have bad credit but i really need a loan i have four kids and i’m behind on my bill’s i have a jo

mjgreeley909 asked:


I keep watching all of your responses and I think a lot of them are great so I thought maybe you guys could help me out. I have bad credit (dont know how bad, cant find a website that could give me my credit score free). I know I have a cell phone bill for $1000. A phone bill for $350. Credit card for $450. A cable bill for $127 (that has been paid but is on my credit report as bad). And god knows what else. I always here you guys talking about getting your credit report and disputing them but I know I owe these people. I am a single mom that doesnt work a lot. Can anyone give me some good advice on how to get these off my credit report. I would like to have decent credit within the next 2 years if possible. THANKS IN ADVANCE!!

sasha asked:


Im looking for a credit repair company to help repair my credit and raise my credit score. There are many companies online but I want to choose a reputable company and do not know how to make sure they are legitimately a good company. Any suggestions?

roseanne asked:


I want to fix my credit fast, because my husband and I want to buy a new house in about 6 months. There a lost of credit repair companies out there. They say that they can remove bad hits on your credit report.

Has this worked for anyone? If so, which company? How much did you have to pay them? How much did your credit score increase? How long did it take?

Thanks a bunch!

tonya asked:


Do credit repair companies work? I want to build or buy a house for my family .This is no joke , I have seven kids . So it’s very important that I get a good P.M.I. and a good interest rate or I’ll never be able to afford it. I make about 60k a year , but one of kids had to have 5 brain surgeries right after she was born and this ruined my wife and my credit . Any suggestions would be appreciated. Please , serious stuff only.

asked:


does a debit card repair credit in the same way that a secured credit card does? if not, what’s the best secured credit card out there (lowest cost, etc.)

Tee asked:


I want to repair my credit I know this will take some time however, I have come into some money and want to pay everything offf thats on my credit if I do so what will happen?

will be removed?
will my score get higher?

I’m so clueless as to what will happen after I pay them all off and its kind of embrassing Im only in debt by 3000.00 how sad