Credit Repair Help

Branden F asked:


Ok so I need to write an 8 page research paper on americas debt. In the Intorduction I need the background, problem statement, purpose statement, amd scope. Then 3-5 body topics, and conclution: Summarizes key ideas, stresses why the topic is important, leaves a lasting impression on reader.

I was thinking about haveing my three body topics being the reason why debt in america is so bad:

1) Credit cards

2) Natinal debt (Bad example for citicens)

3) Our life style

4) ?

5) ?

If you could help me come up with 1 or 2 more topics and maybe some sources that would be awesome ; ). Any other help you could give me would be greatly appreciated also.

AliAliAli asked:


My friend is badly in debt, and she is looking into credit counceling, consolidating, etc… She wants to know what option will harm her credit the least, or for the least amount of time, but lower/ negotiate her debt so she pays teh samllest percentage of her debt as possible. Please help, as she is a mom of 2, with a deadbeat dad that ran out on them.

Answer3712 asked:


Hi, I checked my credit score and I’m currently at 529 average rating, which is pretty bad. No one ever taught me about money, but now that I’m 29 with 1 reposession, 34,000 in student loans and growing with grad school, and major delinquencies over 180 days past due - I was wondering what can I do to fix my credit score, considering I never had any major credit cards (just like macy’s, or express at low amounts) but other then that, all the debt is non-credit. How do I fix my score? How can I get a debt consolidation loan, or have an accountant or someone go over my reports with me and make a payment plan. Can someone help me with that without charging alot? I’d like to improve my score. Thanks in advance.

Declan asked:


Today i have had about the 20th call from an automated robot asking me if i wanted to cancel all my debts. Its annoying and i always connect to an operator to ask them to remove my number from their calling list, but it seems ineffective, does anyone know of any action i can take.

UK.

Daniel asked:


My wife has defaulted on her Federal student loan, last tax year the debt collection agency tried to intercept our return. I am the one who is responsible for all of the income. My question is: other than filing an injured spouse form, is there a faster more effective way of receiving my refund? And can they legally garnish my wages or get anything out of our bank account? (She’s a joint owner of the account)

Cesar R asked:


I was stupid when I was 19 and never paid my pg&e bill when i was living on my own. I’m now 23 and am going to pay off my bill (which is only $58). Because of this though, I’m assuming my credit is horrible. What is the first step I need to take in order to fix my credit.

Alexis asked:


My credit is not good. It’s bad. I keep getting turned down for apartments in Atlanta. So far I’ve lost $275.00 in application fees trying to get approved at different communities. I do not want to live in dangerous neighborhoods. I am not a criminal and seem like my credit profile is only going to accept me in dangerous areas and I can’t live like that I have a 16mos old daughter. Any suggestions?

saloma mckamie asked:


Your info will be appreciated. Thanks

Tite asked:


There is an account that is in creditor collection.I do not know the origin of this past due account. I have never being notified of any debt.

cissy delahoya asked:


Can you please give me some websites to get 3 credit report online? Share with me, please. Your info will be appreciated. Thanks