What exactly is a home equity loan and can I still get one with bad credit?


Posted November 30th, 2009 by admin 5 Comments »
bad credit
Pantsguy asked:


I do own my own home but am still paying off my mortgage. My son needs more money for college and we’ve tapped out on student loans and my credit cards are all maxed. I was wondering what I could do and thought that a home equity loan with bad credit might be an option. I don’t know if it’s a good idea though.

How can I check to see if I have good credit or bad credit?


Posted November 30th, 2009 by admin 5 Comments »
bad credit
Girl asked:


The only credit I have been building is by paying off a credit card bill and I have missed a few payments, but I almost have it paid off and now I am looking to take out a housing loan. How can I go about checking to see if I have good credit or bad credit?
Is there a web site where I can check it for free without having to secure a billing address with a credit card and all that stuff.

How can i clear my bad credit, if no one will help someone with bad credit and with nothing for collateral?


Posted November 30th, 2009 by admin 1 Comment »
bad credit
Butterfly1983 asked:


Ok so I have messed up my credit over the years, over stupidness really and something i dont even know what is for. Anyway i want to clear my credit score and start over but how can i get a loan to consolidate it, If i have bad credit….Some advice please….I am in Ontario, Canada, if you have any advice it would be greatly appreciated.

How can I establish good credit If I have bad credit or no credit?


Posted November 30th, 2009 by admin 4 Comments »
bad credit
chelly asked:


I am trying to purchase a home and im running into the problem I don’t have enough of a credit score. I found a home I would like to buy but can’t find any one to lend me the money. Is there any place that will help me get a home loan Now. Like a bad credit no credit no problem. I don’t mind paying a little bit higher interest rate. But I can’t afford a huge down-payment

How bad is it for your credit to be overdrawn in your bank account for a long period of time?


Posted November 30th, 2009 by admin 10 Comments »
bad credit
Sara asked:


I went 300 dollars overdrawn because i had a medical emergency. now with all the penalty charges i’ll need 750 dollars just to get to zero. i’ll be able to do it, but it may take up to 6 weeks to get all the money to put in my account. I have ok credit and i really don’t want to have bad credit because of this.

How to acquire a free credit report from each of the major credit bureaus?


Posted November 23rd, 2009 by admin 2 Comments »
credit report
florance asked:


I heard on CNN Headline News that you can obtain one free credit report per year from each of the 4 major credit bureaus.

Does anyone know the names of each credit bureau, the number to call (or address) and what you need to do to get a copy of your credit report?

How I check free credit report we entitled to?


Posted November 23rd, 2009 by admin 2 Comments »
credit report
tyisha asked:


I just tried by logging on to the free credit report link. I filled everything out but then they asked me to pay. The problem is I do not want to pay for my “free” report. How can I still get my free credit report?

How to acquire a free credit report from each of the major credit bureaus?


Posted November 23rd, 2009 by admin 2 Comments »
credit report
florance asked:


I heard on CNN Headline News that you can obtain one free credit report per year from each of the 4 major credit bureaus.

Does anyone know the names of each credit bureau, the number to call (or address) and what you need to do to get a copy of your credit report?

How do we report an unpaid civil judgement to the credit bureau?


Posted November 23rd, 2009 by admin 1 Comment »
credit report
ahisch asked:


We were awarded a civil judgement signed by a judge and filed with our local courts in Jackson County MO for $100,000. The defendant never paid this amount and we would like for this to show up on his credit report. I have been told unpaid civil judgements can be included in the personal section of a credit report but I am unable to find out how to get the credit bureaus to acknowledge this judgement and show it on his credit report. Can anyone tell me how to get this debt on his credit report?

Credit report?


Posted November 23rd, 2009 by admin 5 Comments »
credit report
angieward_2000 asked:


I just ran my credit report and there are several hits on it to say the least. Is it better to call the collection agencies directly and work out payment arraignments or should I call the credit consolidator people. And what is the best credit consolidator co to call?