Information to to get my credit straight

kchmiel1

Hi, welcome to the forums!

This site is designed to help with debt consolidation, and how to manage your credit.

When signing up on this site, you will be referred to a debt consolidator in your area, for a free consultation. They will go over the program benefits, explain how debt consolidation works, and answer any questions you may have. There is no obligation to go with the program however.

Additionally, the forums are designed to comminicate with other members. You can ask questions, and even visit the chat room.

Hope this answers your question. Stick around, it can be fun too!

Regards-
Mike

Hi kchmiel1

Credit ratings will improve after you have fixed the errors often found in the report. In the remaining cases, unpaid accounts hurt the credit file. You can use some professional debt management program for paying them off.

Read the benefits of the consolidation program. You will be offered easy monthly installments to pay your debts. Once all of them are paid off, the accounts will be marked as paid in your credit file and this will help in increasing your scores.

Read some articles to find the perfect debt solution and live a debt free life. Your credit report is a very important financial document. You need to take every measure to give it a clean look.

I'm trying so hard to do that, but everything just isn't working out that way. My son has an injury that has caused most of my financial hardship. Moving, high rent and credit cards, meds, everything.. Just so hard to try and break even. I tried working with a debt consolidation place a few months ago and they told me that I didn't make enough money to be able to go with them because they didn't think I could afford the monthly payment. I am finally almost done with a stupid payday advance loan, which is something i will never do again. they've gotten so much money from me, it isn't funny. I'm kinda lost here. This is sent from my home so that is why it is a different name...

You can dispute the inquiries also if they are put with incorrect information in your file. The inquiries that hurt the credit scores are from the credit grantors whom you have authorized to check your credit. Other than this, no other inquiries hurt your scoring. Check out for the collection inquiries as well. They also hurt severely if they are with wrong information in your file.