I have bad credit. There is no other way to say it. I had a good job then got hurt and the settlement never went thru. I was a single mom and on state aid and was unable to pay my bills. I had to move back in with my mom and everything went down hill from there. I had creditors calling and sending letters all the time. Well now time has passed and I have paid off some with the settlement negotiations and others are just out of the statute of limitations. I got married about 2 years ago and my husband has perfect credit and a good job. What should I do to improve my credit?

I own a business/Law Firm called the Law Firm of Anthony D. Denaro, P.C. in New York. I own 2 houses on Long Island, New York. I have over $250K equity in one of the homes. However, my credit rating is very low and I cannot re-finance. I wanted to pay off all of my creditors and close out all of the unsecured debt, however, no bank seems to want to refinance my house due to poor credit rating. Can you help come up with a solution? if so, please contact me at your earliest convenience. Anthony

Just to follow up, I received my refund today from Secret Cash Card! :D I received it exactly 10 days from the date I requested the refund, which is when they said it would arrive in the mail.

So I called allied to set up a payment agreement they were very nice at first then the womwn told me I needed my first payment in two days i told her i would have it in a wk. well this changed everything yes i understand i have debt but if i had the money trust me i would pay u back so then when i said next week suddenly i had a deposit of 700 dollars and a higher monthly balance. Why? then she told me that they are going to start going after my assits ha what assists i own nothing except for a 97 altima.

Hello Everybody, Im in a bit of a rut and any and all help is appreciated, I am 120.00 short on my rent! This month this never happened to me, I must have made a mistake with calculations if any one has any donated points thats GREAT!! I am emebarassed to ask so please no MEAN comments!! My rent is due 2/1/07 but late after the 3rd! any help is needed Thanks

Hi I was just wondering for statute of limitations, where does a phone bill or a medical bill fall? Is it an open, written, promissary or oral?

credit card debt with high interest rate and thus high monthly payment

Palisades is ruining my credit. I have disputed my account for years. I can never get documentation or verification that the account is mine. What can i do?

I wrote last week about something on my credit report from a collection agency. They are saying I owe $110 for a doctors appointment/x-ray I don't recall having. The collection office cannot provide a copy of the bill...only a letter stating that I owe them the money. Due to the original creditor being out of business, I cannot contact them for a copy of the bill. I requested that the credit bureaus investigate. I did ask that the collection agency send me a copy of the letter, as I have never received one in the mail. I got the letter the other day with no detail of the doctors visit.

This might take me awhile to explain. I am sure that some of you probably have already been where I am at so I am hoping you can help me get out of this alive. I am VERY stressed if you didn't figure that out from the title! Here it goes.............keep in mind that I am only 21 years old. Anyways, I recently was unemployed for about six months. Being so desperate for a job I applied at a Temp Agency and they gave me jobs on and off. Nothing close to what I need to pay my bills. I have a lot of bills but thankfully some people were helping me out at the time.