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My mom put bills in my name. How can I clean up my credit?

First, I understand that no one here is my lawyer. I recently ordered my free credit report for the first time. When I looked at the information, I discovered that my mom had put several utility bills and even credit cards in my name when I was a minor. Because she didn't always pay the bills on time, or at all, my credit is pretty bad. I'm not interested in pursuing criminal charges against my mom, but I do want to get these marks off my credit. What can I do to fix my credit? Who should I contact and what should I say?
posted by Chuck Barris on Oct 24, 2013 - 6 answers

Cosigner for an unsecured personal loan?

I need to borrow about $20,000 to $25,000 in order to clean up high interest rate debt and get back on my feet. I can't do this on my credit and I have no assets to secure a loan. I do, however, have a dear friend who is wealthy and who, I am pretty sure, would cosign on a loan for me. How does that work? [more inside]
posted by anonymous on Sep 26, 2013 - 17 answers

i need better resources for dealing with debt in ontario.

I have some bad consumer debt from a period when I was un- and under- employed. I contacted two different professionals for help in sorting it out, and as far as I can tell, they both gave me terrible advice. [more inside]
posted by windykites on Aug 20, 2013 - 3 answers

Last apartment question on AskMe maybe forever hopefully

Is anybody going to rent to us in Chicago? We are recent graduates with mediocre credit, part-time jobs and no rental history. [more inside]
posted by stoneandstar on Jul 24, 2013 - 4 answers

How can I survive a delayed paycheck when I have no savings, no credit

Being a moron, I forgot to turn in my timesheet this week. The way pay works at my company this means I might not get paid for 2 more weeks :/ How can I survive with all that budgeted money missing? What would you do? [more inside]
posted by anonymous on Mar 6, 2013 - 25 answers

How hard is it to rent with bad credit in Toronto?

I've got poor credit, a cat, and some questions about renting in the Toronto area. [more inside]
posted by heavenstobetsy on Jan 6, 2013 - 12 answers

Have money, need apartment.

Bad credit, but good income. Other complications. You're a landlord - what would convince you to rent to us, especially in a competitive housing market? Or you've been in a tenant in this or similar situations - what did you do? Snowflakes abound. [more inside]
posted by anonymous on Nov 16, 2012 - 15 answers

buy here / pay here - but not too much, hopefully?

I need a reliable car that I can count on. I'm a person with pretty bad credit, but I have a steady income in a job I've had for a while. What are my options? I'm thinking hard about checking out a used car lot; what should I look for, loan- and car-wise? [more inside]
posted by koeselitz on Jun 27, 2012 - 28 answers

Can I just write a check and be done with it?

What's the best way to improve my credit score now that I'm employed? [more inside]
posted by biochemist on Feb 10, 2012 - 6 answers

How to get a Business Bank Account when your credit is shot

I need a UK Business Bank Account, but I have a terrible credit rating. Anyone managed to open one with a High Street Bank? [more inside]
posted by garius on Feb 7, 2011 - 4 answers

Pay off the balance right away, or carry it a little while?

Rebuilding my credit and haven't had a credit card for 15 years. Now I got one, and I want to maximize the benefits to my credit score. Is it true that paying it off in full each month is better than carrying a small balance then paying it off? [more inside]
posted by marble on Apr 10, 2010 - 12 answers

Upside down mortgage?

How do I know if I have an "upside down" mortgage? [more inside]
posted by scratch on Dec 28, 2009 - 16 answers

Had spouse, now have bad credit

Bad credit due to ex spouse. So how bad is this black mark going to hurt me? [more inside]
posted by anonymous on Apr 15, 2009 - 6 answers

It's my first time at a used car dealership.

Urgently need advice on used car shopping. [more inside]
posted by tdismukes on Dec 8, 2008 - 17 answers

Buddy needs a car!

Reputable company to get an auto loan for first time buyer with slow credit? [more inside]
posted by ZackTM on Apr 3, 2008 - 7 answers

Who's the best to help me with my bad credit?

I have really bad credit and need professional help, who should I talk to? [more inside]
posted by anonymous on Mar 15, 2008 - 5 answers

Close a lease long-distance, or narrow and leap?

How do I find an apartment long-distance with very limited time and funding? Should I try to close long-distance on a place with reasonable location and price? Or reduce the field to a small number, take the leap, and hope for a quick closing while living in a motel? [more inside]
posted by anonymous on Feb 19, 2008 - 6 answers

Seven years of bad luck?

I have managed to run my once-great credit into the ground. What now? How screwed am I, and for how long? [more inside]
posted by anonymous on Jan 30, 2008 - 10 answers

How to Grow Good Credit in 2008

Help me design the Best Possible Plan For My Credit in 2008. Ten years ago I had no cash, and terrible credit. Today I have some cash, and no credit. I want to make some good choices next year, based on a well-considered strategy. [more inside]
posted by cockwaffle on Nov 26, 2007 - 5 answers

What does a credit approval today say about my formerly-bad credit?

What does it indicate about my formerly-bad credit that I could be accepted today for a regular contract by a cell phone company? How can I tell when it's the right time to apply for a credit card again? [more inside]
posted by anonymous on Jul 26, 2007 - 14 answers

Parents ruined my credit!

Bad Credit Filter: When I was 19/20 years old, my credit was ruined. It's nearly 7 years later, are these charges going to disappear, or is that just an urban legend? [more inside]
posted by idledebonair on Feb 20, 2007 - 40 answers

How do I deal with an unpaid/old secured credit card bill?

I had a $200 limit Capital One Secured Credit Card that I was unable to pay - and now its showing up on my credit report with a balance of over 900 as a Charge Off, how do I deal with it and work to remove it? [more inside]
posted by finitejest on Jun 8, 2006 - 23 answers

Will my potential employer check me out?

Background checks: I have a job interview coming up, and wonder if they'll do a credit check. If they do, I'm in trouble. I need this job very badly...thus the bad credit. Besides credit, employers may check education and criminal backgrounds (mine are clean), but do they have to let you know? How do you ask a potential employer about this without raising flags? While we're on it, is there a secret shit-list out there that employers may go to to see if you're a loser? Especially in software/web development in the northwest...
posted by anonymous on Jan 10, 2005 - 42 answers

Banks that open account for people with bad credit (in the UK?)

UK Credit Filter - We have bad credit, and now our bank have decided that they want to close my accounts. So in order to be paid, and pay bills...I have to find a new current account. My wife and I know that we can fix our problems with money (and have been doing well for 3 months) - but we cannot seem to find a bank that will open a current account for us.

So for UK askMe people - do you know of a current account that will AT LEAST give us the benefit of the doubt?
posted by anonymous on Nov 20, 2004 - 4 answers

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