where do i get a credit report? wikipedia says annualcreditreport.com is the way to go, is this correct? do i have other options? [more inside]
posted on Aug 22, 2008 - 13 answers
Someone opened a credit account in my name a few years back; it is now overdue. What do I do? [more inside]
posted on Jan 10, 2008 - 12 answers
The financial problems of someone who shared my name and former address are showing up on my credit report! How do I even begin to go about disputing this, should the credit agency's investigation not go in my favor? [more inside]
posted on Dec 2, 2007 - 7 answers
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 on Nov 26, 2007 - 5 answers 
Succumbing to Extortion Filter: How should I pay back a debt I don't really owe, to a collection agency that's been hounding me for years, to make sure it doesn't appear on my record? More inside. [more inside]
posted on Oct 1, 2007 - 9 answers
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 on Jul 26, 2007 - 14 answers
Repaying Stafford college loans that disappeared from my credit report (due to age), but still collect all tax refunds - what kind of hit might I expect on my credit, reactivating the account by a full-payoff? More importantly, what kind of deal can I propose to avoid all the interest? Anyone have experience with this? [more inside]
posted on May 17, 2007 - 4 answers
Is there any way to stop a $50 collection action from dinging my credit rating? [more inside]
posted on Apr 3, 2007 - 15 answers
Help us save our credit! We're not sure why, but our mortgage company started returning our automatic bank payments a few months ago. [more inside]
posted on Feb 3, 2007 - 6 answers
Why is my credit score so high? [more inside]
posted on Sep 12, 2006 - 12 answers
Can a collection agency reopen a nine year-old unpaid debt? [more inside]
posted on Oct 12, 2005 - 13 answers
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 on Jan 10, 2005 - 42 answers
I'm in college in the U.S., and have a few state student loans. They were under a forebearance that I once requested, which ended four months ago. I didn't realize this, and ignored the mail that was sent about it because I thought it was the usual mail they send me about how I have a loan and ads for consolidation. I just recently got this fixed and the forebearance backdated so it will have another year from when it ended. But I now have two 60-day late marks on my otherwise good credit report. Anything I can do to get rid of them?
posted on Jan 8, 2005 - 5 answers
CreditFilter: Two years ago, not really understanding the importance of good credit behavior, I let a department store card slide for 180 days, twice (I KNOW!). This impacted my credit history greatly. I had previously had 4 years of good payment on two credit cards. Over the past year, to help recover and instill good habits, I pay my credit cards in full every month (read: no personal debt) and added a paid off car loan to my reports (15K). My CC limits have slowly increased but my score has remained somewhat the same (10 pt increase).
What can I do to get out of this rut? Some collegues I know have a sizable CC debt (around 15-20K) with less income than me but have great scores and could buy a house tommorrow with no problems. What am I missing and no, credit-fixing agencies are NOT an option.
posted on Dec 12, 2004 - 11 answers
My wallet was stolen -- how do I protect myself against ID theft? [more inside]
posted on Nov 7, 2004 - 7 answers
AT&T Wireless screwed me, how can I get revenge (or at least minimize the damage to my credit report)? How have others dealt with customer service nightmares in the past? [MI]
posted on Apr 27, 2004 - 16 answers
