Should I dispute the adverse item on my credit report or just pay it off? Also, will a balance transfer help or hurt me? [more inside]
posted on Aug 25, 2008 - 13 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

My father, grandfather, and I all have the first and last names, with only different middle names to distinguish us, no suffixes. How do I go about untangling our credit reports? [more inside]
posted on May 10, 2007 - 12 answers

Why is my credit score so high? [more inside]
posted on Sep 12, 2006 - 12 answers

Since my wallet was stolen, I've been trying to get a particular inaccuracy on my credit report corrected with no luck. I have written to the company that owns my report using their own online dispute form and via snail mail. It's been 6 months and I don't know what else to do to get them to respond. [more inside]
posted on Apr 22, 2005 - 10 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