Credit Answers for Your Questions

When negotiating a debt settlement with a credit card company, what entry on our account should we ask it to use on our credit report?

How are minimum payments calculated for credit cards, and how are payments more than the minimum due applied?

I am buying a house and need to boost my credit score rapidly. What are my options?

How can I be sure that a creditor reports a paid debt on my credit report.

I just completed a home refi and have good credit. Why was I turned down for a credit card I just applied for?

Is it possible to remove a foreclosure from my credit report?

I need my credit report repaired. Which would you recommend, Lexington Law Firm or Sky Blue Credit?

How do I get liens and credit cards that are already paid-off removed from my credit reports?

How can I get my spouses credit card debt put into my name so all our debts will be mine?

How will co-signing on a loan affect my credit rating and my ability to get other loans for myself?

My credit report says I am dead. How do I correct this wrong information?

The credit reporting agencies will not correct my address, and it is harming my ability to open an account. What can I do?

I have a large Federal Tax Lien and State Tax Lien on my credit report. What do I do?

I defaulted on my payment plan with a collection agent, and now they won't negotiate with me. What can I do?

If a judgment can no longer be reported on my credit report, does that mean it can no longer be collected?

My credit report shows a delinquent account that is four months away from rolling off my report. Should I dispute this account?

What can I do to remove derogatory items Nelnet placed on my credit report?

If you pay an early termination fee to get out of a cellphone contract will it affect your credit?

Are credit repair services worth the cost? Or are they a rip-off to be avoided?

Will my credit score go up or down if I pay a delinquent debt?

How can I build my credit history?

My son's spouse has pre-marital debt. Will that affect his credit score? Is he liable for the debt? How can she resolve this?

A collection agency put the same debt twice on my credit report. Is this legal? If not, what can I do about it?

I have an unpaid utility bill in New York from 7 years ago that just appeared on my credit report. Is that legal?

I have incurred a lot of medical "out of pocket" expenses... what is the statue of limitation in California. thank you

What can I do if my credit is damaged due to me being an authorized user on a credit card that is past due?

How do I remove items from my credit report that are approximately 20 years old?

Is the original creditor or collection agent responsible for reporting my payments to the credit bureaus?

Will I harm my credit score if I close my oldest credit card?

Why did my score drop after paying a collection account?

Should I dispute a collection account if I know I owe the debt?

Should I do a deed in lieu of foreclosure?

After paying off an auto loan how long does it take to report to my credit report?

How do I dispute a credit report error?

Will paying off my auto loan raise my FICO score?

Will opening and then closing my Gap credit card harm my FICO score?

Will closing out my credit card hurt my credit score?

My spouse and I are buying a house. His credit score is low. How does a FICO score work, and how do we improve his score?

If I close a credit card account, will that lower my credit score? What will happen if I close several?

Why was I denied a credit card if I have good credit?

Bank of America reports our old second mortgage is late each month. How do I convince BofA to stop reporting it as delinquent?

How do I determine the date of first delinquency on a delinquent account?

I am paying a mortgage, but recently learned my name is not on it. Can I walk away and not have it affect my credit rating?

Piggybacking on a strong credit card account can boost a credit score. What to do when an account goes sour?

The credit reporting agencies lost the positive history in my credit report. What can I do?

Should I close my open accounts or will that hurt my Credit Score and Credit Rating?

How long will a lease termination appear on my credit report, and how badly will it harm my credit score?

My plain Chase card is my oldest. If I switch to a cash-back card at Chase, will that affect my credit score?

Should I dispute errors in my credit report all at once or separately?

Should I max-out a low-interest credit card, or pay more on a high-interest card?