Help A Reader: Bad Credit
Hello everyone!!!
I recently got the following comment from a reader and wanted to include you all in the assistance process.
“How would I start to fix just horrible credit? I doubt I will ever be able to come out of it, but I now know the horrible truth that I wasnt taught at a younger age. I have defaulted on every card I have ever had. I am only 22, so I hope I still have time to dig myself out. I need to change my life, with money, but I just need help in the right direction. I am looking at about 17k in debt.”
Credit Report Time!!!!!
It is time to order your FREE credit report again from www.annualcreditreport.com. Since you can only order one free credit report every twelve months from one of the credit bureaus, it is best to space them out and order one every four months.
That way you will be better able to see changes in your credit file over the year instead of having to wait a whole twelve months for the next set of reports.
You can get your free credit report from
Transunion
Equifax
Experian
Carnival Of Credit Report Stories October 27
Welcome to the October 27, 2008 edition of credit report stories.
KCLau presents The Malaysian Insurance Planning Guide by Meshio.com [REVIEW] posted at KCLau’s Money Tips, saying, “A review about an ebook on insurance planning. The book is specially written to guide Malaysians on their next insurance purchase.”
imarketing4s presents What Exactly Is Personal Debt Consolidation? posted at Free Debt Consolidation: Qualified Financial Management.
KCLau presents Are you part of the NEET Generation? posted at KCLau’s Money Tips, saying, “About NEET (Not in Education, Employment or Learning), the NEET generation and why there is NEET.”
I Got a B on My Bills IQ
Welcome to How I Save Money. I took the Bills IQ quiz to see what I knew about my bills and Credit card debt and I got an overall score of 82% which is a B . A low B at that. I barely scraped the B rating and this upsets me very much because I thought I had a better handle on my finances, even though I do not make a lot of money.
The Bills IQ site gives you a quiz and you pick the best answer as it relates to your current situation. The site then gives you a score and after that you can review some tips on how to better manage your credit and get a better life score.
Ovation Credit Services Review (Advertisement)
Since many of us are very concerned with our credit reports I have been asked to review this credit repair site and produce this advertisement for them. I went over to Ovation Credit Services to see what they offered and how it could benefit me and my readers when it came to managing our credit.
The first thing I noticed is that the site is very well laid out with eye catching graphics. I like pretty looking icons since they draw my attention and this site is full of clean lines and interesting images. This makes it easy to navigate the site, which is very easy to use.
Update on Credit Scores
As of April 29th my credit scores were as follows:
- Experian 739
- Equifax 729
- Transunion 748
Carnival Of Credit Report Stories: June 9
Welcome to the June 9, 2008 edition of credit report stories.
KCLau presents When should you rewrite your Will? posted at KCLau’s Money Tips , saying, "On what you should look out for when considering rewriting your will"
imarketing4s presents How To Work Through Debt Consolidation posted at Loans and Finance .
Mag Herrera presents The Quest for Making Money Online posted at Life. Money. Development. , saying, "Personal opinion and views about the rush for making money online"
credit card
FIRE Getters presents Sneaky Credit Card Trick #1 - Over The Credit Limit Fees posted at FIRE Finance .
How I Save Money Gives Credit Report Advice
I was speaking about ways to save money with a coworker who mentioned that she wanted to buy a house soon. She was worried about the rate she would get because she knew her credit score was bad .
This person, I’ll call her S, said she had a lot of unpaid medical bills and phone bills from her past. There were also a few bills that had been late in the past but then she had settled with the company so she hoped that had already dropped off her credit report.
S told me she was thinking of hiring a credit repair company to clean up her credit report because she had heard they could take items off. This is the point where I had to stop her and put on my Personal Finance hat. In the short time that I have been blogging about my personal finances I think I have learned a few things that I could share with someone.
