• If i pay bills on time for 6 months will credit score improve?
  If you are paying more than just bills it will. You have to have 3 - 6 lines of open rated credit like car loans home loans and credit cards.
• What do I say when asking a creditor to remove bad credit file?
  Tell them "I had a hard time with a job, or a sickness, I paid the bill off in good faith, I'm a good person, now I am trying to buy a home and this entry is the only thing holding me back. Will you please, pretty please, remove this entry?" Remember they cannot pull up your credit to find out if indeed your telling the truth. 
• What if I have a unpaid collections account? 
  First try to contact the company and pay the bill. If you find the company and the bill, pay them off and ask the company to contact the bureaus and give you a letter Stating they have done so. You can use this letter as leverage if a bureau is having a tough time showing the record as paid        

• 
  
• Orchard Bank Master Card Credit Cards for Bad Credit          APPLY NOW
• Will approve just about anybody with some money down
• Will approve many or most without any money down
• Reports monthly to all three credit bureaus. Transuion Equifax and Experian
• The best bad credit credit card to rebuild your credit score!
• Universally accepted at all majors retailers, wesbites and travel location worldwide.
• Easy to use internet access to view activity updates 24/7!
• Get emails and or text messages to remind upcoming payments

• Why is my paid collection still showing on my credit file?
  When you pay off a collection, the entry should show up as paid. BUT  the entry will remain on your credit file for 7 years unless the entity that had collection filed on you agrees to let the collection company delete the information. So collections still show up as collections EVEN after you pay. They just show paid and still hurt your score.
• How do I get a paid collections account removed completely? 
  Wait for 7 years, or try to contact the entity the had you turned over to collections and ask them to prompt the collection agency to remove the entry. If you cannot find the record yourself by calling, then, chances are Experian Transunion and Equifax can't either. So print the free universal credit dispute form form and send it to the appropriate bureau. If you can find the record beg the company to remove the record and send you a letter saying they have done so. 
• What am I trying to get from the creditor when I ask them to remove a file?
  Try as hard as you can to get a letter saying account is paid in full, paid on time and in good standing. Use this letter to follow up on the creditors decision to remove your bad credit files. Credit tips for bad credit. Credit cards help improve my bad credit. Credit cards that will totally improve my credit history raise my credit report score

 

• b
• Orchard Bank Visa Credit Cards for Bad Credit                     APPLY NOW Visa 1000 credit card application
• Also reports to Transunion Eqperian and Transuion
• Also provides the opportunity to rebuild your credit
• Also approves just about any credit situation
• Also accepted just about anywhere in the world.
• Also easy to use internet access 24/7 so you can manage it your way
• Also  send email and text messages if you enroll
  
  

Credit cards with a 1000 credit limit for bad credit. Bad credit Visa, Master Card credit cards with a 500 600 700 750 800 900 1000 dollar high credit limit for bad credit

• Will my credit score go up if I pay a collection account?
  Generally no or not very much. The account will still show as a negative credit item for up to 7 years, this is why it is important to pay and ask for, forgiveness in a humble but persistent manner asking for management if need be.
• credit cards and on financing on car financing or extra low rate home loans. IF your debt to income ratio is not to high. 
• When disputing a inaccurate record.
  Here you'll want to send as much information on you and your spouse as possible. This ensures the bureau makes no mistakes. Credit Dispute Form
• Do I have to contact all three agencies for disputes?
  Most creditors report to only one or two bureaus so it is only necessary to contact those. BUT! You don't always know which one they report to, so, it is good to dispute at all three. Equifax is by far the most widely used bureau.
• Can you call and get something done?
  No. The phone numbers get a automated MSG's stating address name and general information. None of the bureaus are set up to answer phones. They are set up to deal by fax and mail, thus ensuring confidentiality of your credit files. 
• What about closed credit or even open cards with late payments?
  Contact the card company and try to find your info. If you can't find it, print the dispute form and send it to the bureau to get the record removed. If you can find the record then talk to the company and ask that your file be re-opened so you can make on time payments. After six months call the company up and ask to have the late payments removed. Most credit card companies only report the last twelve months of good credit.
  If you ask to have the records removed they will almost always do it for you.
• Will it hurt my credit score to close credit card accounts?
  Generally your score will not be affected UNLESS you close some accounts that still have balances. When you close an account that has a balance, it shows you have become frustrated and possibly emotionally detached from a creditor who you have asked to borrow money from in the first place. Credit tips for bad credit. Credit cards help improve my bad credit. Credit cards that will totally improve my credit history raise my credit report score
• What about tax liens and judgments? Can I have them removed and how long will they stay on my report?
  Matters of law cannot be removed and will stay on your record for ten years. I do think it may be possible to have judgments sealed though. If they are sealed, they cannot show up on your credit. Try to negotiate and have the record sealed as part of your payment or settlement. If you go back at a later date, and pay a judgment that is already a part of your credit file, ask that the judgment be sealed, then dispute the record. It would then fall off.
• What if I have a record that I don't think is correct but I can't find a number to call?
  Dispute the record and make the credit bureau get the information for you. Send as much information on yourself as possible. If you find the record accurate use the number they provide and make amends. Then ask the company to remove the record. Get a letter.

 

• 
• Applied Bank Secured Visa Credit Cards for Bad Credit             APPLY NOW
• Guaranteed Approval Regardless of Your Past Credit History
• Applied Bank Visa reports your payment activity to build a good credit score
• 9.99% Low Fixed APR - We don't gouge you with wild interest rate changes.
• You get to choose your credit limit - Choose a 200 300 400 500 600 700 800 900 1000 1200 1500 1750 2000 2500 3000 4000 or even a $5,000 dollar credit limit
• Applied Bank Secured Visa Credit Cards for bad credit have the highest rate for strength and security in the country
  

 

• What about a Jr. or Sr. or any case where names get mixed up and you get someone else's credit.
  Many times a son or father who have the same name will get the credit MERGED on accident. If you are a Jr. Sr. You should find any accountsthat aren't yours' dispute them. Send as much info on yourself as possible and note the items which aren't yours. In the same letter include the other parties information and note which accounts are which.
• If you don't get an appropriate response for merged credit files.
  Then send in the dispute form asking for a comment on each item which is not yours stating so. Usually this will make the bureau come around and repair the ghostly problem. 50-100 words max.
• I want my Credit changed NOW so I can get a Loan NOW! What can I do?
  Not much. Changing and repairing credit can be a long and tedious process often resulting in frustration. Most credit changes take at least two weeks IF you can make one. But you can overnight mail your dispute and ask for overnight return on the dispute results. Sometimes a phone number will come with your results allowing you to talk to a REAL PERSON. 
• How can some people with a bankruptcy get a loan and I can't?
  Sometimes a bankruptcy is better than bad credit. One way is the Chapter 7 BK that erases all dept and stipulates the person cannot file again for 7 years. Since they have no outstanding dept and cannot re-file, many banks view this as a "good risk". Many times after a "7," a person will need to re-establish some small credit items. Plus; a factor with any loan is job, job time, and amount earned. If a person makes 3500 a month, has been on the job 5 years and owes nothing, you can see how this may be attractive to a bank. Free credit tips for bad credit and credit cards that help improve my bad credit history. You can't improve your credit score if you do not have a credit card or credit cards. How long do credit files stay on my record?
  7 years for bad credit. 10 years for  bankruptcy. 4 years on good credit. Lawsuits and Judgments 7 years or until the statute of limitations runs out. When does the 7 year thing start? 
  From the date of last activity stated on the account. Not from when you open the account. What about the double credit file that has been reported as a charge-off then sent to collections later. Does that move up the 7 year thing?
  This is a question I cannot answer with confidence. It's a common question and there seams to be a hint of trickery with this action. I personally think everyone should pay their bills or file bankruptcy. Lexington Law may have an answer for you on this matter.
• How long do inquiries stay on my credit report?
  Usually three years.

• 
• Applied Bank Platinum Visa Credit Card for Bad Credit                APPLY NOW
• ZERO - 0% FIXED APR on purchases - No Intro Rates!
• ZERO - 0% Rate Won't Change - Even If You're Late!
• ZERO Application Fees
• ZERO Worries - FREE Personal ID Theft Protection
• ZERO Delays in reporting your payment acitivity each month

 

• How many points do inquiries count against my beacon score?
  I've heard they can count as much as 6 points for one "hard credit hit". This means 6 points will carry up to 4-6 hits as long as they appear to be related to the purchase of a single items and all the hits represent the same item. Like when you go to a car dealer and they shotgun your application to 4 banks trying to get you a low rate or just plain approved. Most credit reports will show 10-20 inquiries and this should be considered an average, not to worry yourself about much, number. BUT. You can dispute these files and there is a possibility even raise you beacon score by doing so.
• Will checking my credit report online count as an inquiry on my credit report?
  No. Inquiries only show up for "hard credit hits" when a creditor checks my credit worthiness in order to loan me monies. 
• Will debt consolidation hurt my credit score?
  In most cases debt consolidation will stop your score from going lower by ensuring you make all payments before the 30 days past the due date.
• How late can I be without being reported late?
  As long as you make your payments before 30 days have lapsed your files will show up paid as agreed. Now I must be upfront in telling you that having a letter post marked the day before does not work. The company must have the payment in hand before 30 days have lapsed. What about credit repair companies that charge to remove bad credit files? Do they work and do I know of a good one? 
  I think you should do it yourself with my free tips here online.

 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439 440 441 442 443 444 445 446 447 448 449 450 451 452 453 454 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480 481 482 483 484 485 486 487 488 489 490 491 492 493 494 495 496 497 498 499 500 501 502 503 504 505 506 507 508 509 510 511 512 513 514 515 516 517 518 519 520 521 522 523 524 525 526 527 528 529 530 531 532 534 535 536 537 538 539 540 541 542 543 544 545 546 547 548 549 550 551 552 553 554 555 556 557 558 559 560 561 562 563 564 565 566 567 568 569 570 571 572 573 574 575 576 577 578 579 580 581 582 583 584 585 586 587 488 589 590 591 592 593 594 595 596 597 598 599.600 601 602 603 604 605 606 607 608 609 610 611 612 613 614 615 616 617 618 619 620 621 621 622 623 624 625 626 627 628 629 630 631 632 633 634 635 636 637 638 639 640 641 642 643 644 645 646 647 648 649 651 652 653 654 655 656 657 658 659 660 661 662 663 664 665 666 667 668 669 670 671 672 673 674 675 676 677 678 679 680 681 682 683 684 685 686 687 688 689 690 691 692 693 694 695 696 697 698 699  700 701 702 703 704 705 706 707 708 709 710 711 712 713 714 715 716 717 718 719 720 721 723 724 725 726 727 728 729 730 731 732 733 734 735 736 737 738 739 740 741 742 743 744 745 746 747 748 749
---- A 750 + Credit score range will allow you to buy two cars at a time get the lowest rates on credit cards and on financing on car financing or extra low rate home loans. IF your debt to income ratio is not to high. 

To raise credit scores you must have 3 - 6 major credit acounts reported to bureaus. Cell phones, electricity, gas or any paid off collections do not count. Improve bad credit with good credit cards here
Credit Cards for 0 - 599 Score
Credit Cards For Bad Credit
Cards for a 600 - 649 Score
Fair Credit Credit Cards
Cards for a 650 - 699 Score
Credit Cards for a 700 - 850
Perfect Credit Cards