Credit Advice

They should include on the list that we need to lobby for more accountability of the score agencies. I have found so many mistakes on my report. Some of them I have been able to fix, others keep recurring despite constant vigilence. They lower my score considerably. We need more oversight of this important arena of our national financial lives.

How can I challenge the accuracy of items on my credit report? Online is possible?

in order to improve your credit score faster, should you pay off all charges, even the charge offs?

you can challenge your credit report. you have to file a report to the each credit bureau. it's a little difficult. you can also put a note on your report, stating why things are the way they are

I pulled my credit report. I had difficulty getting Experian online. So I used another. Experian sent me a report on the mail 2 weeks later. I found many errors that I have disputed. They tell me I can only put a statement in with them, Online, you can only pick one of the choices which do not fit. They just updated my old debts, thanks to my pulling them, and updated them, saying they are now extended 3 more years and are valid. I should have left them alone.

I want to pay off my bad debts/collections, but I do not get anything in the mail anymore. Where do I start?

I agree with "mzeisberg" - particularly with credit card companies and how they report. I enrolled in a payment partnership program with one of my credit card companies, instigated by them in an effort to help me catch back up with my debt, and they set up a year's worth of automatic payments. Through a system error, they kicked me out of the program because I was "late on a payment". When I called, they said "oh, our mistake", but I noticed they still reported that to the credit bureaus and I still got charged a late fee. When I called to correct it they said "No problem, taken care of". I received a credit for the late fee, but unfortunately my credit score continued to decline. The following month I got another call because I was two months behind! I explained the earlier snafu and the guy said "Oh, well I see the note, but they never fixed the problem. I'm going to have to re-enroll you in the program". So now I have TWO payments automatically deducted from my account, though he assured me only one would come out - just a huge mess! All the while, I am still racking up fees and negativity on my credit score. No matter who I call and explain the situation to, no one seems to understand or care. And when I ask about how it will affect my credit score, they all say it won't have any effect.

When I turned 18 I got 2 credit cards and racked up $2000 in debt. Then when I add the rest of it up (not including my cost of living) I'm at just over 5,500. With my job I only have about $200 a month after I pay all of the bills for the month. I am getting a second job (Ya know, when I can obtian one)...but out of opinion would it be easier for me to delare bankruptsy and begin building my credit right away or to go the other way and just start payin off the bills? My score now is 528 :(

same as first. turned 18 and got to cards and than I had my baby and lost myjob all at the same time. I had paymnt protection butwhen I called they said since I was already late there was nothing they could do. Now I have to hideous cards on my credit report and I had never been late until I lost my job I even tried to send some money a month, but witha baby thats hard. I have been trying to find some way to fix it they are now 1,200 a piece. could i slowly pay them off would hat even help or just waste money.

Here is a little advise for all of the people out there. When you co-sign a loan for someone else...be it your spouse or children..please remember that it affects your score as well. Because of 3 car loans and a mortgage that i co-signed for my credit score went from an 810 to a 549 they defaulted and i couldnt afford to take on the payments. Please think before you co-sign for anyone.