Question by -♥-Ciara-♥-: Credit Report?
I have alot of negative items on my credit report.. what’s the best way of getting these removed quickly? If i write a letter to the creditors explaining why i didn’t make a payment.. will they remove it? im 21 yrs old and need to repair my credit.

Best answer:

Answer by hoemer1977
nope but you can dispute the items with the credit breau’s or pay the past due debt but it is not a quick process it takes time

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Question by -♥-Ciara-♥-: Credit Report?
I have a lot of negative items on my credit report.. what’s the best way of getting these removed quickly? If i write a letter to the creditors explaining why i didn’t make a payment.. will they remove it? I’m 21 yrs old and need to repair my credit.

Best answer:

Answer by hoemer1977
nope but you can dispute the items with the credit bureau’s or pay the past due debt but it is not a quick process it takes time

Add your own answer in the comments!Question by wieand05: credit report?
I just found out I have a collection on my credit report for $ 69. I have no idea what it is or anything. I have to wait til tomorrow and call them before noon. What would happen if I paid that? Will it lower my credit score or will it go up a little?

Best answer:

Answer by newjerseyguy
You’d better investigate it first to determine if its really valid.

Add your own answer in the comments!Question by Lady Maria: credit Report?
OK, I’ve never really understood the whole credit thing. And i dont know if i have bad credit or no credit…but, i can’t seem to get a credit card from anywhere to even build credit? Where is the best place to check out my credit report safely and help me understand in layman terms about everything?

Best answer:

Answer by vampyre1282
www.Annualcreditreport.com is a true free site. there is no signing up with a credit card or anything it just asks you a few questions. Now if you have ever had a cell phone or cable bill or layaway things like that and don’t pay they will put the nonpayment on your credit report.

Know better? Leave your own answer in the comments!Question by kc’s girl: CREDIT Report?
what are some ways to make your credit score to go up?
I have mostly hospital bills on my report, I do have some other things on there too just five.
also when they get paid off how long does it take for the company to remove it off your credit report?
is there something out there that can consolidate your credit report, pay it off and you pay them monthly?
All this credit stuff is confusing%%%%%

Best answer:

Answer by Sgt Big Red
The most important thing to remember is that just one late payment can drop your credit score. Allways make the payments on time and if it’s a credit card pay more then the minimum.
Your credit score is derived by 2 major factors, payment history (35%) and how much owed (30%) also known as your debt to credit history, another words how much of your available credit you owe.
Once a debt is paid it usually takes 30 days to be posted. If the debt has gone to collections or was a judgment against you, it will stay on your report for a period of 7 years even after it was paid.
Getting a consolidation loan to pay off the debts and make just one monthly payment is allright, but remember, you are simply borrowing more money to pay what you already owe. As long as you don’t charge anymore and simply make that one monthly payment on time every month, it will work.

Only time can realy increase ones credit score, a credit report is the history of your ability to pay debts.

Here are some links to understand more about FICO scoring and your credit rights.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm#improve
Building a better credit report.

http://www.ftc.gov/gettingcredit/
What you need to know about your credit.

http://www.ftc.gov/bcp/conline/pubs/credit/crdright.shtm
Credit and your consumer rights.

http://pueblo.gsa.gov/cic_text/money/creditscores/your.htm
All about FICO scoring.

Hope this answers your question

Know better? Leave your own answer in the comments!Question by Avacodo: Credit REPORT???????
when i activated my credit card they asked me to verify the make and model of my car?

how do they know, it is a diff. company? my credit report doesn’t say.

how do i see the credit report they see that has make model?

Best answer:

Answer by Millie
I’ve never been asked this. Kinda strange.

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