sonianrodriguez30 asked:


I want to fix my credit. I notice that me doing it on my own is a littler harder than expected. Anybody knows any good company that deals with fixing credit they can recommend or any other good suggestion? Please help

Dr. Rockso asked:


I think my credit score is funked up. I used to own a house and I missed a payment or two when I was laid off from my job. I sold it and I paid off all my credit cards. I recently applied for a credit card and was denied.

I need to fix my credit score. Any suggetions?
I dont have any bills because I PAID OFF ALL MY CREDIT CARDS. I cant even get credit to pay down the bills early.

SGMD84 asked:


I have already used my free trials at the big three credit bureaus, and don’t want to have to pay too much to see my credit score. I’ve found ways to see my credit score for $15 but I’d rather spend less than that. Any suggestions?

A FICO credit score is the complex calculation of all of your past financial activities into a numerical score between 300 and 850, 300 being the worst and 850 being the best. Your FICO score is used by financial institutions to determine whether you are suitable for a loan or other credit related service.

It is very important for you to understand how your FICO score impacts your financial opportunities and, as a result, your life. Your FICO score is based on your credit report. A credit report is a history of all previous financial activities, credit cards, utility bills, mortgages, and your payment history. A better credit history results in a higher FICO credit score. Banks and other lenders use this score to evaluate your likelihood of making future payments on time, thus reducing their risk.

FICO scores range between 300 and 850, and can be grouped as such:

700 – 850 — Excellent or Very Good Credit

680 – 699 — Good Credit

620 – 679 — Okay or Average Credit

580 – 619 — Low Credit

500 – 580 — Poor Credit

300 – 499 — Bad Credit

Your FICO Score is a very important number when it comes to your finances, it shows lenders your reputation and tells them how much trust they should bestow in you. The higher your credit score, the more you will be able to pick and choose the terms of your loan, including lower interest rates. Make monitoring your FICO credit score and credit report part of your yearly financial routine. If you let your credit get away from you it could take years or mind numbing frustration to get it back into a desirable range.

How Do I Check My FICO Score and Credit Report?

By: Zach Ford

About the Author:

when and how asked:


Now I know people say 7-10 years, but when does the clock start? Is it 7-10 years since the adverse inccident or 7-10 years after the last updated reporting onto your credit report?
Lets say you had a credit card that was included in a bankruptcy that was discharged in 1/2005 for example, but then in 1/2006 you disputed it and they confirmed once again that it was discharged in bankruptcy, would it be 7 years from 2005 or 7 years from 2006?

gabriel i asked:


I am 30 years old and I have bad credit for many different reasons. I would list my excuses but it does not matter. I really want t to fix my credit. I have like 4 good accounts and the rest (12-15 accounts) are bad. They are all in collections and I have already talked to a person who specializes in fixing credit. I want to avoid paying them so much money to fix my credit. My mother may help me fix my credit by fronting half of the money. I will be paying off my truck later this year and have around 400+ dollars a month. What are some ways that I can contact the credit collectionns myself and making arrnangents? I can print my credit report and do this myself if needed? any advice?

sandalchickadee86 asked:


I am looking to consolidate my private student loans and am wondering what credit score I need in order to consolidate them. I am looking for a rough estimate. I know that the loan industry is really tight at the moment but I also know that I need to consolidate them or else I will be swimming in student loan debt.
These are not government loans, they are private student loans and must be consolidated in the private sector. I should add that. Thanks!