felipe2121 said : )


I am looking for a Credit Repair Co. that is a bit smaller then the rest of all the major companies out there since i want personalized service at a resonable price, people who can actually help. If anyone knows of such a company, i would appreciate the help. Thanks

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mom03222007 said : )


I need to file for bankruptcy and I need a lawyer that is cheap and will let me do payments because I am a single mom. I have to file and because I can’t afford to pay all the bills and it cost a lot to file. Is there a way to file and be able to make payment on it? If so . Where can I go to get this done?

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My Mormon Utah said : )


I heard somewhere that some credit cards can damage your credit even if you pay on time and more than the minimum balance. Is this true? What kind of credit cards would be like this? Thanks for your help!

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betrayed said : )


Is it true that credit repair agencies delete bad items off of your credit report, if you have worked with one, what was the outcome and give me that agency name & #

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Momof2 said : )


I am filing bankruptcy on June 1, 2008 and am expected to receive my rebate stimulus check in July. Can the bankruptcy courts take my check to pay my creditors?

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Scagli3tti said : )


I called my credit card company and they said they mailed the credit card on Tuesday (1/15). When should I expect it to arrive at my home and do credit cards take longer to ship than standard first class mail?

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kiwi753 said : )


Can you please include the types of cards that a 19- year- old can get. What I mean is, some credit cards are difficult to receive based on age etc. I have a credit card and I dont like that company and I am about to actually close the account, but I want another credit card..

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Cody C said : )


Do you think it’s true? The SmartMoney.com article was very damning. I use a credit repair service and am very satisfied so the article confused me.

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Curt F said : )


Hi everyone.
I’ve been spending alot of time contemplating credit score issues and I am now considering applying for 4 new credit cards at once. However, I plan on never activating the cards for use or charging anything to the accounts.
I know my score will take a big hit for this one day of hard inquiries, but I think that in the long run it will greatly benefit my score because of the large increase in available credit with no increase in used credit.
But at the same time i’ve heard that when I go to apply for a mortgage, the banker will probably notice my available credit and use that against me.
My question is – what are all of the possible downsides of having many credit cards besides the obvious temptation of spending money you don’t really have?

Thanks so much for your help and I’m looking forward to your advice.
Thanks for the great responses – my score averaged from the three bureaus is 736 and all the offers were approved. In all honesty, my company’s stock just hit a 3 year low, so I am going to 0% cash advance the credit into my corporate discount ESPP program and flip the shares. I know this is not encouraged by most corporations – but hey the free money is hard to pass up.
Then I will reimburse the cards and let them sit until I see another opportunity of this sort. Thanks again!

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kush_smoka said : )


I have ok to bad credit – I keep getting offers for those credit cards that have $300-500 limits but they have ridiculous fees. I usually throw them away as I feel they rip you off.

I just got an offer for a visa with a $500 limit but it has a $100 signup fee and $11 monthly fee. My question is; would it be wise to get one of these cards to help build my credit? The fees are no problem for me to pay as I have a nice income now – I just feel it is a ripoff but I am willing to do this if it would help build my credit back up. I can also pay off the monthly balance or not have a balance at all as I pay for everything with a debit card now.

What do you think? I am trying to rebuild credit so I can buy a house.

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