Credit Repair & Debt Relief Issues

Shorty8708 asked:


My husband and I both have low credit scores 550-595 and student loan debt. I am graduating next year with my nursing degree which will significantly increase our income. We know the benefits of owning a home versus renting. We hope to buy a house within a year of me graduating. What do we do to prepare our credit and finances. I don’t want to have to wait 7 years for negative credit to come off our reports before buying a house.

Stone C asked:


Currently my credit score is very low as i did not make any payments since1999 and so on because of which 3 of my Credit Card companies charge off, reported loss or Cancel/Closed the accounts, and they in turn sold them to Collection companies who are reporting them every year to the credit bureau, by which my account looks so bad most recently they reported in December 2005, I know it’s my mistake and i want to repair it, Some one told me that even if i repay the whole thing still it does not help me as the history of past 5to6 years still remains the same in you history is their any other way which helps me in repairing my credit, Please advice me a good solution.

BOSSLADYP asked:


I really want to improve my credit score from being fair to good.

Jennifer K. C asked:


I a trying to build up and repair my credit score . Can someone give me some good advises on this?

Michelle asked:


I want to fix my credit fast, because my husband and I want to buy a new house in about 6 months. There a lost of credit repair companies out there. They say that they can remove bad hits on your credit report.

Has this worked for anyone? If so, which company? How much did you have to pay them? How much did your credit score increase? How long did it take?

Thanks a bunch!