Credit Repair & Debt Relief Issues

Kari asked:

I am almost 7 years out of BK as of March ‘07. I have a car loan and a couple low limit but hight interest credit cards that I have paid on religiously since.
I keep looking for better deals, but anytime I apply I get bankruptcy as the reason for denial.
How long will it take for me to get back to where I was. I had perfect credit before a personal and financial breakdown.
Please only answer if you really know what your talking about. Thanks!

mommy23girlys asked:

My bankruptcy has been discharged for two years now. Mostly all the debt on my credit has been deleted, but there are about 6 items left. On the report, it says in the comment section “included in Chapter 7 bankruptcy”. How can I get the remaining ones removed?
Yes, the items remaining were all included in the bankruptcy. They say “included in bankruptcy” and it has been discharged. All the the other accounts were deleted off my credit. But there are 6 still on there. I thought I could just have them removed also since they were with the bankruptcy.

Krista F asked:


I recently switched jobs making significantly less money. Now I am past due with bills and am getting some pretty rude calls from creditors. I want to pay them but am having a hard time. I have been seeing commercials about debt settlement and needed some help deciding who to go through. I have a little less than $12,000 to pay off. Please site sources when you can and THANKS ahead of time!

Airic C asked:


I have some credit card debt and I don’t know what credit card company to consider, either a “CCCS” or Debt Settlement company. Is there a better alternitive to either?

SMCL asked:


I am going to go through a debt settlement with my significant other as an alternative to bankruptcy. We’re both young, and planning on advancing in our careers. Would a debt settlement work against our odds of landing the perfect job, even if we are the most qualified??

yamtheman asked:


When researching debt settlement companies, how do you know the best one to use? It is a fairly new industry and most companies are 5-7 years old. How do you know they are reputable?

stan450z asked:


I am a senior in college, I have no job now as I am finishing school. I start work in June, and I actually have good credit, over 700, and 5k in credit card debt. I’ve paid my bill in full always in the past until my last killer spring break. Debt settlement sounds cool to cut the debt in half which I would pay off with a lump sum, or should I just stomach it for another month where I can pay it all off entirely in full. Thanks.

Peace Lover asked:


I recently heard on radio about a debt free program. They officially negotiate on your behalf with the credit card companies. What may be the Cons? Is it safe to rely on Debt Settlement Program to free from one’s credit card debts? How may it affect one’s credit score?