Deals

How to stimulate the economy in one simple step

There is 400 billion dollars of unspent stimulus money just laying around unused, that also happens to be roughly the amount of money the nation collects in taxes in 3 months.  The idea I heard today, (and I heard similar ideas when the stimulus bill was first being presented) why not suspend all payroll taxes from October through December, and let us all have our whole paychecks for those months?

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Baddie disappeared and is back ! Need advice.

I had a baddie in the amount of 744.71 disapear and I assumed that it was because I had disputed a year or so ago abunch of accounts. Didn't even remember which ones.

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I am unsure what to do now

  I  have been out of college for more then three years now and I have been paying my student loans every month and on time.

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Want to buy a car

My score has gone from 627 to 669.  I have the following issues:   1.  Two very high credit cards (99% of limit) 2.  Five late payments on my car loan in the last two years 3.  Overdue account   In the next four weeks, I will have paid off both credit cards (paid down to $0 or $5.00, not closing accounts), have no late payments, and paid up my overdue account.  I'm wondering two things:   1.  How high and how fast might my score rise and (2) can I get approved to get another car loan?

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Deferred Student Loan Payments

I have several deferred student loans through Sallie Mae that I am going to start making payments on.  Does anyone know if these payments will show up as a "good payment" record on my credit report even though the loans are still in deferment?  I wanted to make payments while the status was still in deferrement, but if the payment record will not show up on my credit report then I may need to "activate" these loans and then make payments.

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Credit one bank card?

My husband got this offer in the mail and I was wondering if I should accept the card offer instead of forcing him to to to his BofA bank and getting a secured card?

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Goodwill letters to Student Loan Companies…who to address it to or email

I have a couple of late student loans on my record, which I am hoping to get removed after writing a series of goodwill letters. I changed bank accounts and forgot to update that info with the companies that were automatically deducting funds.  Brilliant, I know!  I have the letters written, but now have no idea who to address them to

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Improving Score to Apply for Loan

I have been working on my FICO score since last year. I have managed to get it from 648 to 674, primarily by disputing items and getting a secured $200 credit card

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Dispute Stident Loan

I have a student loan that was sold from one agency to another but somehow the old agency reported for not paying in 2 months. I called both agencies and they both claim that they did not report it

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Is Paying Down a Line Of Credit The Quickest Way to Raise Score?

Hi!  Just a question...my husband needs to raise his score by 20 points in order to apply for an FHA loan.  He seems to be stuck at 595 and it is taking forever to make things happen!  He has a credit line at a local bank which has a limit of $2500 and has been paid down to $1600.  Would paying this down to about $500 do the trick as far as raising the points quickly?  He had 2 very low limit credit cards which had been charged off about 3 years ago but are still being reported as open....is this what is hurting the score?  Should we just pay those off?  I don't want to do the wrong thing, but it is so confusing! 

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