Comments on: RAISE YOUR CREDIT SCORE 200 POINTS IN 30 DAYS: Part 2 – Get Out of Debt Fast http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html Helping Smart Shoppers Save Sat, 20 Mar 2010 21:11:39 +0000 http://wordpress.org/?v=2.9.2 hourly 1 By: Eunice http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-6345 Eunice Tue, 29 Sep 2009 14:40:29 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-6345 My credit score dropped by over 200 points. I did not acquire any extra debt and I pay my student loans ($11,000) monthly. I recently applied for a credit card since I did not have one and the limit is $12000. I had three late payments on a student loan in 2006 which I want to dispute. How do I fix this and why did my score drop so drastically, over 200 points! My credit score dropped by over 200 points. I did not acquire any extra debt and I pay my student loans ($11,000) monthly. I recently applied for a credit card since I did not have one and the limit is $12000. I had three late payments on a student loan in 2006 which I want to dispute. How do I fix this and why did my score drop so drastically, over 200 points!

]]> By: Jessica http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-5940 Jessica Wed, 27 May 2009 22:59:24 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-5940 Your article(s) were very informative! I am currently looking for a home loan but did not relize that having my cc close to its limit, it was at apx 90% would drop my credit score in one month by 30 points. Now I will not qualify for the loan that I want. After reading your artice and others like it, I will not have this happen to me again., Now I know... Your article(s) were very informative! I am currently looking for a home loan but did not relize that having my cc close to its limit, it was at apx 90% would drop my credit score in one month by 30 points. Now I will not qualify for the loan that I want.
After reading your artice and others like it, I will not have this happen to me again., Now I know…

]]> By: How to Handle Debt Collectors — P2P No Bank http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-5826 How to Handle Debt Collectors — P2P No Bank Sat, 25 Apr 2009 23:59:37 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-5826 [...] RAISE YOUR CREDIT SCORE 200 POINTS IN 30 DAYS: Part 2 - Get Out of Debt Fast If I were to rename this series, I would use the phrase “The Good, The Bad and the Ugly.” Thus, last week’s article “Manipulate Your Credit” would become “Changes for Good Credit.” Next week’s “Cleaning Your Report” would become “Erasing the Bad Credit.” And this article would become “Alternatives...... [...] [...] RAISE YOUR CREDIT SCORE 200 POINTS IN 30 DAYS: Part 2 – Get Out of Debt Fast If I were to rename this series, I would use the phrase “The Good, The Bad and the Ugly.” Thus, last week’s article “Manipulate Your Credit” would become “Changes for Good Credit.” Next week’s “Cleaning Your Report” would become “Erasing the Bad Credit.” And this article would become “Alternatives…… [...]

]]> By: Mike http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-5697 Mike Sun, 29 Mar 2009 10:43:28 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-5697 Can I get some info please? Can I get some info please?

]]> By: tifney http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-5527 tifney Thu, 19 Feb 2009 17:19:38 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-5527 uh, cory, I don't recommend not paying your student loans. In most cases, these are not dischargeable in a bankruptcy, they continue on and on and on and on. The loan servicer is often very easy to work with, they will give you hardship deferments, lower payments, there are so many options. However, one way around a credit report; put all those pesky debts in on spouses name, ie: medical bills, electric, water, etc. Then, get all loans and credit cards in the other spouses name, ie: house, car, credit cards. Pay the house car and credit cards, never go more than 30 days late and that spouse will have excellent credit which provides purchasing power. As you have the income to pay off those pesky bills off the other spouses credit, do so. But, in the short term those credit hits won't hurt so much. Yeah, if you're the one with the lousy credit report, you take an chance in divorce being left with bad credit and much of the bill; don't divorce (or at least try not to). In addition, consider having the spouse with the highest income having the highest credit score. uh, cory, I don’t recommend not paying your student loans. In most cases, these are not dischargeable in a bankruptcy, they continue on and on and on and on. The loan servicer is often very easy to work with, they will give you hardship deferments, lower payments, there are so many options. However, one way around a credit report; put all those pesky debts in on spouses name, ie: medical bills, electric, water, etc. Then, get all loans and credit cards in the other spouses name, ie: house, car, credit cards. Pay the house car and credit cards, never go more than 30 days late and that spouse will have excellent credit which provides purchasing power. As you have the income to pay off those pesky bills off the other spouses credit, do so. But, in the short term those credit hits won’t hurt so much. Yeah, if you’re the one with the lousy credit report, you take an chance in divorce being left with bad credit and much of the bill; don’t divorce (or at least try not to). In addition, consider having the spouse with the highest income having the highest credit score.

]]> By: xaderia http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-5261 xaderia Wed, 14 Jan 2009 21:36:35 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-5261 wat is ur number wat is ur number

]]> By: Cory http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-4626 Cory Fri, 12 Sep 2008 22:34:15 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-4626 Just wondering, can a student loan garnish your wages and what are your thoughts on them on not paying, of that is even possible....! Just wondering, can a student loan garnish your wages and what are your thoughts on them on not paying, of that is even possible….!

]]> By: RAISE YOUR CREDIT SCORE 200 POINTS IN 30 DAYS: Part 3 – Clean Your Credit Report » American Consumer News http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-3387 RAISE YOUR CREDIT SCORE 200 POINTS IN 30 DAYS: Part 3 – Clean Your Credit Report » American Consumer News Sun, 02 Mar 2008 04:13:47 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-3387 [...] Part 1 of this series, I discussed how to manipulate open accounts to get your score up fast and in Part 2, I went over how to get out of debt quickly.  In this article, I go over the basics of what goes [...] [...] Part 1 of this series, I discussed how to manipulate open accounts to get your score up fast and in Part 2, I went over how to get out of debt quickly.  In this article, I go over the basics of what goes [...]

]]> By: Minimum Wage http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-3351 Minimum Wage Sun, 24 Feb 2008 11:02:16 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-3351 The time adverse credit items are supposed to drop off your credit report is something like 180 days after you became delinquent, plus seven years (The 180 days is typically how long you can be delinqeutn before your account is charged off.) Dishonest debt collectors will buy up your debt for pennies on the dollar, then will RE-AGE your account to keep it on your credit report longer. For example, I have several chargeoffs which SHOULD drop off sometime this year, BUT the debt collector that bought them re-aged then to '06 which means I will have to dispute those items and the collector will "verify" the '06 date and there won't be anything I can do because I don't have "proof". The time adverse credit items are supposed to drop off your credit report is something like 180 days after you became delinquent, plus seven years (The 180 days is typically how long you can be delinqeutn before your account is charged off.)

Dishonest debt collectors will buy up your debt for pennies on the dollar, then will RE-AGE your account to keep it on your credit report longer.

For example, I have several chargeoffs which SHOULD drop off sometime this year, BUT the debt collector that bought them re-aged then to ‘06 which means I will have to dispute those items and the collector will “verify” the ‘06 date and there won’t be anything I can do because I don’t have “proof”.

]]> By: RAISE YOUR CREDIT SCORE 200 POINTS IN 30 DAYS: Part 1 – Manipulate Your Credit » American Consumer News http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html/comment-page-1#comment-3349 RAISE YOUR CREDIT SCORE 200 POINTS IN 30 DAYS: Part 1 – Manipulate Your Credit » American Consumer News Sun, 24 Feb 2008 08:26:54 +0000 http://www.americanconsumernews.com/2008/02/raise-your-credit-score-200-points-in-30-days-part-2-get-out-of-debt-fast.html#comment-3349 [...] RAISE YOUR CREDIT SCORE 200 POINTS IN 30 DAYS: Part 2 - Get Out of Debt Fast [...] [...] RAISE YOUR CREDIT SCORE 200 POINTS IN 30 DAYS: Part 2 – Get Out of Debt Fast [...]

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