bo majors

Hello Bo Majors, I attempted to settle an old credit card today and the bank offered $275 instead of $476 and would send a legally paid in full for less than full amount.  Is that good or bad and will it hurt my score drastically????? I want to know because I was told by a [...] - bo majors

Income to Unsecured Debt Ratio to Improve Score what should my unsecured debt ( credit cards )  to income ratio be for a great credit score.     —————————– income has nothing to do with scores it does have to do with getting quailified for loans sometimes home all the time car loans when your [...] - bo majors

Re Open Closed Cap One Credit Card Get Good Credit Your website is awesome and has helped raise my score from 601 to 682, 701 and 726 respectively with the 3 credit bureau’s! Yea! my question is regarding a Cap One credit card. Before moving to a new part of the country, I paid balance [...] - bo majors

Judgment from my ex husband’s business on my credit report I was a stay-at-home mom for 15 yrs. My husband owned several businesses, one of which filed a $75,000+ judgment against him. He eventually filed bankruptcy, sold our house, bought another house and sold that 2 yrs later when we were getting a divorce.   [...] - bo majors

Building Credit After Chapter 13 Bankruptcy How do I get a high credit score after that? Also how does one build a high score with little or no credit? ————————— you keep any of your loans you reaffirmed and paid on time you open new credit cards … secured if you have to and you [...] - bo majors

Collection Sold and Re Reported How Do I Get One removed Mr Majors: I read your website and was very very hopeful. So, I started writing letters to the CDB’s. Then I called CSC/Equifax asked them just exactly how they  “verify” or validate the actual facts about the collections and negative accounts.     The [...] - bo majors

Judgment On Credit Report From Car Accident Never Heard From Insurance I have a judgment on my credit report from 7 years ago. I never heard of it until I got my credit report. It was from an accident I had with a friends car and was handled by the insurance company. The lawyer never [...] - bo majors

Dispute Collection On Credit Report From Apartment Complex  Do I have the right to dispute a collection on my credit report from an Apartment Complex.. I broke my lease due 3 months early because there were water leaks in my ceiling in several places and I called maintenance to come fix it. They never fixed [...] - bo majors

How Long does a BK Bankruptcy Stay on My Credit Report 10 Years My BK was discharged on 01-2001, it is still showing up on my credit report, I have sent a dispute to Experian with no success. I keep hearing that BK should go off your record after 7years, also heard that it will [...] - bo majors

Credit Card Charged Off Sold to Third Party Remove From Credit Report What should I do if I had a credit card back in 2004 that had a $400 limit that was deemed charged off.  It was sold to a “Third Party” Company.  I want both of them off my record. I was thinking about [...] - bo majors

Trying to Get My Equifax Credit Score Up to Get A Sunoco Credit Card Two my credit scores are a 706 and 703 but equifax is a 613 and i have been trying to get the credit improved and i just started wrting letters to the companies and to equifax also to get it, I [...] - bo majors

One of My Bad Credit Accounts Is Not on Any of My Credit Reports I have been settling my credit debt for a couple of years now. I just realized that one of my credit accounts that I request be closed back in 2007 is not being reported on any of my 3 credit reports. [...] - bo majors

Need to Improve My Credit Score Quickly 563 Get Home Loan 620 need to improve my credit score quickly! I am currently sitting at 563 and need it to be higher than 620 to get a home loan. There are 3 collection debts on my account, and I don’t even know what 2 of those [...] - bo majors

Trying to Get a Loan Kids Using My Social Security Number Question: I was trying to get a loan and they said that my kid’s were using my SSN. How can I check to see if this is so. I need to contact a representative from the Free Credit Report and I can’t seem to [...] - bo majors

How Much Will My Credit Score Go Up If I Pay Off Collections Debts Cards I came across this website with your email address and some interesting information about credit. I am currently working to improve my credit which is horrible.. yes horrible. I have alot of little debts that need to be paid (a [...] - bo majors

2 Credit Card Charge Off Accounts 550 Fico Score I have a question about 2 of my credit cards. Both are charge off accounts and I have disputed them both. my household bank card changed my report as owing half of the original debt. My applied bank card is another story. They verified that the [...] - bo majors

Trying To Purchase Vehicle By Summer Credit Score is 560 I have a question. Im trying to purchase a vehicle by the summer time. My credit score is 560 and I’m trying to improve my poor score. Mainly because of several late pays on my mortgage and present vehicle. I only have $4100 left before [...] - bo majors

Motorcycle Accident Hospital Collections Debt Collectors Last February, I was involved in a minor motorcycle accident where I suffered a broken rib and collar bone. I went to the ER at Trident Medical Center, and they performed an x-ray and prescribed some pain killers. I gave Trident my insurance information, and they charged me a [...] - bo majors

Bad Student Loan One secured Credit Card Credit Score 470 My current score 470. I’m trying to improve it to about 670. The problem bad student loan and no other credit. I’ve just got one secured credit card and refinanced the student loan. What other things can I do to improve this score right away [...] - bo majors

Statutes of Limitations on Judgments 7 Years is Up 1. I HAVE TWO JUDGMENTS ONE IS BY THE COURTS AND THE OTHER IS PRIVATE BUT BOTH ARE SEVEN YEARS OLD ARE THEY PAST THE STATUES OF LIMITATION IF SO HOW DO I REMOVE THEM ? 2. I HAVE TO MANY ADDRESSES THAT I NEVER LIVED [...] - bo majors

729 Credit Score How Will Our Score Be Impacted if We Pay off Credit Cards Our credit score was 729 out of a 300 to 850 range prior to refinancing. How will our credit score be impacted if we pay off the following loans in lump sum payments? My wife and I recently refinanced our [...] - bo majors

Paid Citi Card Less Than Minimum Payment for Years. Collection  I paid my Citi card bill in a timely fashion, when I moved to Houston there were mailing address issues, and I continued paying the bill. Unbeknownst to me, I had been paying below the minumum, only paying the amount I had been told. With [...] - bo majors

Improving Credit Scores Trying to get a credit score raised from 680 or 690, the middle score, to 700 to get a non-FHA home loan. Could a February 0% down 0% finance car loan be the culprit for the lower score? It is one of those 0% interest, 0% down loans? Other than this, there [...] - bo majors

Uping my Credit Scores   My credit score is 576.  My credit report says I have 0 debt, 100% credit because I don’t have any revolving accounts.  I would like to raise my score to at least a 626 as quickly as possible and am not sure about the advice I have gotten.  My realtor [...] - bo majors

Get Good Credit w Credit Cards After Chapter 7 Bankruptcy Hello Bo,  I have been reviewing your credit information site. I must say, its very informative. I have a question for you. I went through a devastating divorce in 2000. I had to file a CH-7 bankruptcy. I have, as your site advised, been reviewing [...] - bo majors