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  • Open Question: My "Tier 1" (first 26 weeks) of unemployment is about to run out. What is it I need to do to continue?

    I am sure this has been asked and answered a million billion trillion times online over the last few years, but the answers I find when asking for myself are much more detailed response and/or the person(s) asking are in a more advanced stage of unemployment insurance benefits than I currently am now. My last day of work was November 2, 2009, but I didn't get unemployment benefits until either the end of April 2010 or the beginning of May 2010 because the company had scared, tricked, suckered into believing that I signed a document stating that I forfeit all of my unemployment insurance. Luckily through online resources such as Yahoo Answers, for example, I found that a person cannot be forced into surrender your benefits. Anyway, I’m in so much trouble and I’m still young. I had no income from 11/2009 – 5/2010, and so I had to pay everything with my credit cards, my savings, and by borrowing money from relatives and friends. Eventually I had to start selling things. I was watching everything I had work for circle the drain and going right down it. By the way, Cobra canceled on me of all things and I’m a pain patient and have been over 2 years now and have to go in for monthly treatments (for recovery) and of course medication and I cannot afford that. After months of doing everything in my power other than stealing or prostitution or any other god forsaken thing for money… I mailed my payment in to them on the 2nd of May, and it was supposed to be mailed on the first of each month. I had mailed it on the first of the month in Nov, Dec, Jan, Feb, Mar, Apr and almost every month I’d get a letter in the mail stating that my insurance had been canceled due to non payment. This would immediately cause a feeling of possible heart attack mixed with the feeling one would imagine feeling when learning of a friend or loved one’s death. I’d call and they’d tell me not to worry that my payment had been processed. I mean over and over again they would do this… SO in May when I got that letter of course I had learned by then that they just automatically send these (they system that is) if it gets to a certain #Date before the balance in your account was satisfied. When I went to get my blood pressure medicine I was told I no longer have insurance. So needless to say I’m about at the end of my rope. I have 12 years experience in sales. I do my own thing with basic website (I’ll get the name for the customer, host it myself, build it and do upkeep), I do graphic design, I also do customer PC builds, repair, programming, cleaning, virus/spyware removal, networking… Those are my two prominent skills. Problem is I don’t have a degree. It doesn’t matter that I have an outstanding sales record with reference letters from Presidents, CEOs, managing partners and hand-written letters from execs thanking me for the wonderful job I do…, the college graduate will get it before me, or either I won’t even qualify for the position anymore because it’s now list as a requirement more and more. My question is… In light of the fact that I am 30 years old with serious (not life-threatening) health issues that cause me to live in pain from day to day. I am up to my ears in debt, and The stress is so much I’m starting to get very angry very quickly with my pets or my friends and I’m nearing the end of my 26 week round of unemployment. I cannot get a clear answer what if anything needs to be done to make sure I get my benefits continued without any sort of gap in payments. If I have some sort of interruption it’s all over with I’m afraid. I hope no one is too critical of what I’ve said here and starts throwing at me that people are living on the street and other worse cases than mine. I know that there are and I feel terribly sorry for those people. I’m just a little scared and don’t know what to do. Any help on this subject would be more than welcomed. By the way... The state I live in is NC

  • Open Question: should i pay my charge off debt?

    i'm trying to repair my credit, i only have 2 accounts listed in collections on my report. One is an auto loan from 2 yrs ago. Its listed as Charge off...bal 6k. I contacted them to see what my options are, but to my surprise they gave me the run around and eventually directed me to a voicemail..... so now i'm wondering/researching the benefits of even paying this charge off in full or what are some other options to help raise my fico. On experian.com it says if i pay that collection, my score would jump up to 60pts!?!? i'm skeptical of the truth behind that....any suggestions???? Alpha: Thank you!! greatly appreciate your feedback and i will definately give that a shot. :)

  • Open Question: Personal Loan / Bad Credit / Co Signer / Collateral?

    I want to get a personal loan around $3500 (to pay off old credit cards, and repair my vehicle) I have bad credit (score around 550) My mom will co-sign and she has good credit. I would also offer my paid off vehicle as collateral if necessary, and she would do the same with her SUV. Do you think this is possible? Can I find a bank to lend me the money? If so, Any suggestions on which banks to consider?

  • Open Question: I have to go back to High School for a semester, what should I do?

    I need to go back for credit repair (I think about 11 credits). Hopefully I will be done by November 2010. Can I take this opportunity to apply to schools like UAlbany, or other universities instead of going to a community college? I'm going to retake the SATs as well. Or do I still have to go to a community college? My GPA is like a C/C+. I was going to attend community college, I already was for 3 weeks until my HS called me back.

  • Open Question: When are scores updated on credit report?

    We are currently working with a reputable credit repair agency to fix our credit reports..we just don't have time to do it ourselves. They have gotten all but 2 negative items removed from my credit report during this last phase, which was around Sept. 4. When will I see how this change impacted my credit score? I checked my score online & it's still the same today as it was a few wks ago. Ex: of things removed..bankruptcy & about 10 negative items on all 3 credit bureaus.

  • Open Question: Should I have tipped the jeweler?

    Today I had my ring repaired by a local jeweler in his shop. He told me beforehand the cost, and I intended to use my credit card. However, it turns out his shop did not accept credit, and the total ended up being exactly what I had in my wallet (how's that for luck?) Though in this situation it was impossible, I was wondering if it would have been standard protocol for me to tip the jeweler for his services? He did a really nice job and I was very pleased and I felt I should somehow show him this, but this is a rare situation and I am unaware of the etiquette. Thank you!

  • Resolved Question: Are the any similar free classified ad website like craigslist and backpage?

    I need more free classified ad websites and other free forums of marketing publication for advertising for my credit repair services.

  • Resolved Question: Please review this and let me know what you think? :)?

    I am applying for my first Studio, its a low income housing complex that has a very intense screening process. They pull your credit report and it has to be at 650 or higher (Im at like 653 w/ Experian- but I dont know what bureau they use that might make my score a little lower. A coworker has suggested turning in a friendly statement of facts along w/ a copy of my experian report explaining any points they may possibly view as negative. Please read the below and let me know if you think its too much? Its okay? Any advice much appreciated! ******************************************************** This is my personal statement regarding any possible negative points of my credit report in further detail. Possible Negative Point 1- Large amount of money owed in total: This is for one reason only and that is my student loan amount. I attend a private nursing school and have needed to take out a US Dept of Education loan on the tuition cost. I have been paying back interest that may be building up here and there, but the large amount of money I owe is due entirely to student loans. These are government funded loans and I am not scheduled to begin paying these back until 6 months after my graduation date. My auto loan remaing balance is under $1000, and per my credit report you can see that it will be paid off in full with 3 more months of regular payments. Possible Negative Point 2- Low Credit Limit on Revolving Credit Card, and amount owed closer to the total limit: I recently had a emergency large ticket item on my vehicle and had to turn to my credit card to help pay for the repair. Per my credit report you should see that I have only been over the limit once by error but have maintained this credit card in good standing and most often with very low balances since I received it when I turned 18 in 2006. Things I would like to be considered: I am 22 years old and am currently bulding my credit. I have never taken on a financial responsibility I wasn't able to handle and my credit report should reflect that as well. I had a $9,000 car loan that I obtained in May 2008 set to last for 4 years. Through timely payments and extra payments I will be done with this loan much ahead of schedule by the end of 2010. I have also attached a copy of my Experian Credit Report in full detail as I obtain those free with a monthly subscription in case your source of credit reports don't provide enough detail to support my facts above. I appreciate you taking time reviewing my statement. I would very much like to be approved for this apartment and therefore felt the need to point out the reasons for any possible negative point of my credit report in further detail. "My Name"

  • Open Question: nokia n73 need help ! wont send messages !?

    I just got a nokia n73 to use while my iphone is in for repair, and it works fine, apart from it wont send messages to anyone even with unlimited text upload, and 20 pounds credit. It rings people fine, but it just says " failure to send text" everytime i try, almost 20 seconds after the message was attempted to be senft I need messages to send at school to organise my lifts as my bus it unreliable and i live miles away from school, so any help is majorly appreciated

  • Voting Question: Help w/ a Leased Car?

    Hi everyone, I currently own a '10 Lancer SD. There was an accident that happened recently (hit and run) so there is damage on the side door, front bumper, and there is a problem with the car transmission. I went to a friend and a car dealer for advice and they said the estimated cost for the damage can range between 1k-2k. I do not own the car, but it has been on a lease for a little over half a year now and I believe I have about 3 or so more years to go until my lease is over. What is my best option? 1. Call insurance to fix the repairs. 2. Trade in my car for another car (is this possible even though the '10 Lancer is on a lease?) 3. Other My real question is.. is there a way to trade in my leased car for another car that I can OWN (and not lease... I do not want to lease anymore). From the advice I got, the best option was to trade in the car for another car and just pay the penalties. What penalties are we talking about here? And will trading in a damaged leased car affect my credit score? Thank you for any answers!

How Can I Repair My Credit? Help From Google Blog Search

  • Articles Galore » Blog Archive » Repair My Credit – Learn Some ...

    The question of how to repair my credit is one asked by thousands of people from all over the world practically every day. There are a number of little secrets to help raise your credit score, and it is something you can do yourself, ...

  • How to fix my credit report - Bad credit debt consolidation loan

    Many companies tout statement that "fix their credit report legally" in those days. But what does.

  • How to fix my credit report – Bad credit debt consolidation loan ...

    How to fix my credit report – Bad credit debt consolidation loan. Posted by Credit Repair Guru on September 10, 2010 Leave a comment (0) Go to comments. WellI have good news and good news for you. The truth of the matter is, yes, ...

  • How to Raise My Credit Score in credit score scale ? | Debt Help ...

    A large number of credit card users find that their credit score rating for the duration may have dropped off suddenly, from a good rating to a.

  • How Can I Get My Credit Score Up? « Huntington Beach Mortgage ...

    How Can I Get My Credit Score Up? « Huntington Beach Mortgage Oracle. Posted by Credit Repair Guru on September 10, 2010 Leave a comment (0) Go to comments. There are hundreds of credit repair companies all over the internet trying to ...

  • Small Business Loan Credit? Business Credit Loan? | Debt Help ...

    Dispute My Credit Cards. Fix invalid marks on your Credit Score. RSS Feed. Small Business Loan Credit? Business Credit Loan? | Debt Help … Posted by Credit Repair Guru on September 10, 2010 Leave a comment (0) Go to comments. Do you know any ways to get help on debt help and credit repair ? If no, then you do not have to worry at all. You have come to the right place to know about everything. Read this article: Small Business Loan Credit? Business Credit Loan? ...

  • Debt Free News From A Debt Free Reader #12 | Enemy of Debt: Where ...

    Dispute My Credit Cards. Fix invalid marks on your Credit Score. RSS Feed. Debt Free News From A Debt Free Reader #12 | Enemy of Debt: Where … Posted by Credit Repair Guru on September 10, 2010 Leave a comment (0) Go to comments. If you worked your butt off to release yourself from the chains of bondage that debt guarantees, the chances of giving up the greener grass, for the quicksand express is pretty much NULL! The Debt Consolidation and bankruptcy route … ...

  • Go For The Best Debt Management Plan | Credit Repair Facts ...

    Dispute My Credit Cards. Fix invalid marks on your Credit Score. RSS Feed. Go For The Best Debt Management Plan | Credit Repair Facts. Posted by Credit Repair Guru on September 10, 2010 Leave a comment (0) Go to comments. We find that many people end up getting trapped into the clutches of exorbitant profit making credit card companies and those dealing with loans. They, however, are legally justified in promoting their products and services and luring … Visit link: ...

  • Credit Repair Agencies | My IRS Debt Tax Relief

    Credit Repair Agencies. September 9, 2010. credit repair agencies. How I can start to repair my credit without agencies? The first step is to request credit reports from all agencies tree. If you live in the United States, ...

  • Repair Credit Report For Real Estate Investing | Debt Help ...

    bit.ly Many starting real estate investors shy away from getting in progress because of the condition of their credit. They all need an answer to the question: How do I repair my credit so I can pursue my real estate investing business? ...