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This one is involved. I am 59 and married, we had a income of 85,ooo until 3 years ago when I was sick, lost my job and have not been able to find a job. My husbands income is seasonal so we had to float his winter payments as well. …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

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Hey Gang, returning with another question after you guys so generously answered one a few months ago.  It really helped me and I thank you.  Here is my new question.

I had a terrible period 7 years ago in college where I was very poor and didn’t pay some credit cards …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

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How much does a tax lien or a bankruptcy lower your score?

Laura

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Hi Laura,

That’s not a simple answer.  For example, an individual with an 800 credit score would experience a much more significant drop than someone with a 500.  It’s going to vary depending on your present credit score, credit …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

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Hi Paul,

We currently have a horrible adjustable arm mortgage we were about to refinance when yesterday my husband has been laid off from his job.  Is ther any way to get the bank to lower the monthly payments (2,300)

PIP

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Hi PIP,

Yes, it is possible.  Watch our free thirty-minute seminar How …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

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Verizon is listed on my report as a charge off. The collection agency has the account now and is also reporting on all three. Even if the collection agency accepts my PFD how can I get Verizon to take theirs off?

David

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Hello David,

The question is somewhat vague, so I’ll answer …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

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I’m new to the site and appreciate all of the information.  After too many years of burying my head in the sand I am ready to take on the collection accounts and charge off’s that have dogged me. 

I have two questions for you. 

My wife and I sold our home in …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

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Great site! Has been lots of help to me in repairing my credit! Keep up the great work!

Anyhow…I have found literally dozens of errors on my credit reports. My question is this: Should I dispute ALL of the items from one bureau on a single dispute or ‘break up’ the …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

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Hello Paul,

Great site!

I have a few questions:

I’m considering filing for a Chapter 13 because I’m behind on house payments. I have a property that has two different zonings–the front house is zoned commercial and has been used and rented commercially and the back house is zoned R-1.

I’m wondering if I …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

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After Suzanne Sloane discovered that a thief had stolen her identity and ruined her credit, she notified the police and sought to have Equifax Information Services, LLC, a credit reporting service, correct the resulting errors in her credit report. The police promptly arrested and jailed the thief. But twenty-one months …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

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I had a collection agency call me on New Year’s Eve at 7:00 pm to inform me that they have filed both a civil suit and a criminal charge against me in the Dallas court.

The debt to which they are referring was charged off by Chase bank in 1999, and …

Original article from: Broken Credit Blog — Let’s Talk About Free Credit Repair Mortgages

Check out FreeAnnualCreditReports.org for your Free Annual Credit Report!