3 steps to clean credit

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  Posted by Andrea Thu Aug 20, 2009 6:38am PDT

  blah blah blah.... lets talk about ways to get old, paid debts off of your credit report.

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  Posted by EW Thu Aug 20, 2009 8:25am PDT

  This is absolutely true, but I would begin by telling people to PAY THEIR DAMN BILLS! Stop living outside of their means. I can not even tell you how many people I know live in debt. They never have any money and then when they go out they immediately pull out the credit card. I just dont know how they do it. Meanwhile, me and my husband do our best to maintain a good lifestyle. Our score is now almost perfect and believe me it has taken us about 5 years to get it that way and alot of sacrifice. There was a point where I used to get embarrased because I could not go shopping with my girlfriends who used to spend 200-300 dollars on bags. Well, right now I have a house and they dont. Go figure.

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  Posted by Sandy Thu Aug 20, 2009 10:41am PDT

  Seriously did you ever think that maybe people don't live outside their means. I'm a single mother doing it on her own with no child support. I pretty much live paycheck to paycheck. Guess what my debt is paying off medical bills and even though I'm paying them monthly they still send it in to collections, nice! What do you think is going to happen if something happens and I need more money than I have, it's going on the credit card. So not everyone lives in debt because they spend beyond their means. I do pay my bills they just aren't always on time since we pretty much live paycheck to paycheck.

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  Posted by Ellen R. Day Thu Aug 20, 2009 11:12am PDT

  If anyone is seriously interested in cleaning up their credit, please contact me. I have 18 years of experience in the field of Consumer Credit, Debt Collection Abuse and ID Theft Matters. My website is: www.nclc.law.officelive.com. My office email address is: newcenturylegalctr@yahoo.com or nclclawcenter@comcast.net. I am the Author of The Credit Work Book and The Ultimate Debt & Credit Handbook.

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  Posted by J Thu Aug 20, 2009 11:33am PDT

  cherishsands - questions since you put it out there if you don't mind: why don't you get child support is the person in jail, dead, living in FL? Just curious if you don't mind sharing.

  My mom was a single parent w/o child support. Are these medical bills for you or the children? I do agree with you that when you live pay check to pay check - if(when) an emergency happens you'll need to put it on the card.

  Do you have a lot of non medical debt? (not picking on you I'm going somewhere with this)

  What I've noticed with helping loved ones is that one side is the emergency and the other is usually an income issue. If you had more coming in then you'd be able to save and when an emergency happend you'd have something to fall back on - not the cards.

  Is say not to credit cards. I did a quick tally of my limits and with the exception of one I can save up the limits on them all and just have cash for an emergency (in the long run). It's difficult to build a cushion but as you have children that means you get a child credit and should be able to get a tax return. Why not take half of that and put it in the bank.

  I don't know what state you live in but help is available.

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  Posted by Trini Thu Aug 20, 2009 1:03pm PDT

  I am single, young and I don't have any kids...I'm actually a student that goes to school at night and work two jobs...now I don't have BAD credit per se, but I can't get a loan or school on my own because my debt to income ratio is too high!...No I do not live above my means, but when you calculate rent, car insurance, life insurance, all utilities, phone bill credit card payments etc. it becomes a little hard to pay your bills on time EVERY TIME. So cherish, some people on here may not understand because they are either perfect or never went through what you're going through, but I do feel your pain. Just continue to read much constuctive advice and take it one day at a time. Please do ignore self-righteous people. God bless.

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  Posted by keep it real Thu Aug 20, 2009 5:04pm PDT

  paying off your loans and bills will help your credit a lot. also, paying your stuff on time makes you look really good.

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  Posted by single mom Fri Aug 21, 2009 9:57am PDT

  I have been a single mother for 12yrs. My daughter is now 17 and will be graduating this coming year. I understand very well why it is important to live within your means. I am fortunate to have a job with very good health insurance. I have lived without even having a credit card for the past 12yrs. It didn't take long for me to adjust to living a cash life and I can't imagine worrying about credit card bills coming in the mail. I haven't heard anyone suggest getting a part time second job. No one enjoys doing this but it can be very helpful in not only getting yourself out of debt quicker, but you can put some aside. People have asked me if this bad economy has hurt me financially and I respond that I'm already used to a low standard of living. I sympathize with the single mom, no child support and medical bills on top of everything else. Been there done that. Dealt with it for years. Have you considered getting a roommate with a child to help pay the bills? If you had a roommate with their own child and you two worked opposite shifts you could both watch the children while the other is at work. Not only would it save a TREMENDOUS amount of money, it would allow the kids to stay in their own home and they would have a playmate.

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  Posted by Peter A Sat Aug 22, 2009 10:36am PDT

  I am not sure this is the proper place for my opinions. I am very opinionated about so many things in life. And yes,life is number one. I gave life twice. I have two handsome sons. They both have a tough road to hoe. For the reason that I am mentally disabled due to a Jeep accident. And social security does not have many benefits. It helps you get by,meaning that exactly. I must always be very frugal.

  And to pay bills,on time is imposable. I get my check at the end of each month. And keeping up with a mortgage payment,truck repossession,water sewer,electricity,heating oil,gas for the vehicle,vehicle repairs,cloths and nutritious food. Seems impossible,it's not Cause God is a strong enforcer in my life. Even though I must pray every day. It is he that gives me that day ! peter_ankers@yahoo.com

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  Posted by Tina D Sun Aug 23, 2009 3:33pm PDT

  for you military personnel or their dependents, freecreditreport lets you view your credit reports for $7 a month which isnt too bad because i was paying $30 before i found out. just thought id share that info.

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