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Credit Repair/Questions Answered by Expert Regan Shinski
| Subject | Date Asked |
| Establishing/Repairing Credit | 7/15/2011 |
| Q: Good Morning; I recently opened a Capitol One "basic" credit card account. Aside from paying my ... A: Specifically on this credit card, there is nothing you can do other than use it, pay it on time, and ... | |
| credit score | 7/5/2011 |
| Q: How many points could my credit score drop for unpaid hoa fees my score is over 800 thx fred A: The EXACT scoring method is a closely guarded secret so franky no one can tell you for sure. I can ... | |
| Credit repair | 6/6/2011 |
| Q: my Bankruptcy was discharged six years ago and I am having much trouble getting approved for credit ... A: Hard to say. Six months may be early. Are there any other positive accounts showing? Maybe try ... | |
| Charge-off | 5/31/2011 |
| Q: I cosigned for a vehicle loan back in 06 for my then fiance. She has since moved to Jersey and stop ... A: I believe your best bet is to find the vehicle. The reality is if it is in your name, you are going ... | |
| Negative accounts on credit reports affect applying for student loans | 5/18/2011 |
| Q: I have two negative accounts on my credit report one occured in 2006 from some missed payments on a ... A: Yes, it can damage your credit a decent amount. The specific amount is impossible to say as the ... | |
| fixing credit score for home loan | 3/25/2011 |
| Q: We live in new jersey and trying to buy our first home. We paid off the debt on my husbands credit, ... A: I'm afraid you are not going to like my answer. Unless you are literally only a few points away ... | |
| Deceased Husbands Credit Acct. | 3/22/2011 |
| Q: My question is about a shell gas credit card. My father-in-law acquired the card in the early ’90. ... A: I think she has to call them. One way or another this has to be addressed. There is a good chance ... | |
| Paying old debts and credit scores | 3/21/2011 |
| Q: I have recently got a letter from a collection agency saying that I owe a tv bill that went unpaid ... A: I would NOT pay it unless you are about to be sued. Even then, I may not pay it. It may be beyond ... | |
| Rebuilding Credit | 3/16/2011 |
| Q: I am currently rebuilding credit and just received my secured credit card with a $200 limit. I have ... A: Congratulations on starting the road to improving your credit! Since you are using a secured card, ... | |
| credit repair | 3/13/2011 |
| Q: I am planning a refinance of some rental property, and in the process have found out my credit score ... A: No one can tell you EXACTLY how much your score would increase, there are just too many factors. ... | |
| Omission of the Truth | 3/8/2011 |
| Q: I opened a Basic Checking Account with Citibank today but only because I was told that it would ... A: Are you sure you actually took a hard inquiry on your credit? This is not an unheard of process, ... | |
| Credit repair and judgments | 2/20/2011 |
| Q: My husband and I have been together for 10 years, both coming out of divorces we both had credit ... A: Judgments are difficult to deal with. In most states they can stay on credit for seven plus years ... | |
| Credit Repair | 2/17/2011 |
| Q: I have a few credit issues and want to know how to best handle them. I have several accounts in ... A: Your only option here is credit repair. A specific plan of action is really difficult to say in ... | |
| My parent's finances | 2/8/2011 |
| Q: My parents are in their mid-80's and they are incurring huge healthcare costs due to my dad's recent ... A: I'm sorry you are in the position of having to deal with this. Bless you for doing so. This is ... | |
| credit/repair- foreclosure after divorce | 1/31/2011 |
| Q: My situation is slightly convoluted so I'll try to keep to the basics. I was divorced in April of ... A: There are two considerations here. your credit and your legal obligation for debt. They are very ... | |
| Getting house out of my name after divorce | 1/27/2011 |
| Q: My divorce has been final since October 2010. He was awarded the house and any associated debt. From ... A: I'm really sorry you are in this position. I want to say up front that it is really difficult for ... | |
| Credit Card Offers | 1/21/2011 |
| Q: .. Recently I've received offers to open new credit cards in exchange for receiving thousands of ... A: With only three open accounts, you will take a major short term hit by opening two or more new ... | |
| building credit | 1/16/2011 |
| Q: Shinksi I have 3 quick questions. 1. I have approximately a 10k dept (4k in credit cards, the rest ... A: It's difficult to address such a broad situation in a forum like this. I would encourage you to ... | |
| Sallie Mae | 12/17/2010 |
| Q: I'm wondering if I should let my account with Sallie Mae go into collection. I know doing so will ... A: Quentin: It's difficult for me to say because I don't know the full situation with your finances. ... | |
| FICO | 12/8/2010 |
| Q: I currently have a secured visa from wellsfargo with 500.00 limit I use and pay in full monthly my ... A: The safer play for 2011 is to take the increased limit on one card. If you open a new card, you ... | |
| getting credit when files locked down | 11/11/2010 |
| Q: .in 2007 i was the victim of i.d. theft. since finding out about it, i have had the credit locked ... A: You did not send this question to me, but I thought I would weigh in. However, I am a little ... | |
| Repairing credit when student loans are all I have | 9/22/2010 |
| Q: I'm in an odd situation. I have 5 different student loans that I am paying off and I have no other ... A: First of all, if you were never late on that old credit card, it should not be listed in the ... | |
| building better credit score | 8/21/2010 |
| Q: I just had my credit report run and I am at 679. My question is, in order to build my core up- once ... A: Strictly from a credit scoring standpoint, you should not close any accounts. The problem is people ... | |
| credit repair | 7/12/2010 |
| Q: Mr. Skinski I hold approximately $12,000 in debt, $6000 of which is on one company's cards at ... A: Obviously finances will dictate how you proceed but in an ideal world you close this and all ... | |
| credit repair | 7/11/2010 |
| Q: Mr. Skinski I hold approximately $12,000 in debt, $6000 of which is on one company's cards at ... A: I will try to answer your questions specifically: 1) How can I find a reputable company to do ... | |
| Getting Financially Healthy | 6/2/2010 |
| Q: I'm a college student about to finish my degree. I've been repaying two student loans (I attend ... A: A loan is a better option if it is not stacked with fees and is at a significantly lower interest ... | |
| Signing up for a New Credit Card and its Effect on my Credit Score | 4/24/2010 |
| Q: I want to sign up for a Fry's Credit card so I can make a 12-month interest payment on a laptop. ... A: I have seen it go both ways when people have thin files (not many accounts) like you. Many people ... | |
| Remove negative reporting | 4/23/2010 |
| Q: I have a lot of questions so I apologize in advance. I live in Ohio. My Ch 7 bankrucptcy was ... A: I will try to answer your questions specifically: Question 1: I've received mixed info re: this - ... | |
| Keeping myself from being homeless | 4/14/2010 |
| Q: I have monthly debts/school loans and I have a small amount of income from employment. I go to ... A: The issue of credit and being able to rent really varies by location and the landlord. I can't ... | |
| Keeping my score | 4/10/2010 |
| Q: I have monthly debts/school loans and I have a small amount of income from employment. I go to ... A: Erick: Unfortunately, your credit is going to take a huge hit the day you first become 30 days late ... | |
| What to do with tax refund? | 3/30/2010 |
| Q: I'll be getting a $2500 tax refund and am trying to figure out what to do with the money. This is ... A: Most people, including me, would say to pay the car. It's nice to be out of debt. Strictly ... | |
| Credit Score | 3/27/2010 |
| Q: I have FreeCreditreport.com. My scores are Exp:561 Equ:573 Tran:572. I filed Bankruptcy in 2004. I ... A: If you haven't already, you need to speak with a couple mortgage professionals. There is more to ... | |
| credit card elimination | 3/26/2010 |
| Q: Regan,I am 59,retired on a fixed pension. My wife is also 59,has not worked in 35 years. We are not ... A: I'm sorry to say I don't know exactly what you can do. From what you are telling me, she is getting ... | |
| credit reporting | 3/11/2010 |
| Q: Can two different companies report the same information to the credit agencies when it pertains to ... A: They can report true and accurate information, so yes, there are times when this may apply. ... | |
| Auto Loan/Bank Loan | 3/8/2010 |
| Q: a few years ago my sister asked me if i could use my name to get financing for a car. I agreed and ... A: You didn't send this question to me, but I found it in the question pool for "experts." I don't ... | |
| second credit report? | 2/17/2010 |
| Q: In one of the national magazines there is an ad to create a second credit report that is clean with ... A: Yes, I have heard about this. It was a big issue 10+ years ago before technology and the ... | |
| Co-Sign Slums | 2/10/2010 |
| Q: My father has recently made me aware that I've brought his credit score down due to late payments ... A: There is no simple way to do this and there is no guaranteed results. You can try and complete this ... | |
| Credit effected by someone else | 2/2/2010 |
| Q: My husband opened up a credit card right when he got out of college about 10 years ago, but never ... A: I highly doubt it. There is no way the credit card company will assign the debt over to your ... | |
| Possible Identity theft | 1/31/2010 |
| Q: I recently ordered a copy of my credit report and discovered in the personal information section of ... A: OK, this can be anything INCLUDING identity theft, but I'm going to tell you that it would not be a ... | |
| Possible Identity theft | 1/31/2010 |
| Q: I recently ordered a copy of my credit report and discovered in the personal information section of ... A: There are several steps to take. For the purpose of this reply I'm going to assume everything you ... | |
| paying down credit cards | 1/17/2010 |
| Q: I have about 16K in credit card debt, spread equally across two cards. I closed one due to the ... A: Peter: There is no right answer on the issue of using retirement to pay down debt. There are a lot ... | |
| short sale effects credit | 12/1/2009 |
| Q: we have a question regarding how a short sale or a deed-in-lieu of foreclosure on an out of state ... A: in the interest of full disclosure, let me start by saying that I own a credit repair business. I ... | |
| short sale effects credit | 12/1/2009 |
| Q: we have a question regarding how a short sale or a deed-in-lieu of foreclosure on an out of state ... A: There is no definitive answer to this because it depends on so many factors. Among them how the ... | |
| credit score | 12/1/2009 |
| Q: They were showing how much certain things affect your score. they were saying a foreclosure or ... A: The reasopn they gave ranges that your score can drop is because the public really does not know the ... | |
| Credit report and 7 year look-back | 11/27/2009 |
| Q: I heard that your credit report history goes back 7 ears from the date of last activity. What ... A: Credit reports can generally contain information for seven years from the date of last activity or ... | |
| credit card | 11/26/2009 |
| Q: I'm not exactly sure if this is a "credit repair" question, but... I am a sixteen year old college ... A: Melanie: Unfortunately, I cannot think of a solution. In fact, getting underage credit is going to ... | |
| settling debt with collection agency | 11/24/2009 |
| Q: When I am talking to a collection agency and working out a "deal" they say that they can remove a ... A: They are partially right. There is a $600 threshold for reporting on 1099's as dictated by the IRS. ... | |
| settlement of credit card.... | 11/6/2009 |
| Q: I have reached a settlement with a credit card for approximately 70% of the balance. I had a ... A: I can't answer that because I don't know the terms of your settlement and original contract. In ... | |
| judgments | 10/24/2009 |
| Q: I kept my ex on my health care and he had surgery and never paid his bill ,well hospital got a ... A: If an open judgement is removed from your credit reports, your score should go up. Unfortunately, ... | |
| should i get another credit card | 10/22/2009 |
| Q: I only have one credit card, Mastercard. I've used it for many years and have good credit. But I am ... A: I have never had a problem with the major sites but that does not mean others have not. You can ... | |
| should i get another credit card | 10/22/2009 |
| Q: I only have one credit card, Mastercard. I've used it for many years and have good credit. But I am ... A: Lee: It is nearly impossible for me to predict with 100% certainty what you need to do to be able ... | |
| variable APR...Chase Bank | 10/21/2009 |
| Q: I have 2 credit cards, a visa and mastercard. The Mastercard is with Chase and I just got notice ... A: No. That is a "debit" or "check" card as you mentioned. These are typically not reported to the ... | |
| variable APR...Chase Bank | 10/21/2009 |
| Q: I have 2 credit cards, a visa and mastercard. The Mastercard is with Chase and I just got notice ... A: There is no question it is the trend. There are a lot of reasons not the least of them is simply ... | |
| Sister's car in my name | 10/12/2009 |
| Q: About four years ago, my sister went to get a car but was told she didn't have any credit history. ... A: You did not send this question to me. It was sent to the question pool, so I'm sorry if there was a ... | |
| closing account | 10/8/2009 |
| Q: I have a credit card at bank of america and have recently received a letter. They made an amendment ... A: In theory you do not need to do this. BOA should report it properly and usually the creditors DO ... | |
| Dispute | 10/2/2009 |
| Q: I've began to repair my credit on my own. Over the years I have kept an eye on my credit report. I ... A: I would not dispute the report date. It's the date the creditor reports it. They are under no ... | |
| prepaid card | 9/29/2009 |
| Q: .in 2007, i was the victim of a crime known as kidnapping by false pretenses. during the ordeal, my ... A: You did not send this question to me it was forwarded to the question pool, but I thought I might be ... | |
| Settled installment loan | 9/26/2009 |
| Q: Due to a change in employment fall of 2008, I approached JP Morgan Chase about a settlement for less ... A: What exactly is being reported? It is a single "settled for less than full amount" or a history of ... | |
| Credit repair in Ohio | 9/25/2009 |
| Q: I am a 63 year old Ohio resident trying to get a $13,000 new car loan and have been denied even by a ... A: A secured card is a wise thing to do. I believe, at this point, it is your only option. I believe ... | |
| OMG | 9/20/2009 |
| Q: You sent me a very good, detailed plan for getting my debt under control yesterday 9-19-09. I ... A: There are a lot of factors that go into negotiating a settlement or reduced terms. A big factor is ... | |
| OMG | 9/19/2009 |
| Q: I make about 3k per month gross. My mortgage is $534.00 per month. My car is paid off. OMG. I have 3 ... A: I can't make the decision for you, but you basically have four options. 85% of a $3,000 gross is ... | |
| joint debt | 9/17/2009 |
| Q: I recently am divorced and my husband and I have some joint accounts that he is suppose to take ... A: Like many questions I receive, there are a few points at play here. If they were legitimately your ... | |
| Paying Too Soon? | 9/11/2009 |
| Q: Nearly 6 weeks ago, I paid off all my credits card and my credit score (at least on one report) went ... A: No, I believe your concern is unfounded. It is better to pay off your cards as soon as you can and ... | |
| Insufficient Credit | 9/5/2009 |
| Q: Love your name btw. I have applied for several different credit cards and have been denied every ... A: Interestingly enough, your name is one of my all-time favorites as well :) The first thing you ... | |
| RAISING CREDIT SCORE FAST | 9/4/2009 |
| Q: As of 9/2/09, my credt scores were as follows: 701 Experian; 615 Equifax; and 600 Transunion. I ... A: Carolyn: This may be difficult to accomplish in the 3-4 week time period you stated because any ... | |
| Credit scores | 9/2/2009 |
| Q: I have 11 credit cards. I don't owe anything on any of them ($0 across the board) Myif I start ... A: Yes, that sounds fine. I would kind of refer back to my original post. I would only close accounts ... | |
| Credit scores | 9/2/2009 |
| Q: I have 11 credit cards. I don't owe anything on any of them ($0 across the board) Myif I start ... A: Kevin: There is the possibility of your scores going down if you close accounts. What factors in ... | |
| Debt Older Than 7yrs | 8/27/2009 |
| Q: I read your response to a question regarding an account that was established in 2001 and therefore ... A: Credit companies and collection agencies, have been known for "re-aging" bad accounts making them ... | |
| The death of credit | 8/26/2009 |
| Q: First off...thank you for such a wonderful site and all the experts giving great advice. OK now ... A: Kevin: I will try to answer your questions as you gave them: 1.) In general, paying off debt will ... | |
| Paying a debt. | 8/24/2009 |
| Q: I opened a finger hut account back in 2001 when I was young and never payed it. Since then fingerhut ... A: The key to this question (credit-wise) is the date of first delinquency. That is when the account ... | |
| Home loan | 8/21/2009 |
| Q: I'm getting ready to apply for a home loan of $80,000. My credit score is 777, however, I have ... A: Yes! :) The only other factors COULD be assets (i.e. liquid reserves such as cash, 401k, or other ... | |
| identity theft | 8/13/2009 |
| Q: I recently checked my credit only to find that my social security number had been used several times ... A: Sorry you have been a victim of this. It's awful! However, there are certain steps you can take to ... | |
| Dispute Charges snt to collections | 8/12/2009 |
| Q: I had been turned over to pre-collections by my previous telephone carrier because of a disputed ... A: Amy: You did not send your question to me. It looks like it was sent to the general question pool ... | |
| Credit score and CC balance | 8/7/2009 |
| Q: I have a question regarding the use of CC. We are new to the USA and new to all the credit score ... A: I will try and answer your questions specifically and in order: 1.) The general consensus is that ... | |
| Paying Off Credit Card Debt | 7/29/2009 |
| Q: I have $4200 in credit card debt (on 4 credit cards) and am thinking of using my savings to pay it ... A: 1.) If they've been closed for "years" you are correct that it is not likely they will be ... | |
| Paying Off Credit Card Debt | 7/28/2009 |
| Q: I have $4200 in credit card debt (on 4 credit cards) and am thinking of using my savings to pay it ... A: Stephany: Congratulations on taking steps and ownership to improve your credit! I will answer your ... | |
| Credit | 7/28/2009 |
| Q: I'm in a tight spot. Due to financial difficulty I am going to stay with my ex husband out of the ... A: Obviously the decision is up to you. If you do that, let's look at the best and worst case ... | |
| Credit | 7/28/2009 |
| Q: I'm in a tight spot. Due to financial difficulty I am going to stay with my ex husband out of the ... A: I wish I had better answers for you. If the car gets reported as a repo, it's not good. Anything ... | |
| Credit repair | 7/24/2009 |
| Q: I filed for Chapter 7 in March of 2008 and was discharged in June 2008. Since then I haven't had any ... A: Stacy: You're welcome and good luck! There are always exceptions, but credit is mostly about ... | |
| Credit repair | 7/24/2009 |
| Q: I filed for Chapter 7 in March of 2008 and was discharged in June 2008. Since then I haven't had any ... A: The real bad first: There is no quick way to boost your score. What are you trying to do? You ... | |
| unsuccessful dispute | 7/21/2009 |
| Q: I unsuccessfully disputed a paid collection account. I had paid it, and it was reporte as paid, but ... A: If this is a collection account, meaning the collection agency is the one reporting to the credit ... | |
| installment loan | 7/19/2009 |
| Q: I have paid off my credit cards and rebuilt my credit over the past few years. Now I only have my ... A: "Credit repair" is a complicated endeavor. Good credit repair companies (like us) take the time to ... | |
| installment loan | 7/18/2009 |
| Q: I have paid off my credit cards and rebuilt my credit over the past few years. Now I only have my ... A: Reactivation would be better than a new account. When doing so I would first try to get a feel from ... | |
| installment loan | 7/18/2009 |
| Q: I have paid off my credit cards and rebuilt my credit over the past few years. Now I only have my ... A: Anthony: Congratulations again on keeping your credit in check. Normally, I would say - in a ... | |
| credit scores vary on two sites | 7/18/2009 |
| Q: My credit scores on truecredit.com all show as around 725, which I was quite happy about. Then I ... A: I wouldn't necessarily say you've been "misled" by truecredit. The company that creates the FICO ... | |
| Credit Card Debt/Debt Consolidation Loan | 7/12/2009 |
| Q: I have amassed $16,000 in credit card debt. I am contemplating the best way to tackle this debt as ... A: This is actually a pretty easy answer. If you can get a consolidation loan at a lower interest rate ... | |
| Coming into money | 7/9/2009 |
| Q: I really need some advice. My hubby lost his job months ago, and we've been really struggling. We ... A: I'm sorry to here of your troubles. You are not alone in this economy and it certainly is a blessing ... | |
| Raising my Score | 7/7/2009 |
| Q: I am trying to get my first mortgage and I am very close. I am trying to raise my score by twenty to ... A: Keisha: Congratulations on being so close to getting your first mortgage! This should definitely ... | |
| How to fix my credit? | 7/6/2009 |
| Q: Good afternoon, I am 23 years old, in college with a poor credit score. My score used to be very ... A: You have a pretty complex situation involving issues of credit, mortgage, and financial planning. I ... | |
| Debt Consolidation | 7/2/2009 |
| Q: I'm about $50,000 in credit card debt. My wife lost her job a year ago and is now staying home with ... A: Robert: I am sorry for your situation. You are not alone. people will disagree with me, so this ... | |
| credit help please | 6/24/2009 |
| Q: I have been repairing my credit for the past few years and when I finally paid off what I thought ... A: Congratulations on making such great efforts to improve your credit. I know it's frustrating, but ... | |
| credit report charge offs being made current | 6/18/2009 |
| Q: This month I pulled my Equifax credit report and I saw 4 entries that moved from a 9/2005 " date ... A: What you are seeing is common and, very possibly, legal. Creditors are allowed to update the status ... | |
| debt reduction | 6/15/2009 |
| Q: I have a household income of $175,000 and a fico score of 785. For the past several years I have ... A: Larry: It is less expensive to pay the $300 fee and zero percent interest, assuming you are keeping ... | |
| Credit scores and how to improve them | 6/14/2009 |
| Q: I have a few questions regarding credit scores and how to improve them. What can I do to improve my ... A: Nicole: Congratulations on making the decision to improve your credit. However, the questions you ... | |
| prepaid debit/gift cards | 6/11/2009 |
| Q: Is a Visa gift card (purchased in an amount certain, ie, $25, 50, 100) the same as a Visa prepaid ... A: You must have "interlink"? I think merchants should be able to process the transactions as "credit" ... | |
| prepaid debit/gift cards | 6/10/2009 |
| Q: Is a Visa gift card (purchased in an amount certain, ie, $25, 50, 100) the same as a Visa prepaid ... A: Yes. They can be arrived at via different methods (refund without receipt vs. purchase, etc) but ... | |
| CREDIT SCORE REPAIR | 6/1/2009 |
| Q: I have debt ranging from $2300 to $2350 that is listed on my credit report. I lost my job and I ... A: Paying the debt will have a positive impact on your credit score. In fact, it could have a VERY ... | |
| Debt elimination by use of tax credits | 5/25/2009 |
| Q: I recently became acquainted with a group which claims to be able to eliminate all debt that has ... A: If you are writing about one of the two companies I am thinking about, I believe this is a scam. It ... | |
| My Mother's Debt | 5/23/2009 |
| Q: My mother recently passed away and I've never dealt with anything like this before. I was told to ... A: I am very sorry for your loss. On a personal note, my 41 year-old wife is dealing with advanced ... | |
| Husbands Old Forcloser on credit | 5/21/2009 |
| Q: Before my husband and I got married he defaulted on a home loan. The property went into foclosure ... A: Andrea: From what you are telling me it is reporting incorrectly. It should be marked as closed ... | |
| Insufficient Credit | 5/13/2009 |
| Q: My boyfriend went into a car dealership to purchase a used car for $7,995. He had a low down payment ... A: Well, you may not exactly like my answer, but I think they're terrible. Incredibly high interest ... | |
| Insufficient Credit | 5/12/2009 |
| Q: My boyfriend went into a car dealership to purchase a used car for $7,995. He had a low down payment ... A: The "Buy here, Pay here" I was previously writing about are used car places. They are usually ... | |
| Credit Card Repayments | 5/12/2009 |
| Q: I have £5000 on a credit card with my bank at 25% interest. We have been paying off the minimum ... A: The best time to make the payment is as soon as you can. Most cards are set up to compound interest ... | |
| Insufficient Credit | 5/12/2009 |
| Q: My boyfriend went into a car dealership to purchase a used car for $7,995. He had a low down payment ... A: You have run into a situation most people do not think of but happens all the time. Everyone ... | |
| canceling a credit card | 5/7/2009 |
| Q: Do I need to notify in writing or otherwise a credit card holder when I want to cancel and destroy ... A: I sorry to say, I'm not 100% certain your situation on this card when you say "credit card holder." ... | |
| education loan | 4/16/2009 |
| Q: hey there, i was lucky to graduate college with no loans and just paid down (like from $6000 to ... A: No changes in my thoughts. You will likely see a good jump in credit score just from the reduction ... | |
| Debt - Marriage - PRENUP | 4/15/2009 |
| Q: When I become a freshman in college several years ago my father thought it would be a good idea to ... A: The first thing both of you should do is realize what will and will NOT change once you become ... | |
| Debt - Marriage - PRENUP | 4/14/2009 |
| Q: When I become a freshman in college several years ago my father thought it would be a good idea to ... A: I am sorry you are facing such a situation. Based on the information you provided, I can only ... | |
| Bank account garnishing | 4/7/2009 |
| Q: I wonder how, exactly, creditors are able to find any bank accounts a person might have? Do they ... A: Kim: I sorry to say this is really not my area of expertise as I really specialize in credit ... | |
| Credit score improvement | 4/6/2009 |
| Q: I recently paid off all of my collection accounts on my credit report and my credit report has been ... A: Kevin: It sounds like you need to open additional accounts. In fact, a minor portion of your ... | |
| Credit Score | 4/4/2009 |
| Q: I am trying to repair my credit. Right now my score from the Big 3 ranges between 568 and 590, I ... A: Yes. Very likely it would help your score with one possible exception: if you have little or no ... | |
| Credit Score | 4/3/2009 |
| Q: I am trying to repair my credit. Right now my score from the Big 3 ranges between 568 and 590, I ... A: James, As with most credit issue the answer is "it depends." However, if the loan is late AND ... | |
Credit Repair
Answers by Expert:
Regan Shinski
Top Expert on this page
Expertise
I can help answer basic questions on credit repair, credit counseling, FICO scores, basic credit planning, and the cause and effect of credit related decisions.
Experience
I have successfully had over one hundred derogatory accounts removed from credit bureau reports. Although not an attorney, I have successfully negotiated, litigated, and settled with creditors for cash amounts.
Education/Credentials
BA University of Minnesota
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