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Credit Repair/Questions Answered by Expert Gary Lambert
| Subject | Date Asked |
| Establishing credit | 1/11/2010 |
| Q: i am a 19 year old male i just recently have been trying to establish credit, or yet repair my ... A: Go to www.annualcreditreport.com and pull a free copy of your credit report. Then visit the Credit ... | |
| credit score | 1/8/2010 |
| Q: how does cancelling an unused or paid in full credit card affect credit score A: That depends upon your credit profile. I would need more information before I could offer an ... | |
| Credit issues from divorce/obtaining a scn | 1/6/2010 |
| Q: Gary- I have gone through a nasty divorce over the last 4 years. My ex did many things to me ... A: To go into an explanation here of how to obtain one would be far too complex. The simple answer ... | |
| Credit Repair | 12/17/2009 |
| Q: I am trying to raise my FICO score after bankruptcy 1 yr ago I have a secured visa credit card with ... A: I will give you my standard answer. In order to prepare for a mortgage, follow these steps: How ... | |
| credit score and repair | 12/2/2009 |
| Q: Mr Lambert - I recently obtained my credit score. It is 480, "ouch" My wife and I are working on ... A: and congrats on making the effort to work on your credit. The credit system is slow to accept ... | |
| credit score | 11/20/2009 |
| Q: is it better to carry a 30.00 balance on my two credit cards or pay off the 30.00 balance and pay ... A: Two years? "Ongoing and consistent" means forever. When you stop using credit, your score will ... | |
| credit score | 11/19/2009 |
| Q: is it better to carry a 30.00 balance on my two credit cards or pay off the 30.00 balance and pay ... A: Regarding credit cards, your maximum credit score will be achieved by keeping a balance on your card ... | |
| 'check cards' and credit standing | 10/22/2009 |
| Q: I have a Mastercard and a Visa card. Even though the Visa card looks just like a credit card, it is ... A: Well, I also have 15 years experience in the mortgage industry. I can tell you that we ... | |
| 'check cards' and credit standing | 10/21/2009 |
| Q: I have a Mastercard and a Visa card. Even though the Visa card looks just like a credit card, it is ... A: The answers are no and no. A credit card will charge interest and allow you to pay back amounts ... | |
| Building Credit | 10/12/2009 |
| Q: .. Soon after I turned 18 I began applying for credit cards so that I could get one and start ... A: It sounds like I can help you stay on the right track. The overall comment I want to make is for ... | |
| poor credit credit cards | 9/23/2009 |
| Q: About 4 years ago I accumulated a few defaulted accounts. I am paying most of them back now. But, ... A: Realistically, I would want to review your credit reports (Experian, Equifax and Trans Union) to see ... | |
| paid in full debts | 9/17/2009 |
| Q: I have a bill in collection that started at $3200. I have been making payments monthly of $200. My ... A: No, your credit score doesn't care how you paid it off. There are a couple of ways to look at this ... | |
| DIfference in Credit Scores | 9/5/2009 |
| Q: I use experian which says my score is 650 where credit karma says it's 550. Which is more accurate? ... A: The answer to your question depends upon several variables. Traditionally, there are three major ... | |
| payday loan assistance | 8/7/2009 |
| Q: Any advice in this matter would be really great. My fiance told me the other day that she took out ... A: Payday loans can lead to what seems to be a never-ending nightmare. Michael, what is the name of ... | |
| identity theft | 7/1/2009 |
| Q: I recently sent in an application for an apartment and I never heard back from the woman, even ... A: At this point, it's a little too late to worry about the ID theft. Chances are there will be no ... | |
| collection agency | 6/25/2009 |
| Q: I am paying an Atty in Mass who is collecting on an old credit card. Today I called and asked his ... A: In order to best answer your question, I need more info. How old is this collection and do you have ... | |
Credit Repair
Answers by Expert:
Gary Lambert
Top Expert on this page
Expertise
I can answer questions regarding the use of secondary credit numbers to protect against identity theft, any credit questions regarding scoring, cause and effects and re-establishing credit.
Experience
Published "Your Credit, Your Future" in 1988. That was one of the first self help credit repair manuals and was written after spending two years of research time in the local law library. I have been doing credit work ever since.
Education/Credentials
University of Alabama, Finance
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