Me and my spouse have a lot of debts and our credit report is bad, we want to clear our record and pay all our debts, we are unemployed and benefits are running out. My husband just got a good job but its federal so they will run a very extensive investigation, I heard of re conciliating our debts by having a company pay all our debts and we pay them a monthly fee, is this good or bad and anyone can recommend a company?

In the building where I live used to live another lady called Aleida P. with a different last name. The credit report is confusing us both because of the same name. The true is that I don’t even know Aleida P. The problem is that I didn’t check my credit report in 4 years. Know I am applying for a job and for credit and the creditors denied me everything. And I didn’t get the job either.
When I requested my credit report it shows that the other lady called Aleida has delinquencies, liens, judgmets. Can I fix it?

My credit score it is 522 and im having a baby and i need to get a place big enough for the both of us. It is mostly credit card debt, and debt from cable. i need to my money under control for 2009 so i can give my child the best life… Any suggestions would be greatly appreciated thank you.

I am in the process of trying to buy a home and recently reviewed my credit report. I noticed that one account was still reported as opened with a balance.

I’m trying to fix my credit and raise my credit score what are the steps to do that. I read that if you have any debt on your credit report over 2yrs. do not pay it because it lowers your credit score. Is this true.

I need to get my credit fix. Does anyone know about a good way to do it and not expensive?

I have a very low credit score with old delinquent accounts. I have heard paying off old accounts is pointless, and will not improve your score. Is there any way to fix credit on your own with out the use of a lawyer etc.

I have two credit cards that I have not payed on in about a year. I have recently worked out a charge off for both of them, even though it hasn’t gone though yet. The companies that now own my accounts will accept about 1500$ for the charge offs, and I know that will further hurt my credit. What would be good options to rebuild it? Thanks!

I have medical bills which have destroyed my credit. My husband feels my bills are not important. Part of these bills are from our son’s birth. Some are from past student loans. I don’t make alot of money, but would love to clean up my credit. Please help.

I applied for an auto loan last week and the report came back saying that I have a credit card out with a 00 balance. I have only had one credit card in my life; the one I use now which I’ve never been behind in payments. It’s obvious that I’ve been a victim of credit fraud… what can I do to fix this?? I need it off my report asap…