luv2shop wrote:


I recently have been doing homework as to how to restore my credit. I payed off about 5 different medical bills that went into collections, that totalled roughly $800.00. I payed them off March 2006. I recently found out that I should have negoitated with the collection agency that I would make the payment if they took the bad mark off of my credit. I did not know this at the time I made the payment. What can I do now? Can I contact the collection agency again? But say what?

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rashanii wrote:


I would like to purchase a wedding ring, but my credit is still being restored to a good standing. My score will be much better by December, but even with my credit looking less than fair, I would like to purchase the ring by September. If I go into a jewelry store with half of the price of the ring in cash on me, will they allow me to pay a down payment and pay the rest off in installments?

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Miki T wrote:


Is it possible to restore ur credit for identity theft? i just turned 18 and applied for a credit card and i was deny and i think im a victim of identity theft if so is it possible to restore everything back to normal?

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kimmary wrote:


The Accounts were in collection and i had them paid two weeks ago but i need advice on how to raise my score and restore my credit.

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r.p. wrote:


We may have adware in our system; a popup asking for our credit card number keeps appearing. If we perform a system restore to, say, a month from now (the popup started yesterday), will that get rid of the virus?

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Shenelle K wrote:


I just purchased my first vehicle in July of 2007( without a co-signer) I have about $1000 worth of debt in my name. Mainly cell phone bills which went into collection. Also, I took a payday loan out last year that went into collection, but I have paid that off.

I would like to clean up my debt and began to restore my credit. How would I go about doing this??

I have applied for credit cards such as Visa, Victoria Secrets. and have been denied.

Can someone simplify steps I should take!!!!

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bella_amore wrote:


How do I restore credit if no one wants to approve me for anything? I have a score around 530 which is not bad but it is rated at very poor. So how do I get better credit if not even a bank will approve me? I have a great paying job and they don’t accept that as collateral. Please help!!!

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Sniggly_Snew wrote:


I have a Reward Zone credit card that I’m using to help rebuild my credit. From what I’ve read, I need more than one credit card to help restore my credit. Does anyone know of any legitimate companies that can help improve my credit? And, yes I realize that I must make payments on time, etc. etc.

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