Having problems with my current one in regards to credit
138994
If you have credit problems, opening another current account WILL NOT solve that.\n\nIf you are having problems keeping your current account from being overdrawn, opening another account WILL NOT solve that either.\n\nGet a copy of your credit report - I have a link on my website - yes it is FREE! - look at it, and start to do what you can to fix it.\n\n'Fixing' credit just means paying people back - on time. Even if it is just the minimum, pay it - on time - You need to pay in full (eventually). \n\nRemember, the longer you take, the more it will cost you. It is in your interest to pay it off as soon as you can.\n\nGood Luck!
544920
Yes I do! But read because its not just that simple\n\n\nThat’s good that you tried to repair your credit yourself before you decided to pay someone. Now that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a “Fresh Start” they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam. \n\nStill very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn’t charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that’s fine with me, because they followed through on what they said.     \n\nSomething very important….. The bad debts that you say you owe; you need to pay them off. I don’t care if you settle them or pay them in full, eventually you need to pay them off because if you don’t, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!! \n\nOh yeah, here is the link to them http://www.expert-credit-advice.com/credit_repair_service.htm  \n\nand the home page: \nhttp://www.expert-credit-advice.com/
391724
Be very careful with credit counseling agencies.\n\nThere are good ones out there - and there are bad ones out there.\n\nAny that charges YOU the customer - is not a good deal.  Then too there are those that have you send them your money and then you never know what happened to it.  No one gets paid and you never get it back.\n\nThe only one I can tell you for sure is legit is "Consumer Credit Counseling".  It appears to be the most respected one in the credit industry.  \n\nKnow too that lenders do not have to abide with whatever a credit counseling agency tells you the creditor will do.\n\nPLUS - talk to the creditor first is a good idea.  Explain to them that you are considering this option.  You may find that your creditors will work with you to resolve the problem you are experiencing.  My company does that.  At no cost to anyone.\n\nGood luck.
521738
CALL THE CREDIT CARD COMPANY AND FILE A CLAIM!!!!\n\nDO IT IMMEDIATELY\n\nThey will be able to help you on the next steps.
29403
If you paid with a credit or debit card I would call the institution that supplies that card.  However, since it has been over a year they may not be able to dispute the charges.  You may need to speak to an attorney if the product was worth the value!
561092
The company should send you a new one with a new expiration date. The outstanding balance stays "open" until it is paid regardless if you use the card anymore or not.
10584
Don't post this kind of message online.  You are asking for trouble.\n\nTalk to your Mom and Dad, Aunts, Uncles and family who can help.  The real problem is your inability to manage your personal finances.  Take a course or seminar on managing your money and STOP over spending.\n\nyour current situation is a tough way to learn that credit isn't free.  But hey we all make mistakes.  \n\nGood luck.
328150
Cleaning up old credit issues take time as effort on you part.\nDepending on your credit history, it may take 6-12 months \nBe persistent and don’t give up.\n\nIf you feel you still need help email me and I will guide you to your next step.
133874
you can get a great card on www.entrustsystems.com/wow without a credit check or bank account. this card will help you establish credit or help you repair current bad credit, guaranteed!. All the information you need will be found on this website. good luck
501202
Call your credit card company and reverse the charge.  They will investigate and if it's a scam as you claim it is, you should get a credit.
588992
You can always call and ask if you have been approved or not.\n\nIf you get denied, you can send a reconsideration letter. Tell them why you have bad credit (hopefully the bad credit was years ago) How you are trying to clean up your credit etc. \n\nIf you do have bad credit, you should try to clean it up. I'm listing a fantastic "free" do it yourself credit repair site.
609922
Pretty soon you will start getting offers from credit card companies (Householdbank, Orchard, First Premiere) and although they start you at a tiny $250 limit, it is a way to start re-establishing credit.  Just charge something small and make payments.  I know it looks like there is no hope, but there is.  Also, order a copy of your credit report and see what is on there.  Try and challenge anything.  Sometimes the credit agencies are so lazy they won't verify anything.  Is your BK dismissed?  Sometimes if it is dismissed, you can have it removed.  I just got mine removed from Experian.  Good luck.
148161
What is it you are trying to do?  Remove a past credit listing placed because you were late with car loan payments?\n\nKeep in mind that now the loan is paid off they may not want to cooperte with you on this.  Just ask them politely.  Tell them you have paid off the loan, you are an active credit union menber and would appreciate if they can help you restore your credit.  At least have the listing updated to show the loan is paid in full.\n\nTalk to someone in the collections department.  They know what a letter of deletion is, they are acting stupid!
348213
You can do it yourself or you can pay someone to do it for you. \n\nHere is a good free kit to do it yourself: http://www.expert-credit-advice.com/free_credit_repair.htm\n\nHere is a good company to do it for you: http://www.expert-credit-advice.com/credit_repair_service.htm\n\nAnd if you are one of the skeptics that has said it cant be done because your credit is messed up and you have given up, read this page: might change your perspective: http://www.expert-credit-advice.com/credit_bureaus_credit_repair.htm
176880
call your credit card company, i'm sure you can get teh number off their website, ask them what you should do.
582013
If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.\n\nIf you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.\n\nI would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site. \n\nThere is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now.
609437
You asked for a new one? So does everyone else. You won't get a new one, so just give that up.\n\nDo you have an ID number for the transaction? If so, then good. Sounds like they have a backlog as this is longer than normal. Keep calling and complaining and it WILL get you moved along faster..