9 Ways to Salvage an Ailing Credit Score

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Great tips! on your list, is sending folks over from her blog, which I never miss, and you're going on the required reading list too.thanks for your kind information.

dubai property of UT 3:16AM August 23, 2010

In addition to getting rid of a spouse who clearly only thinks of you as a doormat you need to get rid of that church who clearly views your role in this life as a servant.(You are a servant, but a
servant of God not man)
God gave you the good sense not to stand in the middle of the highway with a tractor trailer coming, you need to apply the same principal to your everyday life!
You need to go out & get YOU a life & GOD will be with you every step if you ask him!!!!!!!!

sam of GA 9:18AM September 18, 2009

Until Dec 2006, all bills were paid in full. Now, due to two job losses, rip off emchanics and health/death issues we had to put car repair/funeral expenses that were not paid by estate/finally everyday expenses were going on cards. My husband decided to max out my cards and because his FICO is higher than mine, to salvage his reputation. And I will have to take care of my credit report after I've earned enough to support my share of household expenses. (In other words, I am responsible, he keeps his Harley because it gets better mileage than my 13 yr old SUV.) I can't leave him, my FICO is so low no one will rent to me, and I don't have a job, but I do some freelance work AROUND his schedule. I can't get a regular job IF they run a credit check. I've always lived below my means, til my means got laid off. His philosophy is to pay the bare minimal (his phrase) and I need to "figger it out. He makes my freelancing difficult and he trys to make home so uncomfortable unless I'm A. getting ready for work or B. getting ready to sleep to go to work the next day. He DOES not support my "playing" with the computer for pennies and say IF I were a competent cook cleaner or lay, there are ways to get paid for all three activities and I'm not passable at any of them. So I better figger it out. Normally, he says figure unless this topic comes up. My family is elderly and does not have the means to even help me move. And now that they now my FICO is low and no landlord or employer who sees it sees me as anything but a lowlife criminal who does not pay her bills, they will talk to me about neutral topics only and will hang up re any personal issues.
My church said they would pray for me, but my job is to submit to my husband and do whatever it takes to honor my husband.
I know if someone he respected laid out a plan that would allow him to have plenty of leisure time to fish and ride, in addition to working enough to pay bills, he'd lighten up. But I know from 30 years experience that his expectation of my being a partner means I carry the whole load and he will pay for a meal out with friends to show them we are doing OK financially. We're talking modest sit down and fast food outings, not treating all his pals to five star dining.

NoName Anymore of CA 1:11PM August 20, 2009

Until Dec 2006, all bills were paid in full. Now, due to two job losses, rip off emchanics and health/death issues we had to put car repair/funeral expenses that were not paid by estate/finally everyday expenses were going on cards. My husband decided to max out my cards and because his FICO is higher than mine, to salvage his reputation. And I will have to take care of my credit report after I've earned enough to support my share of household expenses. (In other words, I am responsible, he keeps his Harley because it gets better mileage than my 13 yr old SUV.) I can't leave him, my FICO is so low no one will rent to me, and I don't have a job, but I do some freelance work AROUND his schedule. I can't get a regular job IF they run a credit check. I've always lived below my means, til my means got laid off. His philosophy is to pay the bare minimal (his phrase) and I need to "figger it out. He makes my freelancing difficult and he trys to make home so uncomfortable unless I'm A. getting ready for work or B. getting ready to sleep to go to work the next day. He DOES not support my "playing" with the computer for pennies and say IF I were a competent cook cleaner or lay, there are ways to get paid for all three activities and I'm not passable at any of them. So I better figger it out. Normally, he says figure unless this topic comes up. My family is elderly and does not have the means to even help me move. And now that they now my FICO is low and no landlord or employer who sees it sees me as anything but a lowlife criminal who does not pay her bills, they will talk to me about neutral topics only and will hang up re any personal issues.
My church said they would pray for me, but my job is to submit to my husband and do whatever it takes to honor my husband.
I know if someone he respected laid out a plan that would allow him to have plenty of leisure time to fish and ride, in addition to working enough to pay bills, he'd lighten up. But I know from 30 years experience that his expectation of my being a partner means I carry the whole load and he will pay for a meal out with friends to show them we are doing OK financially. We're talking modest sit down and fast food outings, not treating all his pals to five star dining.

NoName Anymore of CA 1:08PM August 20, 2009

This is big abuse from credit companies and government for let them do wherever they want without any control all is in favor of companies

david l of TX 2:03PM August 07, 2009

Is one of the biggest ways Americans are getting a fast one pulled over them and no one is question. How can a system be used for so many things and people know absolutely nothing about. It is too easy to mess up credit and very hard to have good credit. Fico needs reform.

Kem of CA 11:52PM July 22, 2009

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samuel of IA 9:28PM July 22, 2009

FICO is probably the most controlling corp in USA. Think about, how do thry make their money? who do they report to, who gives them information? how does one card company get any negative info so fast? Who are FICO'S COMPETITORS? Get the picture? again back to a secret formula and "how does fico make MONEY?
ANY ANSWERS OUT THERE?

CAN U BELIEVE of MA 12:16AM July 21, 2009

if you can tell me HOW us Americans all got bamboozled into being individually rated on a secret-formula FICO score operated by private corporations without your vote or permission. Do you think this whole concept is something our founders intended in the Constitution and Bill of Rights? Do you think it emanates from our calling ourselves a "Christian" nation?
I will similarly "eat your hat" if you can prove to me that Americans would ever vote colletively for a system where people who have bills from being sick or injured have to pay more to get a mortgage.
The Europeans are so far ahead of us MORALLY on the financing of health care, it's not even funny. We're supposed to be the "Christian" nation, and yet all the church people have completely capitulated to allowing for-profit corporations to run the country. How dumb is that? Really.

Muser of NM 9:21PM July 20, 2009