Archive for January 2010

NSF apppearing on credit report?

mylewis2004 asked: Greetings, I have a checking account at WellsFargo bank establish a year ago. In addition, I has a savings account for him 15 years ago and I was custodian. (He is currently 19.) Bottom line, he withdraws money from his SAVINGS account and if funds are not available they are taken from my [...]

My father has the same name as me and his collections are appearing on my credit report?

David asked: Hi Everyone, My dad has the same exact first, middle, and last name as me. The only thing that differentiates us is that he is Sr. and I’m Jr. He doesn’t have the best of credit and over the years collections that are for him would appear on my credit report. I did [...]

$39 Late fee for being 1 day late on credit card?

bella_51708 asked: I have had my Bank of America (formerly MBNA) credit card since 2003. I always make at least the minimum payment and have always been on time. I monitor and pay my bill on online each month. I normally set up my next’s month’s payment before the statement is even generated. Last month, [...]

Everything you Wanted to Know About Bad Credit Repair

Mark Henry asked: It may not be possible to provide you with everything you wanted to know about credit repair in this brief article, but here we attempt to give you the do-it-yourself basics and the facts about the many credit repair schemes that are being advertised and should be avoided.Some companies advertise that they [...]