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If anyone can help me with advice, that would be great! So here's my story: I have been working my tail off for the last year to rebuild my credit. I really screwed it up in my teens/early 20's and I'm finally on the right path. It has been over 4 years since my last baddie and I have had a 15 month streak of on time payments. I have acquired quite a few credit/retail cards in the last year that have helped me bring up my score. (started with a CapOne secured card/ now have Nordstrom, Kohls, Kay's, VS, Express and recently a Barclay's card.) Anyhoo, I just had a baby and my employer switched health insurance providers when I was 7 months pregnant. My copays were through the roof and my out of pocket medical bills now = $4500.00. I have about 7 different creditors coming after me, now of which have hit my credit report and I am running out of time. I don't have the money to pay them right now. What can I do to save my report??? Any suggestions?? Please Help!

The U.S. Department of Education, Office of Federal Student Aid has created a website dedicated to those individuals currently attending Corinthian Colleges, Inc. (Everest Institute, Everest, WyoTech, and Heald College). Please visit https://studentaid.ed.gov/about/announcements/corinthian for up to date information. CB Members, if you have family or friends attending one of these institutions, please provide them that link as it will be updated with the latest information. This is probably one of the largest for-profit corporations that I've seen in my time that will ultimately close down or drastically reduce in size from 107 campuses nation-wide.

Citizens Financial Group is offering refinance to those who have Federal Student Loans and a minimum of $10,000.00. Please visit the Wall Street Journal for more information: http://blogs.wsj.com/totalreturn/2014/09/16/student-loan-borrowers-have-chance-to-refinance-at-lower-rates/?mod=yahoo_hs Here is the link to Citizens Financial Group: https://www.citizensbank.com/ As I always do on here, make sure you fully understand the ramifications of converting federal student loans into private student loans! Just be aware that private student loans DO NOT offer the same consumer protections as private student loans so you must weigh the pros and cons before going this route! **This is for informational purposes only and I DO NOT endorse any company, products, or services***

My Chapter 7 is being filed by an attorney electronically this weekend. I will not reaffirm my car, but plan on paying to retain with the balance discharged. I'm upside down by about $4,000 on a 2011 Corolla, but have never been late on payments. My attorney has suggested I not reaffirm, and I can't redeem and a 722 redemption is not in my best interest. I was referred to a loan broker who specializes in pre-discharge and post-discharge auto loans. I think If I went on my own to a dealership the best I could do is 14 to 18 percent apr on a new car (just want a Honda Civic). I spoke with this broker. At first, I thought he represented lenders and was paid by them per loan, but he says he is actually paid by dealerships he has a relationship with. I explained the information on my credit reports and income, and he was confident he could get me financed at 11 to 12 percent APR and to submit an application once my petition is filed. He says he in essence cuts out the sales staff in deals, deals directly with the F and I guys at the dealership, and always gets his customers better financing. He says he handles price negotiating, gets complete terms from the dealership and if I don't like the deal I just walk. Has anyone had any experience with these type of brokers? I told him I would have $2500 down on a $20,000 purchase, and said it didn't matter, that he routinely finances with zero down. I found that advice somewhat disturbing. My credit bureau history is more than 25 years and I had stellar credit up until becoming disabled in 2008 and having to resign my $70,000 a year job. I should have filed Chapter 7 in 2010, but became hospitalized and had to pull out and get a refund from my attorney. The benefit of filing so late is that my derogatory trade lines will fall off sometime next year even when listed as IIB. From 2009 until 2003 I had zero positive trade lines, so when I bought this car I got hit at 24 percent interest. Since then, I have two positive trade lines for credit cards and a 15 month history of paying on time for the present auto loan. I routinely get auto refi offers in the 10 percent range, but didn't refi knowing this Chapter 7 filing was coming up. Any advice would be greatly appreciated. And I am very grateful for the experiences shared here on this forum.

Hi All, Long time lurker, first time poster. I'm not nearly as experienced as most on here but just have a general observation and am trying to determine the age old question of "why" My wife and I both have (about to close them) accounts with DCU for almost 2 years - with both have what I would consider to be fairly good scores - I'm a 718 FICO with around 9 inquires and my wife is a 754 with far fewer inquiries and low utilization, she does not have any baddies and I have one (a CH 7 that was discharged in 2005) that is only on one bureau. DCU denied us for a joint credit card about 6 months ago- claimed we had sufficient credit and too many inquiries. The real salt in the wounds was that the loan officer even said - "you all wouldn't even qualify for a secured card". Crazy! Thought about refinancing both our vehicles about 3 weeks ago - went through all the motions with DCU and again denied. A reconsideration request was made and it was approved at 12.99% for one vehicle, they would not refi both. Forget that. So we had enough of that and opened a membership with Logix last week - it was like night and day. We opened our membership on the phone and during the process the rep clearly indicated what was going to occur and presented us with offers we couldn't resist - membership approved, interested in a 15K card? - Approved, interested in any refinancing? Both vehicles were approved at their lowest offered rates. Any interest in a personal loan? Sure, approved at 36 months at 8.99%. I don't quite understand how one CU that we've been with for nearly 2 years does not feel we are worth the risk for any sort of credit product while an entirely new CU membership that isn't even a day old felt we were a good risk and offered all those approvals? And as a side note....the refinance process for both vehicles went off without a hitch. We've since decided to begin winding down DCU and moving our funds to Logix. My only criticism would be their iPhone App is a bit lacking and they don't seem to support two separate logins like DCU. Thanks for any comments

I have an account from Pioneer Military Lending from 2007, reporting to one CRA (Experian) that is schedule to continue on record until March 2014. That's about 5-6 months depending on if Experian removes automatically. Is it worth disputing now or should I just let it roll off in a few months?

Hello.. I found this article on Yahoo Finance and just seeking some feedback from anyone who might be familiar with the site removedbyadmin.com Also some guidance from those with more wisdom about using to build credit? Thanks Abril

I started fixing my credit about a year ago to get ready to buy a house. Well in june of this year I signed a contract with a builder to purchase a new construction home through usda. I used their preferred lender (guild mortgage) so I can get my closing cost paid for. filled out the application in june and started getting all paperwork together they pre-approved me for $220,000 through usda home loan. fast forward to this week and I get an email saying they need information about a collection that was with a co-signer but the co-signer is paying the bill so the debt got reaged which I told them. No they want 12 month payment from my mom and when I sent that they wanted the original contract that loan was so long ago. they now say they are going to look into it. will this stop me from getting approved??? they also want the disputes off of my credit report need help

Okay here's my deal. I applied for an auto loan with carfinance.com I got approved for up to 26K. They verified my income, employment and SSN... A couple days after my approved I called CarFinance to see what was the hold up and what was taking so long, the account manager said that they only needed references to give me the activation code for the loan check. So I gave her the references and she finally approved my loan and gave me the approval number to place on the check. She then gave me instructions on how I use the blank check they gave me.... I already had a car in mind (i had been shopping for weeks)... So i took my happy butt over to the dealership and made the deal! All this happned on 02/06/2013... Its now 02/26/2013 and I get I guess because of a stipulation my car loan is still not approved.... Let me back track ah bit. One of the stipulations of the loan was that I trade in or pay off my current auto loan. I told them that I didnt and couldnt do either. Then the prepresentative gave me a third options; another person could take responsibility for the loan, but this person had to be a resident in my home! And well since the new car was for the other person that lived with me this worked out well. So I told her that would be perfect and that I would go with option 3... I received the code for my check to use so I assumed that everything was great. Now 02/26/2013 we're back to this again.. My loan is not approved because of the financing dilema.... I havent received any calls from the Dealership, but the Fianance company seem's a bit shady... What do I do? I'm in California by the way. Thanks for your input and help everyone!

I have a loan with no adverse history, but just for last month - they did not report for the first time, which I assumed they would just double report this month. They reported this month, and reflects the current balance, but for last month it just says ND for no data. Is this costing me a few points since each month that reports "OK" is positive?

I am 26 years old. Recently married (May 2011) and a financial mess! Ok, so I might not be in as bad of a situation as some....but poor enough for my own liking. I have over $15,000 worth of debt and I have no clue how to tackle it. Oh and there is a plus, my newlywed husband is in the same situation. Most of the debt is from hospital bills, and miscellaneous things left unpaid as an irresponsible teen and young adult. The major (most expensive) things are a auto loan, ONE credit card that was put in my name when I was about 17 by a family member, and an unjust court judgement placed against me. We want to buy a house in the near future, we NEED to buy a car AND we have a baby on the way! I'm scared, lost, confused and not to mention full of pregnancy hormones that aren't making me worry any less. Needless to say, I need help. ~Jacquelyn