Q: I need to know how to remove two late payments from my credit report. Can you remove late payments to begin with? Or at least dispute them? I found a nice townhouse and applied for the mortgage, but Chase loan officer explained I have a 30 day late credit card payment from some 18 months ago and a very recent 60 day late on car loan that not even mine. I cosigned for my sister just over a year ago, she was paying fine, then she lost her job …

In this home buying guide I want to focus on emotions of the buyers. Let us forget for a few minutes about your down payment and credit history, even though, we will of course talk about those. I suspect, it is going to be one very long post. So bear with me. Emotions, you see are quite dangerous thing when it comes to buying a house, especially your first one. How to buy a house in 2010 without getting yourself into trouble? Put your emotions aside and keep them there. …

You can negotiate credit card settlement with literally any lender and settle for a lot less that you owe. Does not matter which bank or credit card issuer you are dealing with, Chase, Bank of America, Capital One, American Express or some no-name collection agency that drives you crazy – you need to engage them, negotiate and settle. Conduct debt negotiation on your own. If you get someone else involved as go-between, your credit card settlement will be more costly and you also end up paying high fees. It is …

Two of the best secured credit cards on today’s market for consumers with bad credit are Gold and Platinum HSBC secured credit cards. Notable highlights of the secured Visa cards include,
- no minimum income required
- annual fee waived on Platinum card
- international recognition
- long lasting rewards
Pity, because both secured cards are only available in Singapore and HSBC Asia Pacific region. If you have bad credit and live there, either card will be quite good to rebuild credit.
The HSBC Secured Visa card does not even require a minimum income to qualify. …

Find sample credit repair letter documents in our archive – fast credit repair you can do yourself without having to pay for costly services or attorney fees.
For those that don’t have the time to write letters personally, please see our credit repair reviews page for additional information on credit repair lawyers and services.
Sample Credit Repair Letters:

Sample Credit Dispute Letter
Sample Pay for Delete Letter
Sample Debt Validation Letter