Portfolio Recover Associates is a collection agency who claims their communication is an attempt to collect a debt.

You are about to get married, and your Fiance’s FICO Score is 200 points lower than yours. Once you wed, your scores will be combined, and your mate’s low score will pull yours down.

One of the pre-filing requirements involves obtaining a certificate of successful completion of credit counseling with a government approved counseling agency. The counseling can take place up to six months prior to filing. If time is of the essence in filing for bankruptcy protection and you have not completed the counseling sessions, this can cause delays and problems so don’t wait until the last minute.

Let’s say you already have a past due on your report and you want to get the debt off your back, so you agree to pay for 75 percent of the debt.

It’s important to note that repairing bad credit takes time and there is no quick way to fix a credit score. In fact, out of all of the ways to improve a credit score, quick-fix efforts are the most likely to backfire, so beware of any advice that claims to improve your credit score fast.