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- Regan Shinski
Credit Repair/Expert Profile
Expertise
I can help answer basic questions on credit repair, credit counseling, FICO scores, basic credit planning, and the cause and effect of credit related decisions.
Experience in the area
I have successfully had over one hundred derogatory accounts removed from credit bureau reports. Although not an attorney, I have successfully negotiated, litigated, and settled with creditors for cash amounts.
Education/Credentials
BA University of Minnesota
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response P = Politeness| User | Date | K | C | P | Comments |
|---|---|---|---|---|---|
| David | 07/25/11 | 10 | 10 | 10 | Thank you, I appreciate your response. Easy ..... |
| fred | 07/17/11 | 10 | 10 | 10 | Great answer well put |
| Jared | 07/01/11 | 10 | 10 | 10 | Well thank you for your reply. I ..... |
| Peter | 03/23/11 | 10 | 10 | 10 | |
| Sara | 03/23/11 | 10 | 10 | 10 | Thanks. That is kind of what I ..... |
Recent Answers from Regan Shinski
2011-07-15 Establishing/Repairing Credit:
Hello David: Specifically on this credit card, there is nothing you can do other than use it, pay it on time, and keep the balances at a minimum. As time goes by, it will have a bigger positive impact
2011-07-05 credit score:
Hello Fred: The EXACT scoring method is a closely guarded secret so franky no one can tell you for sure. I can tell you that the stronger and longer your credit score is, the bigger hit it will take
2011-06-06 Credit repair:
Hard to say. Six months may be early. Are there any other positive accounts showing? Maybe try two cards if nothing else. Imperitive that you you pay on time each month and ideally keep the balances
2011-05-31 Charge-off:
I believe your best bet is to find the vehicle. The reality is if it is in your name, you are going to have the liability (financial and legal) until this is taken care of. Two immediate thoughts are
2011-05-18 Negative accounts on credit reports affect applying for student loans:
Hello Mo: Yes, it can damage your credit a decent amount. The specific amount is impossible to say as the credit scoring formulas are a more closely guarded secret than the combination to Fort Knox
Answers by Expert:
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