How can I consolidate my credit cards without hurting my credit? (Are there any secrets to paying off your credit cards fast without hurting your credit?)

I’ve sent a letter to the creditor asking for a deletion in exchange for a 80% settlement. I have not received any responses or reply and its been at least 30 days. How do I request validation of a debt or do I resubmit a letter to the original creditor. This debt is four years old, I don’t even though where its from. It is a utility company.

I have had one credit so far but my payments were not kept on this one card. So i have made my decision and that is to not apply for another one. What are some ways for me to build my credit without credit cards. I have my own apartment and my cell phone wit tmobile.
where are some places that i can apply for a car loan?

CreditLine iQ specializes in credit coaching and restoration assitance. There was so much information that we had to do this in five parts. Some of the things Ken will go over in this episode includes: – The 5 areas of your FICO – Impact of your Credit Actions – What to do with Inactive Cards – The Dreaded Credit Inquiry Ding – The Order of Things – The 30% Rule If you have any questions about your credit or want to start working to repair your credit, feel free to contact CreditLine IQ at (702) 543-1841. Carlos Rafael Cruz REALTOR | DRE# 01865777 Intero Real Estate Services 12900 Saratoga Avenue Saratoga, CA 95070 +1 (408) 786-5179 (Cell) +1 (408) 863.3179 (Office) +1 (408) 877.1595 (Fax)