Welcome to the Credit Talk Forum on Creditnet.com

Creditnet.com is dedicated to helping consumers build, maintain, or repair their credit.

The Credit Talk Forum is one the of the longest-running consumer credit forums on the Internet. The mission of our forum has always been to provide a safe environment for consumers to ask for help and advice in understanding and improving their credit. From bad credit to no credit at all, consumers of all scores are welcome and encouraged to join the discussion to ask, answer or simply read along.

Since 1995, nearly 500,000 questions have been asked and answered on the Credit Talk Forum by over 30,000 members. Feel free to search and browse through our helpful posts, and when you're ready to ask your own questions, it's quick, easy and free to register an account.

With the right advice and a good attitude, consumers with heavy loads of bad debt or a poor credit scores (or both) can work at improving their score with the help of Credit Talk's dedicated forum members. At Credit Talk, the conversation is always on topic, and the wealth of knowledge impressive given that these are everyday users with the same objective in mind: building credit.

At Creditnet, we're of the opinion that consumers can improve bad credit scores from the ground up without the help of costly credit repair services. Frankly, there's nothing a credit repair service can do that you can't do yourself at a fraction of the cost! Get free credit repair help from friendly and helpful users just like you, courtesy of the Credit Talk Discussion Forum.

No matter your score, don't hesitate to ask the tough questions - or give the good answers - in on one of the Internet's oldest and most helpful discussion forums related to credit and personal finance.

Testimonials

Huge success using info here - THANK YOU! ...want to thank all those that make this the best single source for credit repair information that exists anywhere.
- mrgreen
Just want to say THANK YOU for all of the awesome information on here...this site, all of the info. contained herein, and all of you AMAZING people!
- Jupiter

Recent Posts

date of first delinquency on a card settlement

Fri, 19 Dec 2014 21:20:18 GMT

Hello, I settled 2 accounts last year one with Lowes and one with CareCredit both under synchrony bank now. I paid on time for years then waited...

Newbie question after 3 CRA disputes

Fri, 19 Dec 2014 15:19:16 GMT

Any help is appreciated. I requested VALIDATION of debts from all 3 CRA's. They responded with VERIFICATION and most stayed on (1 deleted out of...

Secured Credit Cards

Secured credit cards require a deposit with the credit issuer, but they have higher approval rates and will report your payment history to the credit bureaus so you can begin rebuilding your credit scores.

First Progress Platinum Prestige Secured MasterCard®

Ongoing APR
11.99%
Setup Fee
N/A*
Reports to Major Credit Bureaus?
Yes
Show More Info

First Progress Platinum Elite MasterCard® Secured Credit Card

Ongoing APR
19.99% Variable
Setup Fee
N/A*
Reports to Major Credit Bureaus?
Yes
Show More Info

Open Sky Secured Visa Credit Card

Ongoing APR
17.50%
Setup Fee
N/A*
Reports to Major Credit Bureaus?
Yes
Show More Info

First Progress Platinum Select MasterCard® Secured Credit Card

Ongoing APR
14.99%
Setup Fee
N/A*
Reports to Major Credit Bureaus?
Yes