http://www.SOSCreditRepair.com/CreditRepairInfo/GeneralCreditInformation/index.php http://www.SOSCreditRepair.com/rss/GeneralCreditInformationTips.xml General Credit Information from SOS Credit Repair This varies from one state to another. Although as a general rule, if the debt was acquired jointly, and even if a divorce judge has ruled that your ex-spouse has to pay for them, the creditors can still pursue you as they are not covered by the divorce decree as they are not a party to the di Thu, 17 Jul 2008 09:21:35 -0600 http://www.SOSCreditRepair.com/CreditRepairTips/12.php http://www.SOSCreditRepair.com/CreditRepairTips/12.php If the collectors are using means that can be deemed as harassment and are being deceptive, you can write a letter of cease and desist to make them stop. Make sure to send this letter by certified mail with a request for a return receipt. According to federal law, they should stop calling you Thu, 17 Jul 2008 09:21:35 -0600 http://www.SOSCreditRepair.com/CreditRepairTips/17.php http://www.SOSCreditRepair.com/CreditRepairTips/17.php Regularly, you can get a high grade credit report even after two or three years after filing for bankruptcy. This is because creditors are not generally interested in the shape of your finances years ago. What is important to them is your present financial state. With a great financial reco Thu, 17 Jul 2008 09:21:35 -0600 http://www.SOSCreditRepair.com/CreditRepairTips/6.php http://www.SOSCreditRepair.com/CreditRepairTips/6.php No, it is better to check first for the reason why you were rejected. See if there are errors in your credit report. Find out which credit bureau provided the erroneous credit report. File a challenge. If you truly have a poor credit report, make sure to repair it first before applying agai Thu, 17 Jul 2008 09:21:35 -0600 http://www.SOSCreditRepair.com/CreditRepairTips/20.php http://www.SOSCreditRepair.com/CreditRepairTips/20.php Everything here is © SOS Credit Repair, Copyright 2009, All Rights Reserved Worldwide.