 How do you fix your credit? |
| I want to fix my credit history. HOW?... |
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 If I don't pay a credit card bill on time what will happen? |
| if i send in a payment, say, like a week or two late, what will happen? what if i tell the credit card company that i don't have the money now but I'll try or will be making a late payment? ... |
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 Can i get an car loan with a credit score of 530? |
| does anyone have any idea what kind of interest rate i can get or if i can even get a loan. the only debt i have is a 4k school loan. i live in northern indiana. where should i look first. no buy ... |
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 Is it legal for a company to check your credit without your approval? |
| I specifically did not give them my ssn and told them not to run a credit check but they did anyway....is that legal?... |
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 What is the best solution for credit card debt? |
| I am way in over my head, I have 6 credit cards and I'm over $12,000 in debt. I have tried to take out a loan at the bank to consolidate but i got turned down. I can barely afford the minimun ... |
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 After paying off a credit card what is the best thing to do, cancel or no? |
| I just paid off credit card and don't know if I should cancel it or if I shouldn't.... |
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 Credit Card...? |
| So I've applied to so many places to be able to get a credit card NOT a debit card, but i cant find anyone who will accept me. does anyone know of any good sites to look up credit cards for ... |
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 I have received an email telling me that if i have credit cards which i took out before 2007 they can be wiped? |
| can credit card bedts taken out before april 2007 be wiped out with no effect on credit rating seems strange to me what does anybody else ... |
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 Should I pay the deliquint account or leave it? |
| I'm trying to raise my credit score. I've heard that once an account goes into collections you should leave it alone because if you pay it, then ur score gets lower. One of my derragatory ... |
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 How can I settle my credit card/personal loan debt? |
| I have credit card/personal loan debts and looking for a lumpsum settlement. Due to financial problems I'm not paid last few EMIs.... |
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 Paying off credit cards? |
| ok so I have my credit report and money. What's the best way to pay them off. Should I negoiate with them for a lower price, pay the whole balance, make payments??? Im looking for the best ... |
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meena2002l | 30,000 credit card debt? |
i am 30,000 dollars in debt..i am 60 years old nurse tired of working..how can i pay this off fast..without bankruptcy or loans.pls help!!!1 |
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hello
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Stop spending, start paying down your debt, start saving for retirement, increase your income. That's a lot of debt for someone your age who should be about to retire. Seek debt credit coucelling so they can help you out. |
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jeannette2780
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Be careful about accepting settlements from your creditors. What they don't always tell you about that, is that is a creditor settles your debt, and you get out of paying more than $600, you have to declare that money as income on your taxes. So, if you can settle your debt for $15,000 between all of your creditors, you will roughly have to delcare an additional $15,000 (the amount you were forgiven for ) as income. |
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franco vita
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dont worry about credit score and start allover |
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beauty s
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if your a nurse u should be making pretty good money.. so put like 10% of your paycheck away and pay off your bills one by one and don 't use any of your credit cards.. Good Luck |
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Jess2424
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there is no other way around it if you don't have the money. If you have 15,000 of it, usually credit card companies will settle on 50% if you just want to close it out. Otherwise, if you don't have the money or any money in your house, loans and bankruptcy is your only choice. |
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en tu cabeza
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Check out DaveRamsey.com
He calls it the Debt Snowball. You put all of your debts out on the table from smallest to largest. You start by paying only the minimum on all but the smallest. On the smallest you put as much as you can till it is payed off. Then you take that amount of money and add to the second smallest debt. And so on. Pretty soon you are paying large sums on your debt and they are going away one at a time. Cool. |
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xylina_69
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Sounds like you need to better budget yourself.
Keep track of what you are using your credit cards for, I can pretty much guarantee that 90% of it is not needed to survive, and was not an emergency situation.
You need to pay down your credit cards, and lower the limit each time that you do so that you can't use the newly available credit.
If you don't take charge now, you aren't going to be able to stop working any time soon. If you just stop paying, the card companies will take you to court, and you may lose more than you would if you just claimed bankruptcy...
If you adamantly do not want to claim bankruptcy, then consider paying off the cards using a consolidation loan. It will set your payments over a set time period, all of your current cards will be closed, and you will be on the way out of debt.
Solid Advice - Cut up your cards so you don't use them for everyday things. If you can't pay off the balance at the end of each month, you shouldn't be using them... |
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