 Are credit management companies a good idea to eliminate debt? |
| I'm going through a credit management company to help me lower my debt. I am about $15K in the hole with various credit cards and department store credit cards. I mailed out cease and desist ... |
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 Will this hurt my credit? |
I had a credit card for over 6 months with a limit of $500. I always left it under $70 charged on the card and I always pay more then the minumum payment due.
But this last month I got it ... |
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 Do you know the number for capitcal one, to pay a credit card bill? |
Additional Details
Are you lot being serious! I just need the number for it and I cant get onto the website for some reason, and it isn't on the back of my card!!... |
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 Our credit scores are 520 and 580 - we make about 90000 yrly - can we get a mortgage in the next 6 months? |
| We filed bankrupcy in 2000 and have had a charge off that was paid in full - currently we have small past due acounts all about 2 yrs or older. We have 5 credit cards that we opened within the last ... |
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 Impossible to get a credit card or loan..? |
Is it me or is it nearly impossible to get a credit card or loan with any negative information on your credit report??
I remember back in the day where they gave out credit cards like ... |
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 Score currently crap (601equifax, 595 experian, and 549 trans)? |
| My score was 750 until my spouse lost his good paying job, and couldnt get equivelant pay so our income drastically dropped. We continued to pay good on house and cars, and tried to make cc payments.... |
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 How can I improve my Credit rating in order to get just one credit card? |
| There has been some sort of bad credit go against me due to a dispute I had with a lender a few years back. I have nevertheless settled all my debts in full but this bad credit rating still remains. I... |
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 What do i do now? |
| Lately i have been receiving weird e-mails.Saying that i need to give them my account number,my full name and my passport number because of someone i hardly knew that had died in 1998.His name is Mr. ... |
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 Must wife pay credit card debt of deceased husband? |
| will wife assets be used to pay credit card debt of deceased husband with no liquid or hard ... |
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 Bad credit history, who to turn to for credit help ? |
| I have a fairly bad credit history, but need to get a credit card, can anyone sugest who to apply to please.... |
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 Which bank will give a discharged bankrutee a visa card? |
| A friend of mine was discharged from her bankruptcy early december last yr and wants to get a visa card so she can pay for goods in shops and over the net.She doesnt want an overdraft or any credit, ... |
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 Am I going to be forced to live in a cardboard box? |
| I will graduate in 2 weeks with a Master's degree in Mental Health Counseling. Yes, this is a great accomplishment, but it has come with a hefty pricetag of about $90,000 (undergrad debt ... |
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 Does your credit score go down everytime somebody checks it? |
| Ive heard that and I was wondering how many times does it take for your credit score to decrease? Im trying to buy a car and two dealerships have checked it so far but i want to try one more car ... |
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 Pay off car, or pay off credit card? If anyone can give me financial advice it would be appreciated.? |
Ok, so here is the sisuation.
I have a new car loan for 21,000K dollars, at 8.5% interest. My payment is about 390$ a month.
I owe a installment payment to Bank of America, for two credit ... |
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 Applying for a credit card that would build my credit report? |
| Hi all, I am new to the united states and has been living here for a year. My current credit score is between 600-700 and I want to open a new credit card account to build my credit history here. W... |
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 Bankruptcy possible? |
| We are a family of 3, annual income about $21k. We have about $5k in credit cards, $7k in medical bills, $14k in student loans, and $2k in miscellanous debts (utilities, etc.) As well as about $15k ... |
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 What is the best first credit card to get? |
| I would like one hat has good rewards, with no annual payments, i have no ... |
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Anthony A | Are the credit repair programs worthy ? |
I have had a few people approach me about paying $250 for their credit repair service and it would help to increase my credit score....how does this service work? |
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KL M
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NO NO NO
you should NEVER have to 'pay' anyone to 'fix' your credit!!
just be smart about it. pay current bills on time. don't accumulate new debt. work at paying off old debt. contact creditors directly and explain the situation they may work out a better deal with you. sometimes you can pay off credit card debt at a lower settlement.
but you do not need to pay anyone to do this! |
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luna42
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try www.creditboards.com --you can do it yourself--its a lot of info when you first start to read--but it's knowledge that will help you now and in your future. |
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Faye H
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Please read the Federal Trade Commission link (below) on credit repair services.
If you must use a credit repair service, go to the Department of Justice link (also below) and find one of the ones they have approved of for debt counseling. At least you have a decent shot of getting an ethical one that way. A lot of them are total ripoffs. |
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cpaige517
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Try http://www.newmillcredit.com It's a lot of info that you may not be aware of. Maybe you can find what you are looking for. And yes it is true. You can do it yourself. It just takes time and patience.I am the owner of this company ( New Millennium Credit Repair )and we do well because we are honest and upfront. We educate the customer on consumer credit laws and we don't lie to them just to get paid. We perform a service and we help the customer in the process the legal way. Be careful though because some companies are rip-offs. I hope my site helps you out. |
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ZX7RR
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I will keep it short and simple. Credit Repair is a gamble. Credit Repair companies try to dispute all remarks in hopes the creditor cannot produce the proper paperwork to defend themselves. If you owe someone money, they will produce the paperwork. Now, if there are actual inaccurate remarks, thats another story. Pay off or settle your debts and start rebuilding. |
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Maggy G
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No need to pay someone for something you can do yourself. I used a "do-it-yourself" credit repair kit that costs a tiny fraction of what those companies would have charged me, that I purchased from the below website |
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debraalbagli
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No.The best way to a higher score is to pay your bills on time and never owe more than 20% of your credit line. |
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Casey
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Bad idea. . .usually those kinds of services are ripoffs. |
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june e
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I dont think it will work at all...........
Step-by-Step Credit Repair Guide: Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in |
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