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 I recently just got out of debt : ) how do I stay out? ?
Im happy and can finally see a black bank balance lol Ive seen red for far too long. any one have tips on how to stay out of the red?
I am a student..I think this might make a difference to ...


 Does anyone know the quickest way to improve your credit?
I mean besides paying it off... are there any companies out there that will help you reduce your debt.. besides the obvious credit counseling services that are advertised on TV and such. Ive heard ...


 Is there anyone that knows where I can get a long term loan for $5500.00?
I CAN PAY $400-450 A MONTH TO PAY BACK....


 Can a bank require you to have TWO Appraisals when applying for a Home Equity Loan?
I'm quite frustrated at the process involved with trying to get a home equity loan. Last week an appraiser did a drive-by appraisal and the value came back just fine. NOW, they're ...


 I couldn't pay back a payday loan and they said that are going to put me as a fradulant check writer?
Can they do that? I tried to make a payment arrangement but they wouldn't let me. What should I do?...


 Collections credit card account now taking me to court. How does a settlemt affect my credit? should i settle?
What should I do?...


 Which credit card, in your opinon is the best to get? and why?
I have been wanting to get a credit card for emergency purposes. I just dont know which one to get. there are so many!
Additional Details
I have good credit. I have other credit cards to ...


 I have been given a web address about bank charges. how do i know its real?
...


 How can I get a real free credit report?
What I specificly need is the companies that have reported against me....


 Can you file your business under bankruptancy w/o hurting your personal credit?
...


 Can a debt collection agency attempt to collect money they say is still owed to the original owner?
My husband and I purchased a vehicle in 2004. We couldn't afford the paymets, so we returned the vehicle to the bank. They sold the vehicle for less than what was owed. Now three years later, a ...


 It's my business and problem right?
My mom called my boyfriend of 8 mnths ranting over a cell phone I asked for her to buy when my razor went out the other day. I promised 2 pay her back. Unfortunately I never hav money for emergencies ...


 Does anyone have experience buying a used car with terrible credit?I have a high income of around 100K?
The bad credit comes from charge-offs on unsecured credit cards. i have had a mortgage for the past year in perfect standing....


 My wife and I are 45k in credit card debt,whats our best options to take care of this debt.?
...


 Reason for 0% APR Cards?
What is the reason for credit card companies offering a 0% apr card apart from the usual promotional spin? Is there somnething to do with the economic cycle we are in?...


 Can anyone help me finanially?
Would anyone like to send me money so I can support fiancially for next 3 month or so.
Something happend and need help.
Additional Details
bijan a
I'm a good person but ...


 E Bay Debt??
Just received a formal demand,from a debt collector on behalf of unpaid e bay fees,for advertising a car that wasn,t sold,the fees were for £130,i think that is ridiculous,should i pay,or ignore??...


 Catalogue debt?
Does anyone know if it is possible to transfer catalogue debts into someone elses name? I have a customer who has ordered quite a lot of things from my catalogue and now can't afford to pay and ...


 When a "credit check" is done when I wanna buy something, what do they check?.. my balance?
or wat exactly do they check on my account when they do a credit check?......


 How do you add good things to your credit?
I am 24, will be 25 in June. I have a 4 year old son. I don't own any cars, rent any cars or furniture, etc. I don't have a cell phone, or even a bank account. I do rent the top half of ...



PanamanianPrincess
Because of college I am in debt and may have to consolidate my bills will it look bad on my credit report?
                     
 




ThePerfectStranger
Rating
The amount of debt you have will surely affect your credit score. However, paying them and not letting any become delinquent is the real key. Your score will stay favorable if you make all you payments on time. Whether you consolidate or not is somewhat immaterial regarding credit because the amount of debt should not change. Consolidation may make it easier to pay them off and it does look better to have one large debt than a bunch of lessor ones.


Aimee s
Rating
I might be able to help you get out of debt so you won't even have to consolidate your bills

http://www.variinternational.com


sophieb
usually, unless you owe $10,000 or more most places won't let you consolidate. If you consolidate college loans it should not hurt your credit. You'd be better off though taking a part-time job while you school, or if you're out of school then get two or three jobs to hurry and pay off those student loans or they will haunt you till you're 95 and keep you from employment if they go into default. However is you consolidate your other bills then it does go into your credit report and looks as if you can't handle your money and might keep you from finance or banking type jobs if that is your career. You'd be better off taking extra jobs and eating beans and rice till your debt is paid off. If you go thru a consolidation program sure they will take off part of the interest (not on student loans though) and then you will be paying that agency a fee. All that does is manage your money for you, but you have to surrender your credit cards and stop buying. So you'd be better off if you figure a budget and then a way to pay it off so you'll learn not to overcharge in the future..


Hima K
I would suggest you to join a debt settlement company who will negotiate with your creditors and bring down your principal debt amount by around 30% to 70% depending on your credit companies.

You can make affordable monthly payments and be out of debt with 3-36 months. There are no hidden costs and upfront fees associated with the monthly payment option. Once you join the program, they will work on your unsecured debt within 24 to 48 hours.

Check out this debt settlement company who has helped me out with the same kind of problem.

http://www.debtfreeafterall.com

Good Luck


SPIFIMAN1
Actually it will not make any difference since your total amount of debt and your debt to income ratio will not change.

It will however make your bills more manageable which is the key to credit score. Pay your bills on time every month.


dhoni s
try for a study loan


sampathkumar.r.k k
Rating
u can get education loan .........
loan of any type u can get it very easily...........


Pay No Taxes For Life
Rating
It will not look bad if you consolidate, it will probably help your monthly payments. Credit scores are made up of many factors, I would suggest you look at this site www.genesiscreditgroup.com and see if they can help you. You need to find someone you can trust and who has the experience to help you with your credit.


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