 I have many credit cards and want to destroy all but 2.? |
| My credit score is in the high 700s. How will closing the cards effect my score and for how long? The 2 cards I am going to keep are my two oldest cards.... |
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 Does anyone consider 45,000 a year poor? |
I was talking to someone one time and they though anything under 50 grand a year was doing bad. I think it's fine! Certainly not wealthy.....but middle class.
Additional Details
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 Getting a Credit Card? |
| Wheres a good place to get a credit card if you have no credit and no credit score ??ANY SITES??? Or do you know another way to build up your ... |
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 Whats the best way to build credit without drowning yourself in debit? |
| My boyfriend and I want to buy a house together in the next few years but the only thing on his credit is one apartment he had for 9 months. On mine all I have is some money I owe a phone company and ... |
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 Do I have bad credit at the age of 16? |
Okay, when I was 14-15
My brothers used my social security number and I blv my name aswell to get cable, cellphones and stuff. Since they had bad credit.
And they did get those ... |
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 Will they replace a $100 khols gift card if it was thrown in the fire? |
| I got a $100 gift card from Kohls for Christmas and my mother accedentally threw it into the fire. My brother and sister also got them however they still have theirs and my question is, can we void ... |
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 Does anyone else find loan adverts really annoying eg picture? |
if I want a loan the awful ad's wont make me get a loan through them.
I'm less likely to go to Picture loans or the one with carol vorderman. I think they should spend less on ... |
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 How much interest can credit cards legally charge? |
| I am a new york state resident with a credit card that just sent me a bill with an APR of 32.24%. I am in good credit standing (make all my payments), but am carrying too much debt relative to income.... |
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 Should I cancel my Discover card? |
| I've had a Discover card for about 10 or 15 years. Back then it was one of the few cards I could get. I HATE the company. They are constantly calling me with lame offers and mailing me those ... |
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 Do we really need credit cards? |
| I'm still a minor , and I'm just curious , Dealing with credit cards ( from what i've read ) Seem's rather difficult and annoying , So do we really need credit cards now a days?<... |
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 What is the best way to go about financing a car when my credit is very average? |
| I don't want to put alot of money down and would like reasonable payments. Can I get pre-approved by my bank of 20 years? What is the best way to go about this?... |
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 Why do banks put your check on hold for 2 weeks after deposit it jst bc its a out of state check? |
Additional Details
its a check freom work so it couldnt be bad i hope this doesnt happen everytime i deposit a ... |
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 I got a home loan for 4% fixed is this too high or about right? |
| check out http://get-a-home-loan.n I got the quote at 4% over 15 years is this good or bad?... |
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 A Question for people with debt coming out of there ears.? |
| Why do you try to spend money you have not got. Yes we would ALL love an £80,000 merc stood on the drive, But if you cant afford one why try to buy just to impress the Joneses. Who are these Joneses ... |
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 "what is meant by credit card balance transfer"? |
| can anyone explain to me what does it mean credit card balance transfer and how it can be done within different credit cards..... |
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 My credit card company is harrassing my family but offering me a settelment is any of this right or legal? |
| ok i've always paid my credit card on time,usually min. payment but anyway we have fallen on some serious hard times and its very late, they have offered me a settlement of only 20% of the ... |
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John R | Can some one please advice me on how to consolidate my countless credit card debt, who do I trust?Help!!!? |
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stopccdebt
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You may wish to find a local financial or credit counselor that can help you examine your financial situation. They look at your income and the amount and types of financial obligations that you have to see what options you have for improving your situation.
There are many agencies that offer this service at no charge. You would want to find one that has a satisfactory rating with the Better Business Bureau.
Here is a directory of some reputable agencies by state. |
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Waine
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hi there! Well, have a cup of coffee, sit down, take a deep breath and get stuck into these, lol:
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
if you get any luck please don't forget about me lol, hope it helped you! |
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ldsmama
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Try talking to Primerica Financial Services, they will give you a free financial needs analysis (financial plan) that will show you how to get out of debt and become financially independent, their services are free, and they can help.....at least they did for me, $10K of debt almost paid off :0) Look them up in phone book |
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sallypointer
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Ok, don't panic. You need to approach this very logically and without taking out any more debts! There is a sensible overview of how to deal with this here, it worked for me
http://www.quazen.com/Home/Personal-Finance/Managing-your-Debts,-a-common-sense-approach.525
Good luck, and hang in there! |
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Mr.Morgan
 |
Step one: Do not work with any debt company or collection agency
Step two: follow step one
Step three: Work with the original creditor only!!!
Step Four : follow step one and three
If you own a home get a second mortgage and pay off all your debt....good luck |
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buypepsinotcoke
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DONT cut the cards up and cancel the accounts. the more accounts of credit you have the length they have been opened and how much the credit limits are on each card highers your credit score.
closing accounts shows you cant handle a lot of credit cards and may make you look unresponsible with your money. the more accounts you have open and the different kinds the better.
if you get a loan and pay off all your cards and just pay one monthly payment you credit score will go up and there will be no need to close accounts which may negatively impact your credit score since you have less money available credit card wise in your name.
ALSO CAPITALONE.COM FOR GREAT DEBT CONSOLIDATION IM TALKING YOU CAN PAY WITHIN 1 YEAR TO 30 YEARS AND THEY DONT MAKE TOO MUCH OFF YOU IF YOU PAY WITHIN 5-10 YEARS. |
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jititi j
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How to Manage Multiple Credit Cards
With the rising competition in the credit card market, many issuers are launching new cards with attractive features to entice people into applying for their cards. As a result, it has become very commonplace for people to own more than one credit card. But what they forget is that using multiple cards means proper management of your finances.....
http://debt-refinance-loan.com/category/How-to-Manage-Multiple-Credit-Cards.html
Credit Card Debt Consolidation Loan
When using the credit card, people ignore the consequences of using the card too often. Frequent use of credit card causes bills to be accumulated and worsens your credit score. Besides lowering ..............
http://debt-refinance-loan.com/category/Credit-Card-Debt-Consolidation-Loan.html |
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sc
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Debt diet or Debt management programs they definately are trust worthy in helping. |
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peppermint_paddy
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Consolidate them with a pair of scissors and a green garbage bag. Cut and take to curbside. |
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shin
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Step 1, Cut all the credit cards.
Step 2, speak to the banks, and negotiate for a better debt repayment deal (lower interest). |
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d&N
 |
There is a website called http://www.debtsteps.com which has lots of info on debt consolidation. |
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