 Can anybody tell me how can i find out what is affecting my credit record? |
I have recieve just denials from the creditors I apply. They say that I have a Collection, to which I honestly ignore what could it be, since I make all my payments on time.
Can i avoid paying ... |
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 Loaning money and want it repaid back? |
Hi all,
I have a dilema with an ex. Last year I lent her money for her to pay a cell phone bill (twice I might add), since then she claims that it was something I wanted to give to her, ... |
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 Will having multiple credit cards increase my credit score faster? |
| I'm currently 18, so Im new to credit and would like to build credit. I have a decent part time job and am currently a student and will be a student in college in the fall. I have applied for ... |
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 I have a credit card question.? |
| I am getting ready to start looking at houses to buy and I am wondering will the credit cards that I have out effect my loan? All my credit cards are paid off and I have good credit. But will they ... |
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 Credit card advice? |
| Does anyone have any advice on the best credit card on the market. I at this time have never had one. I want to have only one credit card for emergency purposes only. but I dont want to pick a bad ... |
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 If I transfer my credit cards onto my boyfriends will I still be the one getting the credit history? |
| I have 19% apr on my 2 credit cards he only has 4% it makes sence to transfer the balance on to his but will I still be building up good credit and credit history?... |
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 Is it okay to cancel credit cards that you no longer want? |
| My friend told me that if you close a credit card account that you no longer use that it looks bad on your credit. Is this true? For example I just applied for a United Airlines Visa card that is ... |
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 Are capitol one credit cards really better? |
| I had this card for about a year, I paid 100$ this month i bought about 70$ worth of stuff, even with a zero balance I would still have around 20$ , 10$ for charges, well i checked my statment and ... |
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 How quickly can a credit score go from 400 to 700? |
| lets say i start making regular payments on a condo.. car.. credit cards... phone bill.. electric bill.. cable.. car insurance.. over a 6 month period of time... would it go up 200 points?... |
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 Close Accounts? |
Hi, I have the following accounts:
Mastercard- $0 balance/ limit $700 opened 8/1/05
Cap 1 Visa- $0 balance/ $500 Limit opened 11/1/06
Dell Acct- $0 balance/ $2000 Limit opened 10/1/06<... |
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 If credit card debt comes off of your credit report in 7 years anyway why should i try to pay it? |
| I am in debt from when I was on maternity leave and I did not have a paycheck for 6 weeks. I am still having money problems and I can't pay the credit comp. all of the money they want, most won&#... |
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 Advice for Cleaning up Bad Credit? |
| Hi, I have pretty bad credit and want to clean it up but dont know where to begin (besides obviously paying off debts etc.). Is there a good online service that can provide you guidance on what steps ... |
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 I have not been able to check my credit report Is this mean im doing good? |
| So i havent checked my credit report or nothing since i turned 18 in May of 2007..(DUH) and I got approved for a Chase Freedom awhile back and today got approved for a Capital One card does that ... |
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 Credit card question? |
| If I have a balance of $351 on a credit card and the interest rate is 29.99 % APR how much will it take me to pay it off if the min. payment right now is $50. Also, How much money will I lose by not ... |
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I ♥ Richard KHC | Can you ask credit Card Card companys to defer a payment for one month? |
Can you ask credit Card Card companys to defer a payment for one month? Or a Car payment?
My husband lost his job awhile back, he is having trouble finding a job and we have had several unexpected bills this month. Do credit cards do this and will it affect my credit? I have done very good keeping my payments up and I don't want to mess up but I am just way over my head. Any suggestions will help. Thank You. |
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cutback
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You can definitely ask them. Don't think you are alone. Many people are losing their jobs these days. The best thing you can do is communicate with your creditors if you can't make a payment. If you do reach an agreement with them to skip a month make sure you get it in writing. If they agree to it then they can not report you as late to the credit reporting agencies. However, if they do report you as late or as having missed a payment and you do not have the agreement in writing then you will not be able to argue the report to the credit reporting agencies. |
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RanaBanana
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I know some banks will let you do that for car payments, mine has a clause in the contract stating I can defer one months payment up to twice a year, without penalty, if I apply 72 hours before payment is due. Check your contract.
I don't know about credit cards, but you'll never know unless you ask them. |
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mike
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usually they offer some type of program or something that comes with your monthly statements and you pay like 10cents for every dollar on your balance .its actullay kinda like insurance i guess, but it never hurts to ask |
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A.Mercer
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Call your credit card company when you are having problems. The #1 mistake that people make when they start falling behind is to avoid the credit card people. The credit card companies can actually help you sometimes. Call them, explain the situation. |
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DiamondGirl
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just call them and find out. They usually give you an extra month. sometime they give you up to 4 months depending on the credit card that you have. |
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Chris O
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Some do....some cards offer a 'freebie' month if you're in good standing.
Without knowing what card or rating you have, I would say the best bet would be to pickup the phone and ask. |
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tudorjason (matt)
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If a protection plan is paid every month by a fee based on a certain percentage of the balance, deferring payments might be part of it. |
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Cat
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Never hurts to ask. The worst that can happen is just that they'll say no. |
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