 Collection Laws? |
My brother has a debt from 1996. He has recently been contacted by a collections agency saying that they have been granted a 10 year extension to collect this debt.
They have been very ... |
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 What is the best way to get great credit with credit cards? |
| i want to know how much should i spend on each credit and should i pay off completly or should i leave a few dollars on i heard that you should use 30% on each then pay off each month but leave 5 10 ... |
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 Garnishing wages? For a car repossession at 16? |
| When I was 16 (not knowing what credit was and how it could affect me), I signed a contract with a bank for a loan with a co-signer who also got a loan for a car. The car got repo'd and now at ... |
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 How much do I have to owe to go bankrupt? |
I make around $33,000 a year. I owe around $60,000, is this enough debt to go bankrupt?
Additional Details
Is Credit Solutions a non-profit organization?... |
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 Can someone help me with this please :)? |
i'm trying to make a sign for my store that if you purchase something over 1000 dollars then you get to finance it and i want something along the lines of:
"get this look for ... |
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 What is the physical difference between a credit card and a debit card? |
Is it true that you do not need the pin and the password to use the debit card.
please help me on this?... |
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 Using someone's credit card after they pass away? |
| My mom is a signer on my step dad's credit card. My step dad passed away and my mom is still using his card. She plans on using it and not paying, counting on the fact that it doesn't ... |
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 Credit Report? |
| I need to pay all the debt off of my credit report. Is there any certain way to go about it, other than to just go to the businesses and pay it?? And after its all paid off, how long will it take for ... |
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 If you never use your credit card, can you still be charged a fee? |
| I am a college student and would like to apply for a credit card to start building my own line of credit, to be honest i dont plan on using it at all, just for emergency type of thing. But if i do ... |
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 Credit reports? |
whats a website that i can get a free credit report right away and one that won't hurt my credit by checking, i want to try and get a new car tomorrow. HELP PLEASE!
Additional Details<... |
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 How can I raise my credit score 50-100 pts in 6 months? |
| I had became ill and thus, went through some financial hardships....so, please don't judge. my credit got messed up. I would like it to go up 50 to 100 pts in 6 months. is this possible? and if ... |
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 About to marry into some credit problems.? |
| I may be getting married to someone who has at least 13,000 dollars in credit card debt. His first finace was to blame (or so he says) but the point is, the debt is there. I feel like I'm going ... |
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 What credit card can I get with bad credit? Any luck??? |
Hi,
I have like extremly trashed credit from back when I was 18. I am 23 and basically didnt care when I turned 18 and now regreting it. I am VERY good with money and responsible. I ... |
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 Does it help your credit to pay your credit cards off and never use them again? |
| I managed to make some credit card debt trying to raise 2 teens by myself w/ no child support. They have moved out and now I am paying off the debt and have very small balances on the cards like $101... |
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 What's the difference of going to court and not going to court for credit card debt.? |
| I have a summons to court for next week for capital one credit card debt that's indeed mine and if I go or don't go the judgment will be filed against me because it is indeed my debt and I ... |
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flprincess | Credit Debt Question??? |
I have about $3,000 worth of credit debt. 4 of them are past due and 2 went to collections. My mom is paying them off for me. (Long story, and I know its embarrassing) How long will it take for my credit to get better if all my debt is payed off? I am thinking about getting an apartment in 7 months and I was wondering if this could affect it. |
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just.me
 |
i hear once you mess up your credit it takes up to 7 years after youve paid the debt for it to be wiped off your record. my good friend was in a ton of debt and she still lives with her parents at 23 because she messed up her credit when she was 19/20 years old and its still on her record whenever she tries to get an apartment to lease. Good luck! I hope i helped! :) |
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Jen&dalejr88
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the faster you get your debts paid is great , but its still in your credit history for so many years. now you need to work on gettin your credit . goodluck. otherwise some places let u get a co sighner to get the apartment. |
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justinswissler
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it might but you have just have to pay a bit more. credit can take a long time to improve. |
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Jennifer
 |
Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://d6b0.easyurl.net |
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G-man
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Well ... little by little it will get better as time goes on ... but it will probably take 3 - 4 years of good credit behavior before it has little impact on your credit score and 7 years before it's completely off your record.
And Yes ... this most definitely could affect your chance of getting an apartment. Businesses don't like to take chances on people with poor credit histories as it suggests that you are irresponsible and may put them or their property (the apartment) at risk. After 7 months of good behavior ... they may very well rent to you ... but ... the rent may be higher and the security deposit may be higher as well.
Good Luck. |
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Cyryder
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35% of your credit score is based on your payment history..It takes 7 years for late payments to stop hurting your credit but it hurts your score less as the months pass. Make sure you check your credit about a month after those are paid, as sometimes the collections will still show as unpaid, and you may have to contact them to correct your credit info. Don't close your credit cards,(unless they have unnecessary annual fees, etc) but keep your balances at $0 or low balances. 30% of your credit score is based on how maxed out your revolving credit lines are, so keep the total that you owe vs. the total of your limits at a low %. Also, if you only have a few lates, I don't think this is going to hurt you getting an apt. it doesn't help, but landlords are really looking to make sure you don't have a judgment from another landlord (ie. $4,000 for not paying rent and damages to apt at prior apt, etc..). |
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Gertie
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talk with your mother about how she is going to be paying them you might be able to make arrangements with the companies to mark your credit report as pays as agreed once its paid in full. but make sure you get everything in writing |
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Irene B
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Yes, it will affect your approval for an apartment unless it's a private party that does not care about your credit. Unfortunately, it will take a long time (7 years) for your credit score to improve; however, keep paying off the cards and try to wait for the apartment until you are free and clear of debt. Sounds like you've made a few mistakes but it'll get better. Don't spend unless you absolutely need to. |
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