 Recieved a summons from a credit card. I am being sued for the sum of $11,364.24 with intrest rate of 11.990%. |
| First of all I did not charge this amount. My credit card limit was no where near that amount. I had used the card about 3 times cause about the 4th time when i was going to use it i couldnt find it. ... |
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 Is it bad to keep transfering your credit card balance, just to keep that 0.00% APR? |
Additional Details
You know......when there are promotions they state something like "0.00% APR for 1 year." After that promotional period has ended, does it look bad to ... |
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 What is the right way of fixing your credit/paying off your debt, without outside assistance? |
| My husband and I want to sell our house, but have made the really difficult decision not to at this time, since our debt seems to be really high. We've got about five student loans, two ... |
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 Credit counseling or debt consolidation? so confused!!!? |
| my husband and i are in credit card debt 35,000.. medical bills around 1,800 and school loan about 5,600... we are paying them all the minimum and killing ourselves doing so. we both work and hard to ... |
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 What's the best way to improve your credit score? |
| Hi. I'm a 22 year old college student and I've had my fair share financial struggles topped with poor responsibility, but now I'm wanting to build for my future. I've torn my ... |
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 What is the difference between good debt and bad debt? And could you give me expample of each.? |
| I just read somewhere where you can make money off your good debt. I just wanted examples of this.... |
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 Capital One credit card? |
| I used to own this card about 5 years ago. i was late on payments and they had put it to a collection agency. paid everything about 6 months later. this really ruined my credit. now theyre sending me ... |
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 Social Security Numbers? |
| So I'm sitting here with my girlfriend, and her sister - and we want to know how they come up with your social security number? Like why do some start with 364, or 593 or 591??... |
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 What are some good low interest credit cards? |
| and which type should I go with? visa, mastercard, discover....is one a better choice than the other?... |
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 Is there a way for someone on disability and has bad credit to get a personal loan? |
| i need a loan and i have no income except for my son's disability check and help from the state and i have bad credit is there anything i can ... |
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 Bankruptcy question? |
| i am contemplating filing chapter 7. i have an investmemt condo in miami in my name and my wife's name. will this be exempt from my creditors? ... |
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 Is it good to have a balance on your credit card? |
I'm new to credit cards.
I was always under the assumption that paying the full amount that you put on your credit card that month, at the end of every month (right before the due ... |
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| I mean most people my age are thinking of retirement. I feel like Rip Van Winkle.... |
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 Need help dealing with a collection agency? |
| These big Turds from Allied interstate collection company is calling my cell phone every hour looking for my wife. They are trying to collect a credit card she stoped paying 10 years ago in ... |
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 I checked with 2 credit scores sites. my equifax fico score is different. one is 518 and the other is 621 ,? |
| how do i know which site / and score is correct. i think this some bulls*** , unless someone tell me otherwise. please help me let me know, also what can i do to get credit score up. i have one line ... |
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 What credit card can I get if I have bad credit ? |
| I have bad credit and need a credit card. I need one that I can use to withdraw funds from the atm or use to make a money order. This is to pay my rent thats why I need either the cash or the ability ... |
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 Is this a scam? |
| someone claims to be a gov't official and wants to give me a $5,000 grant that i have to never pay back because i'm qualified. All the info he wants is my bank name and bank account #. He ... |
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 What is the best credit card for college students? |
| Can anyone tell me what the best college student credit card is? What's usually the credit card limit for students? I'm planning to get it just in case I need it when I go to South Korea ... |
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Pamela C | Credit Repair? |
Can anyone recommend a reputable credit repair company in the Arlington, Tx area? |
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Sgt Big Red
 |
You might want to use the following link to the FTC. This is a list of recommended credit counseling agencies to helpyou locate one in your area.
http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
Govt approved credit counseling agencies.
Those so called repair companies are not always the right choice and some will in the long run make things worse for you.
Avoid credit repair agencies that charge a fee to improve your FICO score by removing negative, but accurate, information from your credit reports. No one can force credit reporting agencies or lenders to remove accurate information from a credit report. Credit repair companies often take your money without delivering what they promise, or provide only temporary improvements of your score, sometimes by removing accurate information that will reappear later.
Here are some more links for you to research on how to handle your credit issues.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre03.shtm#improve
Building a better credit report.
http://www.ftc.gov/gettingcredit/
What you need to know about your credit.
http://www.ftc.gov/bcp/conline/pubs/credit/crdright.shtm
Credit and your consumer rights.
http://pueblo.gsa.gov/cic_text/money/creditscores/your.htm
All about FICO scoring.
Report from consumer federation on non-profit credit counseling
http://www.consumerfed.org/releases2.cfm?filename=040903ccreport.txt
Hope this answers your question. |
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Dan B
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Once the damage is done, only time can repair your credit. Incorrect information can be contested which may improve your credit score. Take the money that the credit repair company would charge you and use it to pay off your debts. |
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Bono F
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Сredit repair workеd fine for me. I used this service - http://freecreditreport.sinfree.net - They disputed and removed lots of bad items from my credit report. As I know they provide service in TX. |
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Tony S
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Yes you can.
You can eleminate your bad credit score. In this way you can raise your credit score,
http://credit-repair1.blogspot.com/ |
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SlimMick
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Accurate negative information cannot be removed from your credit files.
There is only one tactic that "might" remove some negative entries..and this is something you can do yourself. Per the Fair Credit Reporting Act you have a right to request written validation of each negative item on your credit file. If they can’t validate the item, they must remove the item. Send a written request for each negative item on your credit file with this simple statement:
Per the Fair Credit Reporting Act, I am requesting written validation of this item.
Do this one at a time for each item, not all at once |
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Dr. E-Nasty
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I'd contact a mortgage person in the area. If anyone knows a credit repair facility, it would be mortgage people.
There are also companies who will report positive credit to your reports too. |
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omegasearch@ymail.com
 |
I highly recommend you contact a company called ChurchHill Mortgage. They are an independent mortgage agency that I went through to buy my first house. They have a great staff there, and their brokers are very knowledgeable on how to improve your credit. Me and my wife followed their advice and within 4 months I had improved my credit score by 75 points and my wife improved hers by just over 50. That really saved us on our mortgage interest rate.
They have a website that you can look up. |
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Britt
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honey u th only person who can repair u credit n u can simply start doin dat bi payin ur bills on TIME especaily credit card bills, unless u need help from companies who can help u pay off ur debt not repair i wouldn't recommend those companies because it could be idtfy-theft they will ask 4 ur personal info. n u do not want 2 give that out to anyone especaily over the phone,n internet datz a big NO NO!!! however i recommend get a credit card thatz for credit repair!!! APR might be higher than regular credit cards but it worth getting for credit repair, jus make a chrge on it once a month n pay tha bal. in full every month! good luck its dorable!!:} |
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Rick B
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Credit repair?
What are you trying to accomplish? No one can "repair" your credit except you.
Report any incorrect information on your report to the agencies, pay off any debts you have outstanding, and start using credit sparingly and pay it in full when you get the bill. |
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