 Credit scoring confusion? |
| I had a credit card back in the 90's. I closed it in 2001 with a balance of $5000 when I got laid off. I tried to keep up the payments but couldn't and stopped paying. It is now on my ... |
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 Do I need to pay off a credit card statement balance and recent activity to build credit? |
| When I recieve the statement of my credit cards, it tells me the statement balance for example is $100. It also shows recent activity since my billing cycle ended, for example lets say $25. I have ... |
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 I need some credit and i have no money what can i do? |
| for my mobile i'm only a kid but still i need 2 soalist (can't spell oh well) and my parent dont get payed for a while is there anyway i can get free tx's with oyut spending my money?... |
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 If I went to a real court,judgement against was rendered by a phony judge, do i need to pay judgement? |
| I went to court in cook county circuit court after my credit card co. who told me i was in good standing, alledgedly sued me for a judgement on a credit card fraud. the small claims court judge turns ... |
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 How do i get a credit card when i have bad credit? |
| most credit card they send the states one i want to try to fill one in for ... |
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 Best way to improve credit score? |
| My credit score is bad. I was young and dumb and now I'm paying for it with a score below 600. Its hard for me to get a credit card application approved if I apply. I make good money and in ... |
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 Can my boyfriend and I apply for a car loan as co-applicants? |
| We need an extra car. The dealership says that I make enough money to finance, but my credit score isn't that good. My boyfriend doesn't have the income, but he has a good credit score. W... |
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 Does a judgement fall off your credit report after seven years? |
| My nephew has a judgement against him for credit car debt. He is paying a monthly installment on it and will have it paid off in less than three years. He asked me how long it would stay on his ... |
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 I recently paid a bill which was a couple of days late arriving.. they have now charged me £20 for lateness.? |
| I thought there were rules against this, whereby they cannot now charge you astronomical administration fees ?... |
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 Why do they say bad creditors will leave your credit report n 7 years? |
| I am tryin 2 clean up my credit and researching 2 learn more about my credit report, but there r items that is on it that is older than 7 years. they say creditors come off after 7 years?... |
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 How do i go about closing my credit cards with balances on them.? |
| Do i just call me and tell them and keep makin monthly payments on them.... |
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 Help! I'm being sued by creditor! I already answered summons. What now? |
| I added this creditor to a debt management program 2 years ago & I have made substantial payments every month for 2 years to Plaintiff's attorney. (That's what creditor requested) I ... |
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 Can you use a debit card to by stuff on ebay?? |
| i'm pretty new to online shopping and debit/credit cards, anyway, wanna ask, can we use debit cards to by stuff on ebay just like you do for credit cards?? kinda confused about debit cards... i ... |
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 Credit cards? |
Additional Details
how do I get one and what is the best way to go about it? Recomendations?... |
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 If you have really bad credit, and want a credit card to rebuild your credit.....what credit card? |
| I'm trying to get a credit card to build my credit back up....and I have really bad credit....what credit card can I apply for, and get accepted?... |
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 Walmart credit card? |
| I am thinking about applying for a walmart credit card but I dont really have any credit at all because I am 21 and I go to college and still live with my parents, but was wanting to have one because ... |
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savannah B | Debt Consolidation? |
I have several credit cards, all of which have substantial balances (totaling about $14,000). I'd like to contact one of those debt management programs to see if I can consolidate my bills and get this crap paid off once and for all, but I don't want to get mixed up in some scam or something that is going to hurt my credit score, which is a relatively good 704 right now). Does anyone have any suggestions or experience with these things? Or a company that you can recommend? I'd greatly appreciate any advice. |
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Pengy
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Yes it can be done and dependent upon your credit score and income can be secured or unsecured. The problem with this is most people will then again realize that they have credit available, and then max out their credit cards again, putting them in a worse condition than they where before the consolidation. It is an ongoing cycle, and human nature. Your score will take a minor hit for about a month unless of course you decide to use them cards again. If you do this would suggest cutting up all the cards except one, and lock that one away for only emergencies. |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and avoid bankruptcy.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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dave
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Savannah,
There's a good article at eHow on steps to take to begin tackling your debt. Take a look at it:
http://www.ehow.com/how_2326032_avoid-escalating-debt.html
How to Stop Escalating Debt
It includes information on companies that can help you with debt consolidation and reduction.
You can also look here for tips on earning some extra cash online:
http://www.ehow.com/how_2254361_money-internet.html
How to make money on the internet, scam-free
Lastly, here's an interesting alternative to conventional lending...getting a "social networking" loan from Virgin Money (from the same folks who run Virgin Airlines):
http://www.ehow.com/how_2310995_student-loan-through-virgin-money.html
Social Loans from Virgin Money
Hope these help. |
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OhioRob2
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if you consolidate your debt you are taking unsecured loans And making them a secured debt,Meaning they can take your home if you dont pay. You are better off paying the way you are or talking with the card companies yourself to see if the can give you a better rate. |
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netdebt1
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Here are some lists:
http://www.dmoz.org/Business/Financial_Services/Financial_Planning/Debt_Consolidation/
http://dir.yahoo.com/Business_and_Economy/Shopping_and_Services/Financial_Services/Credit_and_Finance/Credit_Services/Debt_Consolidation/
We do Debt Settlement and would not recommend you for our program since you are not late on your payments and have a great credit score.
You can get a free consultation via online chat and they can refere you to a provider based on your specific situation.
http://www.netdebt.com |
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Mya B
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You will ruin your credit score if you do debt consolidation.
Also, a good resource is...
http://debt.knowledged.info/credit_card.html
Best of luck to you. |
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clot t
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Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan.
Use unsecured loans: If the equity in your home is not adequate or you do not own a home, go for an unsecured personal loan. These loans are more difficult to get, but once you are approved, you will benefit from the lower rate of interest with this type of consolidation loan. |
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Andrea S
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When suffering from a large debt, consider your alternatives, negotiate with your creditors and know the next steps in consolidating your credit. There are various debt consolidation programs, which gives you a lot of options. You could either select a paid service or go for the many free services available. |
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