 Shall I pull out my credit score on a regular basis? |
| I am having a fair credit score. I need some credit asap and so am trying to improve my score. So shall I need to pull out my credit score on a regular basis? Say once in every 1 month, 3 months, 6 ... |
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 What should I try to pay off 1st? |
| I have a repo on my credit which I owe 6000,I have 4 credit cards 1. is 345, 800, 1004, and 800. Plus I owe a gym 600 Should I try and put all my money towards the repo or should i pay off the same ... |
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 Should my fiance file for bankruptcy? |
| I have really good credit. My fiance made some really bad decisions in the past and has terrible credit. (credit cards, overdrawn bank account car loan .....) We are buying a home . We are planning ... |
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 What would u do if u found a $1000 on a street? |
look for owner?
keep it?
spend it on what? urslef? someone homeless?... |
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 Help...PLZ!!!? |
| My dad bought me a Jacket last week from Wal-Mart store by ( not sure Cedit/Dept Card), and i found it too big, I can't wear it and now my dad is in another country for a business. If i return ... |
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 OMG I can't pay this.? |
| I just got my Visa bill and it is over 800.00, I bought some stuff recently and it bumped up my minimum monthy payment wayyyyy toooo much, Oh my god-I cannot pay them 800 a month. Do I call them? W... |
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 Credit card question? |
| Ok,i bought my game console with my credit card.The thing is,that console is now doesn't work as it should and i'm thinking of getting a replacement from the shop where i bought it...my ... |
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 I have 2g which debts should I pay off first? |
| Okay, I'm going to get my financial aid in a few weeks. (2 grand) I'm planning on using all that money to pay off some of my debts, but I'm not sure which is a smarter thing to do. S... |
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 I'm being sued by a creditor for close to $4000. What should I do??? HELP!!!!? |
| I work but, don't have that much money to pay it off. Can I do a payment plan or something? I don't have any assets except for my car and I've heard of creditors being able to seize ... |
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 Can you cash a check that's not made out to you? |
| i'm doing a fundraiser by selling cookies for my school. I realized after i got the check that i wasn't aloud to receive checks. so i need to know if i can cash this check which is made out ... |
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| Having NO credit is just as bad as having BAD credit? |
| I currently have no credit and can never get approved for anything. There are somethings I would like to do, but first i need to build up my credit but i can never get a chance b/c im always denied. W... |
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 Anyone know of any credit cards you can apply for with little or bad credit. Please none from HSBC bank.? |
| I'm looking for a credit card I can get. I guess either my credit is bad or I don't really have much credit. I already tried for ones from HSBC Nevada bank. Any others I can try for. I ... |
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 Credit card debt advice please? |
| I am in $4000 credit card debt. I am planning a budget, but keep on changing my mind about what to do. Should I pay minimum payment On the cards and save as well so that if I end up out of a job ... |
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 Sued by debt collector? |
| I owe $3300 from a mastercard that has been bought out by a collection agency. They said if I don't pay a reduced amount of $2500 by next week they will put a freeze on the account and that ... |
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 Bank of america raised my interest to 32% what can I do? |
| options when a credit card company raises rate that is very ... |
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 If my roommate moved and debt collectors keep calling for him, can they keep calling after I say he's moved? |
| I tell the collectors that he doesn't live here anymore, and they tell me that they will call me tomorrow. This has been going on for over a week. Is there any legal action I can take? These ... |
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hollyberries | Debt consolidation question? |
I have been searching the net a bit, but not sure what i'm looking for. I'm looking for a way to consolidate my debt. I have never done this before, and not sure what place would be good. Or really where to start. Do i have to do things from my area, or can you do it from places in other states? Just looking for someone that has some information on this, or has done this before. I thank you so much for your time! :)
Additional Details
Speaking of the bad credit, mine is not bad, but pretty low, and need ways to start getting it back up. My fiance, and I would like to buy a house in the future. |
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Rainey
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I was told consolidating debt doesn't always look so good. when I was finally financially able to fix my credit I got a free credit report (everyone can get one free one a year) and I literally went down the list and started paying what I could. I'm now almost debt free and didn't have to consolidate anything? unlike you my credit WAS BAD. I'd try this method first. It's more hands on and you know where your money is going PLUS when I spoke to the collection agencies a lot of knocked off a lot of it, some up to 50% and then they removed it from my credit report completely. It's just a thought!
Good Luck with purchasing your new home! |
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Shawn J
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Hey Guys
Debt is a horrible thing, we all try not to get into it but sometimes lifes circumstances and choices wind us up in a pile of debt. Personally, there is a wealth of knowledge available, and with a little thinking and planning, you can systematically get rid of all your debt. I used to be in big debt, a few hundred thousand, however from about the past year or so I have been living debt free. Im not promoting anything here, I just want everyone to know that its possible. I write about my experiences in regards to Debt Consolidation, Car Loans, Credit Cards, Student Loans on my blog listed below so stop by if you get a chance and leave some comments.
http://credit-and-loans.blogspot.com/ |
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Best m
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There are many compnies offering Debt Relief.
Easy way to find out compny is good or not is just go to there
websites and look for some costmer reviews.
Here are some good compnies offering such service. You will find the best one for you,
http://ncane.com/b7
Best of luck |
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c_l_m_21
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DO NOT DO IT! DO NOT DO IT! DO NOT DO IT! You can get out of debt without going to those crooks!
You do not need ANY credit to buy a house, A FICO score isn't necessary. You can use a mortgage lender that will under write it like Church hill mortgage. Tell'em dave Ramsey sent ya.
How are you because I'm better than I deserve! |
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SolarWind
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Don't do the services that advertise getting you a lower payment (negotiating with your lenders) this will destroy your credit.
Home equity line of credit, refi your home, or a credit card with a long term rate that doesn't jump up after a term. If you go with a card, NEVER miss a payment and put nothing else on it till it's paid off. |
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brahms_blue_rose
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The one thing you DO NOT want to do is go to any "debt consoledation service" that will charge you a "fee" for their services! Call your local City Hall or Library and ask them if they have any seminars or group meetings etc. that teach how to assist yourself to get out of debt. Even some community newspapers will have advertisements for this "FREE" service within your community. Good luck! |
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Mark S
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You are who I need to sit down with!!
Use debt stacking at this point! First, write the names of your creditors in the far left column, next- write the interest rate of every bill owed to the right, write down the balence owed to right of this, write down, minimum payment to right of interest, finally, write down actual payment to right of minimum payment.
Starting at the highest payment, take ALL extra payments, to second highest and below, and add to first. Make minimum payments to second and below. After first is paid, take total amount and add to the second minimum payment, until all are paid in full. |
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helper
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If you have any collateral, something that is paid for in its entirety, such as a car, boat etc. Then your banking institution should be able to give you a loan. Credit counseling should be used only as a last resort as it does impair your credit score. |
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Rick B
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Why do you want to consolidate it? That just moves it around and frees up your cards so you can go further in debt. Instead, pay them off!
Make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.
You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership. If you
Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.
Go to the library and get "The Total Money Makeover". Read it and follow it carefully.
Go check out Dave's website as well.
www.daveramsey.com |
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gonzo
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Well little by little you have to get out of this mess. Sure you can consolidate your loans but this too is another loan with higher interest. Since you are pregnant maybe your fiance may find a second job to help. It will be wiser to rent until you can get a mortgage with lower interest. |
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Jenifer
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Hi,
I used "Credit Solution" to settle my debt.They managed to reduce my debt 58%.It's legitimate.I came accross this company on NBC News Special Edition.Check it out here:
http://creditsolution.easyurl.net |
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motherofthree
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I would call your local bank. If you own a home and have equity a home equity loan is a good option. You will get a lower interest rate and the interest may be tax deductible. |
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Johnathan Spencer
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Debt consolidation is still going to be better than defaulting on your loans. Work with a free provider like http://www.nuggz.org/go.php?go=dg |
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Pitty 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.
http://debt-trap.com/category/Debt-Consolidation-Basics.html |
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