 HELP! I just saw my credit report and I'm not happy!? |
My rating is barely above 600! Does anyone know how I can boost my numbers, I would even be happy with 675+
Thanks!!
Additional Details
U guys ALL rule! I haven't touched ... |
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 Will Hotels accept a Prepaid Credit card such as the "wired plastic prepaid VISA card"? |
| I just got a prepaid credit card to help me establish my credit. Its seems like a better option to just "load" how much money you want on your card, but has anyone had any problems with it ... |
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 Credit History? |
How quickley can you improve your credit rating if it is not really that bad?
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I missed 4 payments about a year ... |
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 I co-signed a loan several years ago & the signer never paid. do i get stuck with paying it? |
| the collection agency is threatening wage garnishment. how can i get the original signer to pay? i can't afford to. the signer claims he can't pay it back either.... |
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 Credit Card Debt? |
| I have credit card debt in excess of $4000. Do the ads you see on TV for relieving one of credid card debt work? Or am I better suited to just pay it off?... |
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| I need another credit card fast, what can I do? |
I have 3 credit cards with $500 credit each. I want one credit card that can hold $1500 instead. what can I do? Are there offers or promotions anywhere that guarantee you pre-approval?
T... |
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 I see alot of people in debt including my parents... How do i not be in debt when I grow up? |
| Im 14, and i need to know how not to get my self in debt. or is it even possible to not be in debt. could u help me.... |
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 Is it possible to reverse the process when a creditor/company forwards an account to a collections agency? |
...meaning that the collections agency would give the account back to the creditor/company that one has an account with.
If so, how?
If not, how can one protect his/her credit ... |
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 Is balance transfer to a credit card a good idea? |
| While I was a student I've accumulated about $6,000 of credit card debt. (mostly to fill in the budget gaps while going to school). And currently paying the balance down little by little. But ... |
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 How could a place in Italy get my Debit card info ?? |
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lady_reed_03 | Debt settlement or consolidation or bankruptcy, which is best considering? |
my credit score is currently around 650 but I am over stretched and just stating to fall behind on bills.
Additional Details
Why do creditors hate to see debt settlement on your credit report (other than the obvious, that you did not pay as agreed) vs. bankruptcy? |
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supercreditguru
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Short answer: Probably debt settlement, but it does not work in every case as certain creditors are highly likely to sue. I wrote an two chapters about that in my e-book, including HOW TO DO YOUR OWN DEBT SETTLEMENT and how to determine which debt management service is right for you. Visit www.LearnAboutCredit.com |
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robert w
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NEITHER .
Both will stay with you like a one night stand.
Visit DaveRamsey.com to learn what you really need to know before messing your self up.
Then turn the TV off , get a 2nd and 3rd job . Sell everthing except the kids and maybe the spouse. Pay off the bills , never go back into dumb debt. Read ' The Millionaire Next Door' to learn what the banks do not want you to learn - how to win.
Remember with debt = only the banks win. |
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Gillian G
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It depends on your circumstances, but if you have a choice, then 1) debt consolidation; 2) debt settlement; 3) bankruptcy.
You need to do your own research and get some good, solid advice. This website has a lot of very useful information to help you make your decision.
Good luck! |
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Bulldog
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Do not dispair! Since you need money urgently to pay a few bills, here is the perfect solution:
http://goaddr.com/8r6
You should start paying back at a much later date. |
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wynterwood
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Future creditors hate to see debt settlements on your credit history. Avoid it at all cost. You can negotiate settlements yourself with each individual creditor.
Bankruptcy's not the easy way out, and it ruins your credit for ten years.
Consolidation loans at a lower interest rate may be the way to go. Your credit score sounds sufficient to qualify for one, but you can't wait and get way behind on your bills and expect them to take a chance on you. Do it now. But DON'T use it as a way to get into more credit trouble by taking out more credit cards. If the consolidation means you are spending less on your bills and you have a little extra at the end of the month, pay down the consolidation loan more with the extra.
Again, if you're turned down for the consolidation, negotiate settlements with each creditor to take lower payments for a while if you agree to close out the account. |
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Wonder
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Since the bankruptcy laws changed last year, hardly anybody qualifies. You best bet is to consolidate the loans and get them paid off. If you go with debt settlement, your credit standing will stay in the toilet for years and years.
-MM |
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moussesdad
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Find a credible Consumer Credit Counseling service. They will consolidate your debt and really, really lower your monthly payments. Plus credit companies will see you are being proactive about your credit situation and it will benefit you more in the future. DO NOT WAIT. I did it and it saved me. I went from a 630 credit score 4 years ago to over an 780 now. |
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koifishlady
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i'd say consolidation first, then bankruptcy, then debt settlement. |
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Justin
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Do not go for bankrupt, that's a mistake your never going to shake that off!!!
you want a low interest loan to pay off what you owe, see this
http://debt-consolidation.50webs.org |
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