 Credit card question? |
| my husband has ok credit, and mine is pretty bad from when i was 18-20. were wanting to build my credit back up. if he applys for a credit card and puts me on as an authorized user, does it build my ... |
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 I want to know where i can get a creditcard with out a bank accout.and no security deposit? |
| i've signed up for all kinds of credit cards and cant get approved cause i have no checkin or savings account.i just nee to get back on my feet ... |
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 What can I do if I have been scammed? |
| I sent a western union from US to someone in hong kong and I think I have been scammed?... |
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 I have a total of $10,000 debt with like, 4 credit cards...can i consolidate? |
| I have ripped up all credit cards but i feel like im drowning in 10,000 over me. Is there anyway or anyone who will give me (i have not so great credit) a debt consolidation loan so that i only have ... |
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 Best Credit Card Company????? |
| I'm 20, and want to start building my credit with my first credit card.....which company would be my best bet???... |
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 Is debt automatically cleared after a certain amount of time? |
A friend advised that after 6 years debt is automatically cleared, is this true?
Additional Details
Thank you for the replies. I will be seeking advice from the CAB. My debt is a small ... |
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 I'm in my twenties and never had a credit card is this bad? |
| I have a check card(basically a debit card). Does the world revolve around credit scores? Does anybody know how to get a credit card if your an unemployed college student?... |
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 Debt Collection and a new Checking account? |
| About six years ago I experienced total financial devistation. An ex really did a number on me financially. I have a fair amount of outstanding debt and I haven't had a bank account since that ... |
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 I have refused to pay a bill for 7 yrs due to poor service.it is now a debt.is there a time limitation on debt |
| I disagreed with a well known large orginisation about it service & refused to pay a final bill until they explained their lack of action.They did not want to listen to my reasons for too long &... |
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 Credit repair? |
any experiences with credit repair, credit repair agencies,books, websites, etc....
i need to repair my ... |
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 Should i pay my over due credit cards first or save for a car? |
my overdue cards are 5 yrs old
Additional Details
even though im not legally obligated to pay it keeps appearing on my credit ... |
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 Being hassled by a credit company for a debt in my name? |
that was not run up by me, but by someone who was living there after i moved out!!! this THING is doing my head in they wont leave me alone, what should i do? or what would you do?
they even ... |
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 Is this a good credit score? |
| My credit rating is 710. Is this good?... |
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 Can i be in big trouble? |
| i have 4000 loan and credit card 2000.im leaving a country and wont have job for a while.will i be find and what happened?Im not planning to back.... |
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I LOVE U GERARD ARTHUR WAY | Do you guys think i'm badly in debt? |
I owe a $500 bill, $200 bill, a $70 bill and I still owe $11,000 on my car I've been making payments on all three of my bills. They started out alot higher. My credit score is between 500-600 is a result of my younger, less responsible days.
Additional Details
Monthly net income = $1350.00 give or take and I pay $300.00 for rent/car insurance to my parents and my car payment is like $345.00per month |
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island3girl
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no, it';s not terrible. now what you do is pay off the smallest one first, then take the money that you were paying that bill with and add it to the payment you make for the next larger amount and get that paid off. keep doing this and very quickly you will have paid off yoiur smaller bills and have more money available to work on that larger amount.
the trick to it is to make sure you take the amount that would go for the smaller payment and apply it to the next debt. don;t just think you have spare money - apply it to the next debt and you will be amazed at how quickly you get it all paid off
also get a copy of your credit report now and make sure you get any errors corrected. it takes some time to get the reports, write to each credit office, so start now so you can start to rebuild your credit
after you pay off your last debt - put the money in a savings account. ING offers about 4.35 interest and you can still have access to it in case you need it.
get dave ramsey book financial peace - it's easy to read and can help get you on track to financial peace |
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fizzygurrl1980
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Oh, jeez- I wish I could switch places with you for one day, credit-wise. You're actually in pretty good shape, compared to a lot of other Americans out there. Whatever you do, don't put those bills in consolidation, because that is roughly the equivalent of filing Chap. 13 bankruptcy, which will severely hurt your credit long-term. The best thing to do would be to pay the minimums only on the bigger bills and try to pay the largest amounts to the smallest bills first, because then you can knock those out of the way. As far as your credit score goes, credit is like a yo-yo- if you do the right things and keep making your payments on time, it will snap back up in no time at all. You're doing just fine! |
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zyberianwarrior
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thats nothing. Pay off your $70 asap then work on the other three. |
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kheserthorpe
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I'd be happy to swap debt with you ;) |
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JuJitsu_Fan
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That's nothing. The average American is carrying debt around $5,000 in credit card debt, plus whatever car payments that exist. |
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Paul
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you'll be alright |
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sideways
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I think you are okay w/a score like that. I think like 700+ is really good. |
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traffic816
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you are almost there, try not to build any more debt.
--------------------------------------...
http://www.bestcreditrates.net |
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GreenEyedSista
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That question cannot be answered unless we know how much you make and what your expenses are on a monthly basis. Whether you are badly in debt is determined by your debt to income ratio. Generally, if you pay out more than you earn, you are badly in debt. |
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harvieschreiber2003
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I don't know if you are "badly" in debt, but I would say that you are probably unecessarily in debt. Being in debt is being in bondage... the bible even says that a borrower is a slave to the lender!
Pay off the $500, $200 and $70 bills as soon as possible... work extra hours, get a second job, cut back on phone/cable/eating out. Pay more than the minimum payment!!!
As for the $11,000 you still owe on your car, what is the interest rate? See if you can get it refinanced for a lower rate, then see if you can speed up paying it off. It can be done.
Go to www.Crown.org for some great advice (and a free budget counselor) on money matters. |
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Frank Castle
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I suggest you to keep sending more checks until you are DEBT FREE.
After that, open a brokerage account at TD Ameritrade and send them half your salary. |
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ht_butterfly27
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Being badly in debt is a matter of opinion, do you feel like you are overwhelmed or in over your head? How's your income compared to this? It is never good to be in debt, but sometimes it is unavoidable because we all need cars, education, etc...
I would cut up your credit cards and cancel them if you have any. I would pay off the smaller debts as soon as you can. Then I would look at trading your car for something less expensive (maybe like $5000), if you are serious about getting out of debt. That is just some ideas.
As far as your credit score, don't worry about it unless you are looking at a major purchase like a house or a car. The best thing to do is to make your payments on time, check your credit rating and history once a year (for free), and make sure you don't have any outstanding debts. Good luck. |
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victorschool1
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TOO MUCH DEBT for you. Pay everything off, the only thing to ever go in debt for is real estate (and that only because it may appreciate). Pay the credit card bills first. Lower the car insurance if you can by getting less coverage (as your lender may allow of course). |
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chris
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I give out loan to students{student loan}Business Men and women who are into Business transaction at low interest rate of 3%, I give out long term loan for three to five years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $US the maximum I give is 5,000,000 both in pounds and $US and the minimum 2,000 pounds and US$ so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem and for your information if you should more loan like $10,000,000m I can give only if you are one of these cartigories:
Manager of a company
A private Holder
A broker in banks
A director in any office or company
A high investor of and compay
If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon.
Name In full____________ ____________
Occupation___ _______________ ______
Counry_____ _______________ _______
State____ _______________ _________
City___ _______________ ___________
Zip code:__ _______________________
Phone Number ____________________
Sex _______________ ______________
send these info it is important. Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now. email chris_per_lenders@yahoo.com
Thanks. |
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Justin
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you want to go for someone certified you can trust, get them to pay it for you then you pay them back at very low interest
see this
http://debt-consolidation.50webs.org |
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sharrona
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Depends on what your income is and if you are easily keeping up on the bills and all the extra's of life. |
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