 I'm being sued by an old credit card---! Help? Advice? |
Anyone been through this?
What can I do, and can they get any money from me?
It's an "unsecured" card, not tied to a bank account.
Should I declare bankruptcy---or is ... |
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 Will my bad credit affect my boyfriends good credit if we get married? |
| I have HORRIBLE credit, and my boyfriend has near perfect credit. He owns our home, and vehicle, has a few credit cards, as well as a decent amount in savings. And I'm wondering if we get ... |
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 I have very bad credit but truly need a small loan of about 5,000...? |
| Is there anyone who can lead me to the right lender and please no links to Prosper.com!!!I tried and they were of no assistance to me because of my credit. I hate payday loans and they really have me ... |
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 Harrasment? |
| Is there any point that a collection agency can go to that is considered harrassment to the point of being illegal? Such as calling 20x's a day? Saying they're sending a statement and never ... |
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 What info is needed to run a credit check? |
S.S. #, address,... ?
Thanks : )
Additional Details
allansc20... : That's not funny!
Thanks everyone.... the reason I ask is because I think a woman who made ... |
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 Should I close my credit card, once I paid it off? |
| should I close my credit card, once I paid it off, say I pay off my no annual fee credit card should I close it out or leave it active and just not use it? I heard that if you close a credit card ... |
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 Hi im ebay seller and recieve my payment via paypal.? |
| hi, im a ebay seller and recieve my payment via paypal. does the payment go automatically to my bank account? coz I just check my online bank statement, and it did not show any pay-in. I've ... |
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 How can i get a credit card with bad credit? |
| i hear how ppl with bad credit still get approved for all these credit cards. How and which cards are they??? what cards have high limits also for bad credit without paying for a secured card or and ... |
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 My mother?? |
| when you apply for different lines of credit they ask for your mother's maiden name??... |
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ScreenQueen | Does anyone have a recommendation for a good credit consolidation firm? Or credit counseling company? |
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Dan W
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Try this one - http://buildcredit.ifastnet.com - I monitor my credit score here during last 3 years. And also cleaned off some bad items from my credit report. You can apply for free initial plan and get your scores and reports for free. |
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big d
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a lot of times the credit cards you are dealing with have great products for consolidations. the credit card company, believe it or not, is always willing to help. they can help to reduce minimum payments, consolidate all of your bills including home and car. it really helps afterwards as well cause they will certainly help with getting you back on track with your credit when you show good ontime payments. |
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Bill C
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Most are ripoffs. They charge very high upfront fees, usually thousands of dollars, and then do very little to negotiate your debt, and you wind up getting sued. Also, most credit card companies will not negotiate with such companies, they will only negotiate with attorneys.
Consult with a consumer credit attorney. You can get a referral from your local county bar association. |
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Anjell
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Unless you have mega debt .... tens of thousands...dont do it....fix your credit and debt yourself. Get a job, another job, a part time job....whatever to get yourself in order and just do it yourself !
1. Order your credit reports from the 3 bureaus
www.equifax.com
www.experian.com
www.transunion.com
If you're ordering for the first time, get your score (for a fee) from Equifax as their scoring matters most.
2. Make copies of your report and put the originals in a binder. On the photocopied reports use a highlighter and check for any incorrect, outdate, false, etc...info
3. Download a dispute letter(s) from the credit bureaus website and list anything that is wrong. Mail them to their office(s). They have 30 days to reply.
4. If they will not remove something that is not yours or too old (> 7 years) as them for a debt validation. This may take an additional 30 days.
5. Once the 'baddies' come off, take care not to let any of your other accounts fall into that predicament.
6. If you haven't already make sure your existing accounts are current and paid on time ALWAYS.
7. Get a secured credit card with www.capitalone.com or www.mastercard.com for like $500-1000 or more if you can and use it sparingly. Charge like $50 on the card each month and pay it in FULL and on TIME. Make sure you do this for a minimum of 6 months so that you estabish a positive repayment history.
8. Problem with just letting them (collections) 'fall off' is that they may never. You may get sued before that...that's where you suddenly get a summons to appear in court and a judgment for collection against you.
For collection items...pay them but get a 'pay for delete' from the collection agency in WRITING...they'll delete it after you pay and it will help your credit score |
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Weli O
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Christian Debt programs offer Christian Debt Consolidation, Christian Debt Counseling and Christian Debt Settlement. They are excellent alternative to the normal debt reduction programs. Fees charged are lower and the environment is more informal.
Christian Debt Consolidation is an excellent solution if you want to add religious connotations to your debt elimination program. But check out their background before entering any type of contract with them.
http://www.debt-answered.com/category/Christian-Debt-Consolidation.html |
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Ervin
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The one I know and can recommend is http://ezconsolidation.com which offers debt counseling and consolidation service. |
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stan c
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Just look up Customer credit counseling service in your area |
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Ms. Angel..
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In Charge PO Box 863252; Orlando Fl 32866-3252; www.incharge.org or call 1-888-734-6229.
A monthly fee is charged, and the money you send them is immediately send to your debt.
Be ware of the credit cons. that hold the money and don't send it to cc until all the money is full paid.
Incharge is wonder and I promise you won't have any issues with them, or course like all debt cons you will have to provide your household income, bills, mortgage or rent etc.
Good luck. |
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FRANK
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www.cccs.org is a non profit group that can help. |
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Sand Bag
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Try Lexington Law. They tend to be pretty good. http://www.badcreditfixup.com/credit-report-rights.php |
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