 I have bad credit and need a prepaid credit card? |
| I would like to get a credit card but have bad credit. Does anyone know of any cards that I can get even if it is secured and it gives some sort of rewards, like cash back or anything like that? If ... |
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 Bad credit..can i change my name and open a new bank account to obtain good credit? |
| Ive heard of stories where people have changed there name...updated driving license and opened a new bank account....in order to obtain a new credit file? stories ive heard of where saying youve ... |
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 My friend has, unbeknowingly to me, acquired a huge amount of credit card debt. He also has an expensive? |
| car on finance, plus other unknown debts. I know of at least forty thousand pounds of debt. His partner is debt free and also expecting a baby in two weeks, she had no knowledge of the debt until ... |
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 What is the best option for credit card debt?? |
| What do you think is the best way to clear up Credit Card dept??? Paying each debt individually with minimum payment every month?? Which is all I can afford. Filing bankruptcy??? Settling out??? S... |
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 I just turned 19, and my credit score is 711. is that good? |
i have a debit card with chase, and a credit card. And i also have an installment plan with Ballys.
Additional Details
i also work @ nordstrom, so that qualifys me for an american ... |
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 Hello, how long does a debt remain collectable? |
| Is it true that a debt ceases to become collectable after a certain number of years if it is never acknowledged(in the UK)? And if so, how many years? The debt concerned was credit card/overdraft ... |
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 Child payment??? |
| Does any body know hove much a single, unemployed mother would get paid weekly for her child aged 14?... |
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 Who can I complain too abut B.T? |
| I recently had my line connected to bt an engineer came round and activated the line I was then told a bill for this charge would be sent out. about a week and a half later the bill had still not ... |
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 I just paid off my credit cards...now what? |
| I recently paid off all of my credit cards and now I'm wondering if I should close the accounts, since I never plan on using them again, or does it look better on my credit report to have a lot ... |
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 Is this an option when buying a new car? |
| I would like to buy a new (or at least new to me) car about this time next year. My credit score is not very good, but I have been working very hard to get all of my debts paid off. I will be ... |
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 For how long does a personal bankruptcy (Chapter 7) stay on your credit report? |
| I think it's either 7 or 10 years. Which is it? And after that time how do you get it removed?... |
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| How can I fix my credit report? |
| they somehow put my brother credit cards on my line. How do I get it fixed?? call who and etc ... |
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 Which is better to receive as a payment, a check or a money order? |
| which kind of payment to receive is better? check or money order? any advice or explanations? thanks...... |
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 How do I begin credit? |
| I have a very low credit score - that's what I've been told. I haven't been approved for any credit card because of this. How can I begin credit if I cannot even get 1 credit card??? ... |
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 Who do you sue in this situation? Who's to blame? |
| You apply for a credit card and you get declined. You call and find out its because u have old medical bills on your credit report BUT u don't remember one of these visits to the doctor. You ... |
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 If i was late on my rent a few times.......? |
| would that adversely effect my credit score???... |
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ravensgirl1 | Does anyone know of reputable consolidation company for credit card debt? |
I have looked online and found some names but don't know who is legit and who is going to rip me off. Anyone who has used a particular company that has been honest and helpful and has a good reputation or simply one that has worked for you or anyone else that you know would be really appreciated. I just want to do this asap so I can start making one payment instead of multiple payments and also avoid the credit card companies reporting me to the credit bureau. Thanks I would appreciate any help, so I can stop looking at names without knowing who will solve my problem as opposed to who may cause them. Thanks!! |
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Frank
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I would first try a non profit consumer credit counseling company...It is a much better option and it does not screw up your credit as badly... |
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sophieb
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Consumer Credit Counseling is the best, however if you got into the debt you should be "learning" how to get out of it and how to avoid it...not just have someone else take care of it for you. Before you know it it will happen to you again if you don't learn now. No matter who you go thru though whether it be CCC or other, "that" will be noted on your credit report as well and will indicate that you can't control your finances. Which would be a bad thing if your career has anything to do with handling money or finances for someone else.
Take a look at this website: daveramsey.com
and get a second or third job and pay off that debt.
There is no way to avoid having your creditors put those things on your credit report unless you keep your credit in good shape. And, once anyithing is marked on the credit report it's on there it stays for 7 years, but every time you inquire about it the 7 year time re-starts. So when you pay those bills send the credit reporting agencies a copy of your statement which shows you've paid it.. |
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mp3specz
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There are 2 web sites:
http://BestCreditRepairOffers.blogspot.com/
and
http://BestDebtFreeSolutions.blogspot.com/
Good luck! |
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jai_raq_emporium
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with a little research, and depending on the amount of debt, you can resolve your-self. learn how to get discounts from the creditor in question... |
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heybulldog
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If your credit is bad you wont be able to get a consolidation loan. Not one that has a reasonable interest rate. If you have good credit you can go to your local bank and get a loan for the amount you owe.
Your best bet is to just write down who you owe and pay them off smallest to largest.
If you are talking about debt settlement. what these companies do is not pay your creditors for months and then try to settle your debt for less. By then your credit is trash and you have payed hundreds if not a couple of thousand dollars in fees that could have went on your debt.
Just remember this. If you let someone else handle this for you and they dont pay your creditors then you are still responsible for the debt not the company that you hire. They will sue you not the company thats taking care of it.
And, the kicker is. You wont know that they are getting ready to sue you till you get a summons to court because you are not the one talking to them. |
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AMY K
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There is a great place to go with this. I was in a very similar situation.
This is getting help from real people without the use of banks or credit card companies. Good Luck!
http://www.prosper.com/join/lzc5wh |
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SUSAN P
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It's been quite a few years, but my ex-husband and I used a company called Credit Advisors. They saved us. You might see if they are still in business. |
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*s*t*a*r* *d*u*s*t*
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Listen to "heybulldog" and "Breezy365". They each offered some very realistic advice. Years ago, when I got myself in a pickle before I was married, I used CCC-Consumer Credit Counseling. They are a non-profit. You will not have to pay fees to them and they negotiate your debts with your creditors for you. This is a good organization. MANY others will just take advantage of you and get you into more trouble--you have to be very careful of some of those so-called "credit repair" advisors or (whatever they are).
If you can, try to negotiate with your creditors on your own. Sometimes they will lower your interest rate just if you ask. They can lower your payments sometimes too.
Wells Fargo also worked for us later on. We refinanced our newer (paid off) car to get a loan and we paid off our creditors. We are paying back a higher interst loan every month, but we just have the one payment and an END to our debt problem that is realistic. |
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Adrienne L
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hi,why don't you get a loan from the bank. Have them pay it off and you just pay the bank. its much easier that way. I once used a debt consolidation co but forgot the name.going to a debt consolidation place may not be benefitial. honestly. |
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Breezy365
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In the state where I live we have a dept. of the state called the "Family service agency" and in that is "Consumer credit counseling services" which is a non-profit organization. I was looking for their number in the phone book and when I called, I reached a Co. in New York and they wanted lots of money so I knew that wasn't the one. If you can find one that is non-profit, that is the only way to go. My friends used one called "Genus" or something like that and they are legit too. |
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mommy to be of 3
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wells fargo if you own a home- they can do lots of unsecured loans at their subprime offices, I got 14 percent on a home equity line but they offered me a car one and an unsecured one as well and I am using it to pay everything off and then I will pay it off when we sell in a few mo or tax time which ever |
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Jason
 |
I would check out Ideal Debt Solutions, at:
http://www.idealhelpnow.com
These people helped me improve my score from a 580 to nearly 700. Check them out, I would highly recommend their service. |
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