 What is the best credit card offer for women with ok but not perfect credit after divorce or other life change |
| If you used to have perfect credit but have made some late payments following a move, job loss, deaths in family or health care crisis, erroneous charges or other fraud on accounts, or other life-... |
|
 Is there a legit company out there than can repair credit? |
| I have heard about credit repair companies that can get negatives off your credit report but have heard that there are alot of frauds out there too. So has anyone actually tried one that works?... |
|
 I need a list of lenders that will loan a home mortgage to someone with a credit score between 545 and 550? |
| I make 48k per year. Circumstances that have led to bad credit rating are a 60 day late car payment that occurred two months ago. The car has since been paid off. Credit cards are close to the max ... |
|
 is my chances of being approve for a wells fargo credit card better if i apply with my husband? |
my mortgage is with wells fargo, my credit score is 730 his is around 720
we both r on the home loan with wells fargo
we both work he makes more money then me.... |
|
 how to sue a credit agency? |
| i want to sue experian for putting a judgement on my report that is not me. this cost me a 1/2 point on my ... |
|
 What are the pros and cons of debt consolidation? |
| I have 10grand in credit card debt, plus about 25grand in car loan debt. I have heard that debt consolidation is actually worse for your credit than bankruptcy, is this true?... |
|
 I have a Visa Gift Card and...? |
| I have $100 on it. It is activated but everything I try to buy that's under the amount says its declined except iTunes. So I bought a CD for $30 but it came back saying it was declined what ... |
|
 Need advice regarding wedding budget please? |
I am so scared about wedding budget...please help me!?
I have 8 more months until the wedding...Feb 2011. This is the expenses we have left.
Expenses:
DJ 530
Catering 1... |
|
 Is there any online company which provide prepaid credit card? |
| Is there any online company which provide prepaid credit card?... |
|
 While travel which is better credit card or debit card? |
| While travel which is better credit card or debit card?... |
|
 Can you receive a new social security number? |
| My sister had her Identity stolen from her when she was 13 years old. and now she is unable to get the funds she needs to go to college. She is now 23 almost 24 years old. She has put a flag on her ... |
|
 Which job is better ? |
Bill collector or a security guard at shopping center?
And why???... |
|
 Vanilla MasterCard not working? |
Hey guys, I tried ordering online from Drugstore.com with my prepaid mastercard and it tells me
" Unfortunately, we were either unable to verify the payment data provided below with the ... |
|
 First Credit Card??? College Student in Need? |
| im turning 18 tomorrow and im a future college student. My parents arent going to help me in college (meaning i'll have loans and have to buy stuff i need on my own) so what's the best way ... |
|
| Information about Credit Cards.. APR.. and interest rates? |
| So i just opened up a victoria secret credit card today... my first credit card to date. If i pay my bill on time I won't have to pay any interest rates. As to APR, how does that work? Lets ... |
|
 Is Modest Needs Foundation a Scam? |
Additional Details
I was looking through the BBB which was a breakdown of the financials and they do not add up.. Also, someone wrote something on Ripp Off Report.... |
|
|  |
love my boys | Does enrolling in a hardship program for my credit card effect my credit report? |
hi I have a credit card that had a promo intrest and now it has expired the payment has almost doubled and its getting harder for me to pay it they are offering a hardship program that will pay it off in 5 year and they will lower the intrest rate will this effect my credit report also they have recently closed this account on me.
Additional Details
just for info I am not using any kind of credit counseling the bank is offering me to lower the rate and put me on a hardship program since I did tell them I recently had a death in the family and had used all money to help pay for this funeral they just didnt make it clear if it will effect my credit report |
 |
 
jezbnme
 |
yes it is still considered late pay they are only giving you the opportunity to settle your debt. paying it will show good faith even if late. you won't get a charge off by doing it this way. which would give you a worse rating. |
|
AmoreRose
|
yes
no credit use in future, ok? |
|
carolinagal75
 |
yes...this will affect your credit. |
|
boohoohoo
|
I would say you need to ask the credit card company itself to get a full idea of what will happen. That said, I would be very surprised if it did not have some sort of effect on your credit rating. |
|
Smarty Pants
|
Yes it will effect your cerdit score. A lot of people don't know it, but when you seek any type of credit counciling it is reported on your report and stays there for 7 years, just like any debt or credit that is reported. When a creditor sees that they basicaly see someone who couldn't manage their credit on their own & had to seek professional help. I would suggest trying to pay it off on your own if that is possible, even send in a little more than the standard payment. Anything over your standard payment will go toward the principal instead of the intrest and will pay it off quicker. If you do have to turn to a credit counsilor, find a free one. The ones that charge you any kind of fee at all are not legitimate. |
|
giry Lover
 |
please send me credit card valid
name or account |
|
dolly d
|
enrolling in a hardship program,no need when you can forward HARDSHIP letters yourself--some progrms are crap
b-carefull |
|
aresee
|
I know it sounds a good idea, and in the short term will undoubtedly help you out, but it definitely does affect your credit status, especially as the account has already been closed and that fact is already on your credit report. |
|
greg w
|
It will only affect it as a positive. They'll show that you're paying it off, and steady payments help.
If you want to start repairing your credit start here:
http://www.ftc.gov/bcp/conline/pubs/credit/repair.shtm
It's a government site, it tells a good amount about credit repair and the warning signs of bad repair companies.
More importantly is the dispute form at the bottom. Once you get all your credit in a pile you should get your free credit report (1 a year) Then send in those dispute forms for everything on there that's been paid or taken care of or that you do dispute.
Most of those will disappear after that because it forces the debtors to take action, and if they've been taken care of they won't so it'll go away.
Good luck with coming back, you can do it, I know. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 22 minutes(s) ago
| | | |
6 | 24 minutes(s) ago
| | | |
9 | 37 minutes(s) ago
| | | |
9 | 50 minutes(s) ago
| | | |
9 | 1 hour(s) ago
| | | |
9 | 6 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
8 | 2 day(s) ago
| | | |
9 | 2 week(s) ago
| | | |
8 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
