 Garnishing wages? For a car repossession at 16? |
| When I was 16 (not knowing what credit was and how it could affect me), I signed a contract with a bank for a loan with a co-signer who also got a loan for a car. The car got repo'd and now at ... |
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 How much do I have to owe to go bankrupt? |
I make around $33,000 a year. I owe around $60,000, is this enough debt to go bankrupt?
Additional Details
Is Credit Solutions a non-profit organization?... |
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 Can someone help me with this please :)? |
i'm trying to make a sign for my store that if you purchase something over 1000 dollars then you get to finance it and i want something along the lines of:
"get this look for ... |
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 What is the physical difference between a credit card and a debit card? |
Is it true that you do not need the pin and the password to use the debit card.
please help me on this?... |
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 Using someone's credit card after they pass away? |
| My mom is a signer on my step dad's credit card. My step dad passed away and my mom is still using his card. She plans on using it and not paying, counting on the fact that it doesn't ... |
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 Credit Report? |
| I need to pay all the debt off of my credit report. Is there any certain way to go about it, other than to just go to the businesses and pay it?? And after its all paid off, how long will it take for ... |
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 If you never use your credit card, can you still be charged a fee? |
| I am a college student and would like to apply for a credit card to start building my own line of credit, to be honest i dont plan on using it at all, just for emergency type of thing. But if i do ... |
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 Credit reports? |
whats a website that i can get a free credit report right away and one that won't hurt my credit by checking, i want to try and get a new car tomorrow. HELP PLEASE!
Additional Details<... |
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 How can I raise my credit score 50-100 pts in 6 months? |
| I had became ill and thus, went through some financial hardships....so, please don't judge. my credit got messed up. I would like it to go up 50 to 100 pts in 6 months. is this possible? and if ... |
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 About to marry into some credit problems.? |
| I may be getting married to someone who has at least 13,000 dollars in credit card debt. His first finace was to blame (or so he says) but the point is, the debt is there. I feel like I'm going ... |
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 What credit card can I get with bad credit? Any luck??? |
Hi,
I have like extremly trashed credit from back when I was 18. I am 23 and basically didnt care when I turned 18 and now regreting it. I am VERY good with money and responsible. I ... |
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 Does it help your credit to pay your credit cards off and never use them again? |
| I managed to make some credit card debt trying to raise 2 teens by myself w/ no child support. They have moved out and now I am paying off the debt and have very small balances on the cards like $101... |
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| I have a summons to court for next week for capital one credit card debt that's indeed mine and if I go or don't go the judgment will be filed against me because it is indeed my debt and I ... |
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 Is it safe to add someone as an authorized user on a credit card? (piggybacking)? |
| My father did this for me years ago (still have the cards). I'd like him to add me to more of his accounts to raise my fico score. I don't want him to think I'm going to rip him off, I ... |
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Gamergrl | Does paying old debt help my FICO score? |
I have some old hospital bills from 2002 and 2004. If I go ahead and pay the debt collectors will this increase my score? Also, if i do pay off the debt, does the debt still show on my credit report?
Thanks!
Gamergrl |
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Angie
 |
If you have old hospital bills that are in collections, and they're still trying to contact you, then yes, you can pay off the bills, or at least work with them to set an arrangement up. If it's been a few years and no one's contacted you, but you know you have the bills, it's already affected your credit. Your right to credit, what you can do, is pull your credit report. You are able to do this once a year, from a choice of one of the three credit bureaus. Experian, Trans union, or Equifax. Pull your credit (which chances are will be recent from a couple mths ago) because it does take a while for everything you do to update. And see what you do have on there that negatively impacts your credit, and see what you can do from there. All you have to do is sign up, and you should have it in minutes.
http://www.annualusacreditreport.com/
Remember - FICO scores is not the ONLY thing creditors look at when approving you, depending on what you're trying to obtain. They look at what KIND of credit you've had (cards, revolving like car payments with a bank, how long you've had history, etc.) to determine how you stand. |
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meandnadine
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You can request that , after you pay them that they report it to the credit agency as "paid in full" or something similar.
Get this in writing from them before you pay it.
Once they show paid, your score will eventually come up. |
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G Detroit
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Yes you should pay old bills, It will increase your credit score initially and you will slowly watch your FICO rise as time passes. The debt will show on your credit score for seven years but it shows as paid which is obviously better than open. The only thing that truly heals credit is time. So keep your credit spotless and in a few years it will repair itself. |
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beauty s
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Yes it does |
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zioncanyon
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pay all your debt...old and new. marks stay on your creditreport for seven years....pay your bills and every 4 months get one of your free credit reports and monitor everything |
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John B
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If you pay them make sure you have an aggrement in advance for them to send a notice to the credit bureaus that the debt has been satisfied. Sometimes I have seen a score go down because an old debt now becomes a current debt issue. Hospital bills from 2002 and 2004 should not be majorly affecting your score. High current debt to available credit slow pays and other debt issues within the last year have the greatest impacts. Although it is always a good thing to pay one's debts the crazy credit system sometimes penalizes you for paying your bills. |
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SCH
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Check this web site out it has an article how to negotiate your improved credit score along with netogiating the payment with the creditor!
http://www.creditinfocenter.com/rebuild/ |
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