 Im 19 and dont have credit yet and cant get aynone to cosign or dont have any money saved up and i need a loan |
for a vehicle ive tried banks and they dont wanna help. any advice?
Additional Details
for a vehicle, the truck i have now is falling apart and i have to drive an hour to get to my ... |
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 Copy credit card (front and back)? |
when I try to buy online he asked for fax a copy of my credit card (front and back) is this legal??? and he say If you cannot do this, then I will have to cancel your order.
T... |
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 IS it possible to buy a house? |
TO BUY A HOUSE WITH BAD CREDIT? I WANT TO BUY A HOUSE IM SOOO TIRED OF RENT ING BUT I HAVE BAD CREDIT. IS THERE ANY COMPANY THAT WILL HELP ME?
dont get me wrong im not a bad person i have a job ... |
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 Does disputing an unauthorized charge in your credit card affect your credit score? |
I heard from someone that disputing a credit card charge affect one's credit score score. Is this true?
Can you provide a website where I can get more information about this?... |
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 ****I just received my first credit card....now what? Two ?'s.****? |
How long do i wait until enough credit is established so i can lease a new or used car???? I havent used my card....i will this weekend.
Any tips? Links? Your experiences very helpful too.... |
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 Credit Card Trouble? |
| Hi, about 6 months ago I applied for my first credit card and got approved. I made payments on time and never went over the limit. After about 3 months they increased my credit limit. But all of a ... |
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 Will we lose our home? |
I have just found out my partner owes thousands in business loans,defaults and debts. They are all threatening action.
He is a sole trader and we have a joint mortgage on the house. We have ... |
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 Why Would a Cashier's Check Bounce? |
| I used $50.00 from my account to purchase a cashier's check and sent it to somone for a costume I purchased. I actually had $50.00 taken from my account and sent the check. A couple months later,... |
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 Please help. credit card debt: should i borrow or pay it off little by little.? |
| I often pay off my credit card bill every month. I've been struggling for the past 2 months b/c my income is low rt now since i don't work that many hours (student). I take care of my mom ... |
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 Debt collector giving me problems? |
| I had a credit card that i was making monthly payments on for a few years. I hit a rough patch and fell behind on the payments but continued to pay something. I exceeded my credit limit for a few ... |
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 Do you need a checking account in order to get a credit card? |
Additional Details
thanks to all those people who gave me good advice i did go open a checking account and i'm getting 2 credit cards coming in 4-7 days thankyou very ... |
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 I owe the bank about $9,000 for a repo. Do I need to worry about the bank garnishing my wages? |
| My car was repossessed and sold in Aug 2007. The bank has been calling me nonstop since then. Just recently they have left a voicemail that I need to settle the debt or they will pursue other ... |
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 Home loan?? |
| my house is worth about $550k.. My credit score is 559 right now, due to my excessive credit card and student loan debt.. nothing has ever been late, it's just that i have excessive amounts of ... |
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 Collection Agency wantin gbank information? |
| I have a past due account with Capital One for $1600. I have been trying to work with them to get it paid and offered a settlemetn however they will not accept a settlement offer unless I give them ... |
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 Can i be garnished for a 6 year old debt? |
| ford motor co, did get a judgement and now teir attorney wants a ... |
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 No money to pay anything now!!! please help!!!? |
| If i don't pay my car payments, what will happen??? and i will not pay my credit also, cuz i don't have any extra money to pay my car payments, and my credit now, i only can afford my house,... |
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terrell n | Help!!!! my perfect credit is at risk? |
I have a $2500 collecton acount that's schedule to hit Equifax bureau at the end of this month. i recently check my credit score and it's currently 729 with Equifax. I can't afford to pay for the collection since i'm no longer working a full-time job. the collection agency doesn't want to work with me. they keep threating me that they're going to sue me and damage my credit. what should i do? how can i advoid my score from being damaged? does this mean i will have bad credit, once collection account hit my credit? i do want to pay this item. I don't have the money as of now. is their anyone or anything out there that could prevent this from happening? |
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jezbnme
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call the collection agency and ask to speak to the supervisor of the person in charge of handling your account. most collection agencies hire people with little or no experience and they treat you as if the money is theirs. they are paid on commission so they want you to pay in full but if you talk to someone from the agency itself you may have better results. good luck. |
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frankie b
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If your credit is that good, go to the local bank you deal with and ask for a 2.5k loan. Then pay the collection co. I hate to break it to you, but if it has made it to collections, you probably already have damaged your credit. I would recheck my score, when was the last time you looked? |
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B
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Offer a payment plan, even if a deferred plan.
It will impact your credit, especially if reported as still open and owed with what would be a 'judgment'.
While with your credit score, you should be able to find an alternative way to pay this. However, given your work situation, it'll be a challenge.
While the last thing you should do is to refinance debt into a credit card, if you can get a 0% balance rollover, or a balance transfer of any kind, this would at least satisfy this collection in the short term. It will also buy you time to get out there and get your earnings back. Be very careful with credit cards here.
Good luck. |
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David C
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i just gotta say your credit isnt perfect. |
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pkbuddy
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When it hits your credit agency it will hurt your credit. Unfortunately, there's nothing you can do to stop it. Since you have good credit (not perfect), it will go down, but it won't be as bad as if say you had some late payments already. You need to call the collection agency and speak with a supervisor if the normal rep. won't help. You should be able to set up a FEW payments with them. Make sure you pay it ASAP and keep paying your other bills on time. Eventually your credit will go back up. This collection will stay on your credit report for seven years. Which will impact it until it comes off. Just make sure you try to pay all creditors off. This will show favorably. Try to make a purchase every month and pay it off the next. And those places that say they will "repair" your credit for money, they are a rip off. |
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wizjp
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Credit score is based on positive and negative. A 2.5K collection is a negative and is going to hurt your score a lot. Posting the collection will hurt the credit. They can sue for the amount, lien property and in some states attach wages.
Try talking to the company who originally owned the debit and tell them the collection agent refuses to arrange a term; or talk with a manager at the collection company |
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SPIFIMAN1
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All of the previous posters are correct.
Even if you get them to agree to a payment plan, there is no way of keeping this off your credit report.
Once it hits it will lower your score a lot.
If they take you to court and get a judgment, it will be even worse since the judgment will also show on your credit in the public records section.
All of this negative information will remain on your report for 7-years.
Beg, borrow do whatever you must do to get the money to pay them in full before this happens. Just make sure you have in writing that they agree not to post the collection to your credit before you pay them a penny. |
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nick k
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You may want to look into a personal loan now and pay off the collection before they report it to your credit report. It wil be much easier to get a loan to pay it off now rather then later. Call your bank and ask them. |
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