 Will starting a debt management program ruin your credit score? |
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I have a decent credit score and have never missed a payment. However I find that I have to borrow from my credit cards to pay monthly bills. I am starting a dmp as ... |
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 I receive an email from company called:The Free Lotto .that said i won lotto prize. it can be real? |
| I receive the email that inform me won a big money prize from england.is it can be real or a kine of joke?how can i know this?... |
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 What's a good credit card to get? |
| My Sears card is absolutely horrible with their interest rate. I am going to pay off the remaining balance and try to get another credit card. I woudl love to close out Sears but I was told through ... |
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 Loan-shark killed? now what? |
| I had a loan with a loan-shark... My payment was due 5 days ago... I have been calling and leaving voice messages... no calls back, which I found weird becasue this guy was very sharp about payments ... |
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 What should I do collection agencies won't clear negative information from my credit report? |
| Collection agencies have not removed negative information from my credit file even though I PAID all my credit card debts. Now what should I do I called and told them to remove the invalid ... |
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| Credit cards? |
| My question is, i have 2 credit cards and i have significant income right now, but my credit is not the greatest. I am still building it right now. If i mailed in copys of my pay stubs, what are the ... |
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 My credit isn't so great but my rent is really high so I reckon I'd be better off with a mortgage...? |
...can anyone advise me on companies that will take me? Considering the price of houses I would need a fair amount and I could get a deposit although nothing great!!! Help!!!
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 Obtaining a unsecured loan right under $10,000 w/ bad credit- looking to re-establish credit; ever obtained 1? |
| That's just it too. Took out 3 cards when I turned 18 maxed them, & didn't pay them (same old story, statistic); I have an old hospital bill as well from a very bad stomach virus. Now ... |
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 What is the BEST credit card 2 get 4 someone that never had one? |
I'm 18 & I'm a mother .So I'm in need of a lil help wit stuff.
I HAVE NEVER HAD A CREDIT CARD B4.
So I have been thinking about getting a credit card. I'm not all ... |
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 I think I just got scammed by Fajar Hakim. I sent him $450 for a loan of 5k. Anyone deal with him before? |
| What can I do about this? It says the funds are being held by the Malaysian goverment and they need $850 for some kind of tax form in order to release my loan into my account. I dont understand. Help ... |
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 I Need a home loan but have poor credit. HELP!? |
| The loan is for $100,000. Our scores are in the 500's. We do have about $9,000 to put down. We just can't get a loan due to credit issues, and it is so hard trying to repair credit. We ... |
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 How do i get a free credit report? |
| how do i get my free credit card without giving a credit card number i dont have a credit ... |
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 Does it affect your credit if you pay off your credit cards? |
| I have credit cards that have small balances on them, but I don't want to keep up with having to makey my payments every month because I am quitting my job in 3 weeks and I will be moving back ... |
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 Hear is my situation , $10,000 in credit cards debt , pay more than they ask ( double amount )? |
I always pay 2 weeks early anytime I send my bills . what bothers me is the $10,000 I want to get those paid off ASAP.
I have a car loan , I'll just pay that like I am, the last 2 cars I ... |
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 How do I build up credit? Which credit card should I get? |
| I am 20 years old and I never owned a credit card simply for the fact of fearing of getting bad credit that can ruin my life. I was trying to live my life without credit cards but found out I need ... |
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What_Do_I_Do | How Do I get good credit...? |
I have bad credit.... mostly from overdue bills or past due bills. How do I straighten that all out without using one of those credit counseling places? Any help would be great. |
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echo
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If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.
If you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.
I would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site.
There is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now. |
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kerabooo
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You can get a free copy of your credit report from someone like experian and then just pay off the things that you owe, or if you owe a lot, you may need to get help to consolidate your debt into one payment. Either way, getting information is the first step and your credit score will go up quite quickly once you begin making changes. |
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dutch950
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Open low interest accounts, like low amount credit cards or low amount loans. Simply pay the amount on the loan promtly each month and eat the interest as a fee to build up credit or (easier) use the credit card each month for only things that you would have spent normaly like gas, or to eat out, say twice a month. Then, once again pay promtly and eat the interest. the key is to find the lowest interest rates and not to try to build credit by getting cards or loans on something that you wouldn't ordinarily spend cash on, like don't get a best buy card and buy a 60" HD plasma then expect that to help you crawl out of credit. |
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victoriaelaine2004
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Start my paying off your lowest bills first and work up to getting them all paid. And iif you can't afford the bills you have now get rid of the ones that you don't need untill you ketch everything up. Like cable tv, cell phone, internet, etc. Whatever you do don't try to apply for a bunch of things. Your credit shows everything that you have tried to get. |
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chariot804
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Start paying off as much as you can to lower the amounts. Don't spend more then you make. |
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moin_anjum
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The most important point is pay bills on time. Don't open too many accounts. |
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James H
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There is some good info here. |
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the sealer
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The same way I fixed my badddddddd credit report, with TIME ! Talk about a long history of late payments , no payments, I had it . The begining has to be with, don't add anymore to the report. Pay off any creditors that were unpaid, The bad history will start when the creditor files against you and will stay on your report for approximately 7 years. After the 7 years have passed, get a report and look over everything that dates back more than 7 years, note it down, then write to the credit company and ask them why it is still on there. Be sure and have all your info and dates on hand. As of this writing , I have an excellent credit score of 786. |
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Brown Eyes
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pay your bills on time, dont be late... and dont take up any new bills.
try to not waste your money on non necesary things. |
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tuesdayisgreat
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i found the credit repair kit from here helpful
http://www.wesayes.com |
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Jenny
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i found alot of times if you just call and talk to the people they will work with you.. sometimes take off late payments and also if you have credit card bills that are late if you will close the accts they will minus the late fee's and stuff and just make you pay the FULL amt as to which you charged. |
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?
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TRY SENDIN PAYMENTS TO ALL THE THINGS U OWE MONEY TOO AND TRY AND KEEP THEM UP TO DATE. JUST PAY THEM OFF LITTLE BY LITTLE AND DON'T SLIP UP! DON'T TRY AND MAKE IT WORSE BY PUTTING MORE ON CREDIT CARDS AND STUFF BUT AFTER U PAY IT ALL OFF THEN TRY BUILDIN UR CREDIT BACK! THAT'S WHAT I DID! |
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