 Pin number reversal? |
| PIN NUMBER REVERSAL "If you should ever be forced by a robber to withdraw money from an ATM machine, you can notify the police by entering your Pin # in reverse. For example if your pin number ... |
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 Is it me or is HSBC have the worst Customer Service ever? |
| They have the worst Collectors and customer service reps ever. They constantly try over-talk you will call you a liar to your face. After today I will start recoeding my conversations with them. T... |
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 Auto loan with a FICO score of 750? |
Is it likely or unlikely for me to get approved for an auto loan?
What do you think the APR would most likely be for a 750 fico score?
I have no negative or derogatory on my ... |
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 Will it hurt my credit if I pay my mortgage one day late.? |
| I waiting for my paycheck to clear. And my mortage is with the same bank that I have my checking account with.... |
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 Why are people so judgmental when it comes to credit? |
| I see a lot of people on here who answer questions about credit that put others down who are seeking help b/c of poor decisions. They rub it into the person's face that they have flawless credit ... |
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 Worth closing credit card? |
| I have one payment left on a high interest credit card and then it'll be payed off. I also pay a $50 annual fee with or without money owed (got the card when I was younger with no credit to my ... |
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 Has anyone ever used a credit monitoring or credit alert service? |
| I am thinking about signing up for a credit alert service through one of the 3 credit agencies. They all offer som many different options but I would like to no how well they work.... |
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 If I filed for Bankruptcy can i get a home loan? |
| I filed for bankruptcy last Oct 05 husband did not and we want to purchase a house and land that is going up for Sheriff's Auction. Will we be able to get a loan? And where should we go to get ... |
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 Ebay???????? |
| When u buy something on ebay can u cancel ur order????? after u already buy it and used a bank or credit card? and ... |
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 I wonder if having 100K in available balance when you apply for a mortgage would hurt your chances? |
Lets say you make 50K a year and have 100K in available credit.
Wouldn't that hurt your chances for a loan, or will it improve them?
Wouldnt the leder be afraid, you'd "go ... |
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 My hospital bill has gone for collection. How badly does that affect my credit? |
| I paid the bill as soon as I got a phone call from the collection agency, though it is too late.... |
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 How do I get a collection agency to stop harassing me for a debt that is not mine? |
| Sometime in 2005 this collection agency in New Jersey sent me a letter by mail saying I owe something like 2600 dollars for a debt to Verizon. The name on the information they sent was not even ... |
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 Been made redundant and have a car on finance need advise!!? |
| hello, my partner as a car on finance and he as just been made redundant well he as payment protection which covers him for a yr well ne way he as 9000 still left to pay how much will they cover him ... |
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 Would someone explain to me how cheques work? |
To me it's just like writing the amount of money down on a peice of paper and writing down the name of who you're giving that amount to. Then just signing it at the bottom...
It&#... |
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 Refusing new credit card terms, effect on my credit score/rating? |
| My Chase card was taken over by J.P. Morgan. I have a great credit rating (score 763) and have never missed a payment. Today I get a letter about the"new" terms: my fixed 8.99% rate is ... |
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 Bad credit? |
| yes, i really do need some help. i am only 18 yrs old and my mother got me 3,000 dollars in debt. what steps should i take to get on with my life and have something in my own name???... |
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 Do Victoria's Secret credit cards build your credit? |
| Of course, that is, if you pay them off right. I'm assuming they help your credit a little, but i wonder by how much, or if I'm better off to just get a normal credit card.... |
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AC | How Should I Pay Of This Debt? |
I have 1 question. What is the difference between settling a debt for a settled amount(example: $4,000 debt settled for $1500) and paying the debt in full? What I mean is, which option will make your credit look better? If I settle will it make my credit look bad? Or does it not matter as long as you get the debt paid off? |
 |
 
bdancer222
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If this debt is currently in good standing, a settlement might hurt your credit, depending on how the creditor reports the settlement.
If this debt is already showing as a derogatory item, paying in full is only slightly better than settled. However, paying old debt won't improve your score. In fact, it will initially your score. The older the item, the less impact. When you pay old debt, it becomes a current transaction and counts more in your score calculation, including all the negative stuff. |
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ibettergonow
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settle the debt.....if you are past due and it's on your credit report -it won't make a difference - I have settled many and it saved a lot of money...... |
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xwolfmanx1
 |
AC
hi I actually own a debt/credit consultation business. and the above answers are true in most situations. But if you settle debt There are ways to have it not reflect poorly on your report.
If you would like some free advice give me an email at agdconsult@gmail.com
im Aaron |
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happypants
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if you're not in a rush to get a car or buy a house, which would require a good FICO score so you have a low interest rates, then i would go and pay the 1500.
if you are getting car/house, then pay 4000 off as quickly as possible. settling negatively effects your FICO score |
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dizondr
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don't settle unless that's the absolute, and i mean absolute last means of resolution. it can be placed in the same bucket as a charged off account, which is derogatory and will hurt yoru credit. if you want to pay it off and pay off faster, start selling stuff or get a second job dedicated to paying your debt down. |
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Anna M
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It will show up on your credit report as charged off, with a balance. That's bad. Just try to arrange monthly payments, and as someone else suggested, if you have to get a part time job for the time being to help pay it off. |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://memurl.com/furetu |
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october1234
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If you settle a debt it will hurt your credit score. It would be better to make monthly payments to pay off the full $4000.00. Making on time monthly payments will reflect better on your credit report. |
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saved_astronaut
 |
U MAY wanna check out an advertsed website called feedthepig.org. the tips r that U pay yerself B4 any 1 else, & consider cutting up a credit card & tell a friend 2, also. U should ALSO put away parta yer paycheck every single payday. this should B done 1'st B4 paying any 1 else u owe. failure 2 do so will result in yer NOT B'n able 2 eat or yer neglecting yer immedi8 household's needs. |
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