 Cosigned with fiance and she just left.. what are my options.. she is threatening not to pay? |
Signed an 8000 loan with fiance to pay for her last semester of school. We are splitting up and she is saying she wont pay for loan... what can i do?
Additional Details
Yes I understand ... |
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 Does anyone know how to improve your credit score in a short time? |
| I need to refinance my house but my credit score is 525. I need it at 580 minimum to be able to refi with a good rate and get cash out. Does anyone know how to get a score up that much in a short ... |
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 I recieved a letter saying an award had been entered against me in the amountof several thousand dollars from? |
| a company I have never heard of with a company called National Arbitration Forum. Never received a notice to appear, but had received something months ago from this company saying they were going to ... |
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 Where can I apply for a Loan??? |
I would like to apply for a small loan (no more than £500).
Can anyone recommend good sources with a not so huge APR???
Thanks F... |
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 Anybody know where a 17year old could get a loan of £4000? |
Additional Details
I could save but dont want to wait 3month for the cash paying it back will be no problem.... |
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 If I had $500k in credit cards with $250k available for cash advance what would happen if I did the following? |
| If I had 20 major credit cards with a total credit limit of $500,000 and a cash advance limit of $250,000. What if I wrote the cash advance checks for the $250,000 and put them in the bank and went ... |
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 Should all Americans boycott credit card companies and not pay their bills for 6 months unless they drop INT.? |
| Unless credit card companies stop hosing it's customers, I say all credit card holders have a national boycott and not pay their credit card bills until these vultures (slimbagcorporatedexecs) ... |
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 Will the bank give credit/a loan to a couple working full time that are renting? |
Its for a holiday, just wondering if they would....
Not massive wages either.. Any help much appriciated Thanks!!!
Additional Details
Ages 20 & 23... |
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 How do I take a person to court for money I lend him? |
| I lend my friend $10,000 To buy a new motorcycle and retrive his License it's been 4 months since He agreed to pay me back a sumof 500 a month till the debt is covered he has not given me ... |
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 What should i put for the name for the credit card on paypal? |
| i just made a paypal acount i want to add a credit card, when i want to add it it says i need to put the first name on it... i am using my moms credit card so should i put my moms name on the card or ... |
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 What credit card company's do offers on 0% interest rate for 6 months or more? |
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I mean 0% interest on APR.
Im not botherd about balance tranfers or purshases !... |
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 Credit problems? |
| Does any1 know of any sites or information on how to best clear credit card debts quickly and efficicently. My girlfriend gets a bit trigger happy with the things and i think its time to get them ... |
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 What do you have to have to be eligible for a American Express Platinum Card? |
Can you just be an average person or do you have to have a high paying job?
Also, what is the big fuss about the American Express Platinum Card?
Additional Details
kristabe, I ... |
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 Do debt collectors really call you at home at 3:30 am? |
| My boyfriend is telling me that the private/blocked # calls on his phone at times like 3:43 am, etc. are from a collection agency trying to collect a debt. Is this true or am I being duped??... |
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songmaster305 | How can I build my bad credit? |
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lingua06437
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Get all three of your credit reports. Contact transunion, experian and equifax. Make sure all the information is correct and that all the accounts on there are in fact yours. If there are any errors at all, get them corrected.
Satisfy any judgements or debts you have.
Go to bankrate.com. They have good articles for starting off your credit. If you have no credit at all or some problems - you might have to get a secured card. A normal credit card gives you a line of credit. A secured card is where you put up your own money, pay an annual fee and can't take out any more than you put up. The rates are high, so if you don't pay it off every month you will incur interest charges on the very money you put up! However, if you pay your bills on time for a year you will get a history.
You need to build a history. You need at least 4 lines of credit open that you have paid bills on time for at least 6 to 12 months. You might also try some store and gas cards. The rates suck and you can only use them with one retailer, but they help you build a history.
Once you build a history you can get cards with good rates and cancel the old ones.
Never borrow more than one third of your limit.
Always be on time with your bills.
Never just cut up a card. Call and be sure it is cancelled. |
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Scott D
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Well, the first thing to do is "discipline". Stop spending more than you earn. Next, get rid of all the lingering debts. If you have a whole bunch of, let's say, credit cards where you are not able to pay alot on all of them. Just think of it this way. You are already in bad credit. Therefore, knock them out as fast as you can. For example, pay off the cards that have the highest interest rate. Pay minimum payment on all the others and pay off that highest rate one. Then, once that is gone, knock out another one. Keep going until all your "bad credit" cards are gone. If you have any cards that are still in good standing, keep them. Continue to pay on them. As long as you pay "something", you're fine. It's better to pay $20 then nothing at all.
Once your "bad marks" are all paid off, start building your credit. Wait a little bit before building. Let the excitement of all the repayment die before getting more credit. Not only does not paying credit give you bad credit, but getting too many credit also knocks down your score.
After awhile, get a secured credit card. Even though you might have a $500 credit limit or something, don't let it get out of control. You must use it to get it on the right track. Purchase something very small, candy bar, I don't care. Then, pay if off early. Don't wait for the due date.
Instead of paying $100 at the end of the month, pay $50 twice. Credit companies see this and mark it good.
Then, at about 6 months of this, and paying off this secured card, cancel it. Now, you have a card that was in great standing and was paid off and cancelled.
Then, try for an unsecured card. Do the same thing. If you're denied, get another secured card and do the same thing. Keep this up for awhile and your credit will slowly rebuild.
When you finally get an unsecured card, don't screw it up. Keep it in good standing.
Eventually, your score will rise and you will be able to get a loan. Once you get a loan, pay it off in good standing.
Don't rush off and get a loan. Even if you're in bad credit, you'll still be able to get a loan. It'll be bad interest rate with an unrespected company. Resist and wait until the right time.
Don't quit and keep going. It'll take a long time. Trust me.
It took me years to clean it up. |
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Mr Spock
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keep not paying debts, your bad credit will build and build
if you want to rebuild your credit, then seek out credit cards and make on time pymts ad for $1 dollar more. it will reflect you paid on time and more than minimum balance. a lawyer can do it for you too in 6months to a yr depending on how bad your credit is |
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D R
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1st step make a budget. Track all of your spending to see where you can cut down certain areas and pay off balances ASAP. Make all payments on-time. You can also write letters to your different creditors to ask them to take the marks off your credit it will take time so be patient |
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Harvy S
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This card would be great for you. It is guaranteed acceptance without any credit checks. It reports to all 3 agencies. Check it out.
http://creditoffernow.com/imaginecard |
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rakshaagro
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analyse , the reasons why it has happened
after analysis keep positive approach, hardworking, honesty |
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endsjustmeans
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If you have credit cards now, keep the oldest one. Then, pay off and cut up the rest. Then, stop carrying a balance on the card you keep and pay it off in full. If you do not have any credit cards now, get a secured one from a bank you trust and keep paying it off in full until your bank offers you an unsecured card. It will take some time, but it will be worth it. |
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jan d
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consolidate your debts and pay the bils on time:
Debt Consolidation
http://www.complete-debt-info.com/category/Online-Debt-Consolidation.html |
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wilfreds805
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you need to pay your bills on time, and keep your debt ratio low. Try going to household bank website and apply for one of their c.c. They are for people with poor credit, but it will help you to start rebuilding |
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poojally
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The Best Absolute way to do it? Let the Pros help you! Go to www.Myfico.com and order the Suze Orman kit. If you do what she says it's pretty much a Guarantee it will get better ! |
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ill answer u
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Read some tips and articles on this site on how to rebuild credit |
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