 Can I get a personal loan if I have a horrible credit history and currently have no open account? |
I Got kicked out of my place and I really need a loan to pay a down payment to this apt. Im moving in to, but Im thousands of dollars in debt and im afraid to open a new account.
Additional D... |
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 Bad credit help? |
| hi i am 33 years old and over last years i have had bad credit cause of losing my job having a loan with no security ,unable tp pay loads of debts having thins for my partner wich he never payed i ... |
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 What are the ramifications of not paying a credit card bill at all? |
| if your credit is already destroyed why bother paying the bill? What else can they do to you?... |
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 Advice on a loan? |
| hi, im currently paying off a credit card of 3000 and a loan of 1000 (lloyds tsb) im not on a high income and im struggling with the repayments. im paying something like 120 a month. can someone ... |
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 After I pay off 3 credit cards should I close them or keep them open? I want to build more credit.? |
| I was unemployed for a while and wasn't able to keep up with payments so now my credit is not great. I have 2 cards that have been closed but I have been given assistance by the creditors to ... |
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 Credit Cards? How do I get my own credit card? |
| Today I found out that my credit score is 770. The reasons why my credit score is high is because my parents co signed ro me to get a car loan. I also have a credit card but my parents also have the ... |
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 How can I get rid of $30,000 in debt easiest? |
| I owe 30k and absolutely do not want to file bankruptcy. I can afford to pay $900 per month but the balance just will not go down. They will not lower my interest rate either. I am skrued?... |
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 Medical bill - What happens if i just don't pay? |
| My wife went to the emergency room. We have insurance with a high co-pay. We own a home and don't plan on buying another one any time soon. We have enough cash to pay the bill, some in my ... |
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 How do I get my name off a co-signed car loan? |
| I co-signed on a car loan right before I separated from my husband and later divorced. He has a Ford Explorer of which he hasn't made the payment on for the last 4 1/2 months. No one will allow ... |
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 Will my bad credit affect my hubby's good credit when he tries to refinance his mortage? |
| I have bad credit, My hubby has great credit. He is looking to refinance a home he purchased before he got married to me and wants us to apply for a refinance loan together, I'm scared that this ... |
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 Debt - What should I do??? |
| I am a 21 year old college student with about 9000 in credit card debt. I lost my job for a while and fell way behind on all my bills - now I have collection agencies calling me all the time and ... |
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 My daughter-in-law took out credit cards in our names but refuses to confess, what do I do? |
| I have reported to the credit card companies but it's been seven months and nothing has happened yet. I told them it was her and we have reported it to the police but I still don't know ... |
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 Why the heck?! (Credit Report question)? |
| I have had a capital one card for years now, it only has a $500 limit w/ a high intrest rate and I have NEVER been late on it. After significantly improving my credit (years of work) I applied for ... |
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 Who should I go to refinance my house if my credit score is 535.? |
| my credit is 535 my first loan is 148000 and second for 42000 and I need to pay some credit cards for 12000 my house is worth 253000 and I make about 3000 a month. Do you know of any companies or ... |
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 How to apply for a credit card? |
ok... so i have a few questions about credit card....
1. what is the difference between a visa and a master card?
2. can i apply a credit/master card if i have no job?
... |
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 What happens if I stop paying my credit card entirely? |
No BS here
We're severly in debt after my wife quit work to have our children be a stay at home mom 5 years ago. I work 2 jobs but its not enought. She has few job skils at any rate
T... |
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 If you pay of a credit card, and then get a refund, what happens? |
| So I have a credit card with a fairly high APR with a $200 balance on it. If I pay it off completely, and then end up getting that money refunded to me, what happens to my account? does it make my ... |
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 Is it illegal to charge a consumer more more if he or she would prefer to use a visa/mastercard over cash? |
I work for a company who has independent contractors that are always trying to get our customers to pay with cash vs. credit. I am wondering if this practice is illegal.
Our company ... |
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 Could my wife be affected if i file bankruptcy? |
| We don't share any credit card and checking accounts, and the propety doesn't has my name on it.... |
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Amanda | How can I pay down my credit card debt? |
I graduated from college recently with approximately $8,000 in credit card debt,as well as an $8,000 student loan. I am in a full time job where I am paid $12 an hour, and cannot seem to find another open position paying better in my city. I am also applying to law schools to begin in the fall of next year, so I will be taking on more loans. This is non-negotiable and I will not be delaying it another year. Does anyone have any advice on paying down at least my credit card debt? I have no savings, nobody helping me, and $1450 in monthly bills, before groceries, with around $1600 in income. I live in a city and have a roommate, and we split everything evenly. I never eat out, I don't go shopping, I barely drive my car. I can't cut back anywhere and can't make more than the minimum payments on my 4 credit cards. Does anyone have any advice? I know the use of my credit card in college was stupid, and looking back now I feel like an idiot. I know I got caught in that trap, and I do not use them anymore for anything. I looked at the "snowball" theory but my issue is I can't allocate any extra funds to one card to pay it down quickly. Can anyone help? |
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shiprepairwoman
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You need a second job. Deliver pizza or babysit weekends, wait table do what you can to earn an extra thousand a month. |
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Heater!
|
I was in a similar situation. Believe it or not, I was able to call every single one of my credit card companies and have them lower my interest rate. When that happened, my minimum payments went down. If you lower the interest rate (and therefore the minimum payments) but continue to pay at least what you're paying each month now, you'll be able to pay them off sooner. |
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Charlie Bucket
 |
not trying to be rude here,only helpful-you could cancel your internet.
cancel your cell phone.
reevaluate your grocery bill & cut down there-coupons,generic,less meat,no soda or bottled water.
call the c.c companies & see about a lower interest rate.
try to cut down on household bills-use less water,turn down the heater. i'll bet there's a little extra $$ to be found.
can you you work a second job part time weekends or nights?
i applaud your efforts & the fact that you're getting an education,btw.
good luck & happy holidays. |
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iltmaemc
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get a second job for a while. use that money only to pay down debt.
ask your credit card company to lower your interest rate
always pay the bill early and always pay more than the minimum. even if it is only by a few dollars.
find a rich boy friend amanda |
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Esperenza
 |
First of all take a deep breath and relax.
Second of all congrats on graduating college.
And $16k in the hole is not so bad.
I finished at $45 k for 7 yrs in school.
It sounds like you have a tight budget already.
Seriously, what can I possibly cut out of your spending.
You just are not making enough right now. Period!
Make more money!
I agree. Do not delay law school.
So many times delays end up never going at all.
it is important for your future and put it first.
1) Get the money off the high interest credit card.
See if the bank will give you a line of credit.
Or sometimes a credit card company will give you real low (2 - 5%) cards for the first 6 months, This can be a way to hold off the interest in the short term and let you put as much to the principal as possible.
2) You have to find a job that pays more than $12 an hour.
Keep searching. If you spend your whole summer working for almost minimum wage you are going to get more behind not ahead.
Plus you have education, you are worth more.
Work 2 jobs if you have to.
When I got behind I signed up to mark assignments online. And made $20 per assignment. Did it after working all day. But got out of the debt fast.
3) If you have a family member that you can ask for help (which for most people is no) then swallow your pride and start asking for help.
4) Apply for every scholarship and bursary on the planet.
See if you can get work while in school where the employer is willing to foot the bill. My employer paid 50% of the cost of every course as long as I got 65% minimum. Other employers out there like this exist. You have to ask around.
5) Put your credit card in a container of water and put it in the freezer. No touchy for the rest of the summer. Starve and live in a box if necessary. lol
Itis not as bad as you think. Once you finish law school you will laugh at $16k debt on your credit card. It is nothing. |
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bdancer222
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Take a closer look at your budget. Eliminate all the extras. Take every penny you can squeeze out of that budget and put it on the highest interest rate card, while paying the minimum on the rest. When the highest rate card is paid off, move to the next till they are all paid.
Find ways to bring in more cash. Have a garage sale, collect alum cans, get a second job -- pizza delivery or fast food. Thow it at the debt.
The only way to get rid of that credit card debt is to pay more than the minimum. |
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mallad
 |
That's a tough situation - apply for scholarships like crazy. Spend as much time in a library as possible because they have lots of books usually in a section specifically about schools and financial aid. Apply for every scholarship you are eligible for. If you start getting scholarships, great! Then get in school, take a student loan and use it to pay off the credit cards. Student loans are much easier to pay later on when you're out of school especially if you're going into law. They're much more likely to be lenient on you than a credit card company, and have much lower interest rates. Then do your best to save up during school, do what you can if possible, but either way then you have until you're done with law school to worry about this, and you can take advantage by getting a good job and keeping costs down for yourself after school, then you'll be able to pay it off. If you make 80g per year, don't go upgrading your lifestyle right away. Pay off all your debt, and then get some saved so you don't have a situation like this again. Cut the credit cards up, and once your debt is paid after school, then upgrade living if you're making a lot of money. And if you aren't making a lot for your town when you are out of school, you at least will have student loan debt instead of credit card, which doesn't sound any better but it is. Depending on the institution, some student loans are forgiven once you graduate and/or get a job. This is usually for teachers, but some others are eligible too. Something to look into.
If that's not a possibility, find a way to make money yourself. Head to Goodwill or thrift stores and find thing that you know you could sell for more - sell them online. Same applies to discount stores. Not the best strategy but if you play it right, it works. Or, look for a job you might not have been looking for before - find a job like a custodian/janitor, or trash collector. Doesn't sound spectacular, but for example a starting janitorial position for the State of Illinois doesn't do all that much comparatively, but they do a job people don't want, so those guys make almost $60k per year starting out. Jobs other people don't want will get you more money, and I've still seen a good number of places looking for those jobs to be filled.
Hope everything works out, sorry I can't find a magic cure but if I could, I'd probably be selling it in a late night infomercial or something anyways! |
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Kay
|
I applaud your determination to continue studying for a law degree. Hang in there and don't give up. It's a struggle right now but you will be well rewarded in the near future.
Since you are doing everything you can to cut down your spending, the only option is to increase your income by getting a second job. Keep trying to find the second job. Waiting on people in a restaurant might give you cash tips in addition to the pay. Look into it if you think you can handle the job. Also, one day out of your weekend, find domestic work like babysitting, pet sitting or help out with domestic chores like gardening, etc. and get paid in cash.
Good luck! |
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Debbie L
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When you get that miracle done,please tell us all how you did it i have a department store credit card I have not used in a little over a year and it still doesn't go down and i always pay more than the interest.I also have a mastercard and i always pay double on and it's fine. |
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William
|
First of all, don't beat yourself up about using your credit cards while in school. It may not have been a wise choice, but it's done and there's no way to undo it now.
Do you have anything you can sell on eBay or Craigslist? Any extra money you can come up with can be used to pay down the debt. If you absolutely can't cut any expenses, maybe you can generate some money by selling some things.
Have you contacted the credit card companies to see if you can negotiate a better deal? If you can get them to lower your interest rate and you continue to make the same payments you are now, you'll be paying off more of the balance every month.
Does one of the credit cards have a lower interest rate than the rest, and room to transfer some of the balances of the other cards over? If you can transfer any of the balances onto a lower interest card, it's another way to make your current payment go further every month.
I would take another look at your monthly expenses as well. Even if you had to switch from high-speed to dial-up internet or downgrade some other expense, you could come up with a few extra dollars. Every little bit will help. |
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Paul
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dont use it and pay it off lmao |
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loulou
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Can you at least start paying $10 dollars more than the minimum of at least one card? If so, just keep trying to do that and build until you are doing that with each card. Probably, the minimum payment will go down each month by doing this, but if you can try to maintain paying the same amount that you origianally paid. Every time you make a purchase think if you can wait a week on it. Chances are you will realize that you don't need it. That is what I have been doing. |
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shawngreen1232
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slash unnecessary spending, eliminate wasteful spending (if any)
Make sure you are focused on priorities or necessary items, not any fancy stuff but you can spoil yourself once in a blue moon. If you really want to get rid of debt you need to be committed to your plan and stick to it. Think of it as weight loss, which is another way to put it. It might not be eliminated today or tomorrow but maybe later on. |
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