 Bad credit score! how do i get it back up? |
| My credit score is very very very low. How do i get it back up? Should i file for bankruptcy? I have alot of credit card bills, hospital bills, child support, repo and a few other things. If you ... |
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 How Do I Repair Credit After 7 Years of Delinquency? How Long Does It Take? |
| I asked the question as part of my previous one, but I'm hoping ot get more responses please.... |
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 Can provident loans take me to court? |
| I had a provident loan of £400 (with interest it was around £600) I paid it for a bit now stopped it as I cant afford it. Its been over 2 years now and they are demanding the £450.00 left or take ... |
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 My sister used my credit card? What can I do? |
She owes about $15,000 and doesn't want to pay it. Is there anything I can do for her to pay it? Can I get the debt on her name?
I don't want to press charges because she is my sister ... |
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 Prepaid credit cards? |
| I am 17 years old. I want to buy things online but my parents would allow me to get a credit card. Is there such a thing as a prepaid card? Where I pay money and that money goes into the card. Is ... |
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 Help me understand mortgage refinancing? |
| We have about $30k in equity on our home, and currently have a 30 yr fixed at 6.9%. I'm not sure if refinancing will help or hurt us. My student loans are at 7.22, but I only owe another $3500,... |
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 How do I get out of a 3 yr contract with Ballys after 5 months without moving or medical reasons? |
| I only wanted to use their trainer but i was told to sign a 3 yr contract to do so. I was told I can cancel within 30 days but then I was told it was too late. When I called, they said then told me ... |
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 How do i rebuild my credit? |
| I am trying to rebuild my credit and i cant even get a loan.. i posted on here but something happend.. somone told me to email this guy that gives out loeans but i dont know if i should do it.. i ... |
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 How can I rebuild my credit? |
| I have a couple of credit card charge offs. How can I start to rebuild my credit? should I make a settlement on those credit cards, or should I pay off the entire balance? How will each affect my ... |
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 Is a pre paid credit card a real credit card? |
i keep seeing offers for them and i wanted to know if its like a regular credit card except u can add $
i am planning a trip and need to rent a car and i know most rental places only takes ... |
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 How much credit can I have? I have a $42k auto loan, income of $95k annual.? |
| I also pay mortgage, around $2300/mo, around $860/mo for the car. Income is $95k/yr and about $8k/mo. I know that lenders tend to have a limit of some percentage of your income allowable to be used ... |
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 How do I get rid of a new, un-activated card? |
I applied for a credit card last week, and it arrived in the mail today, but circumstances changed, and I no longer want it.
It still has the sticker on it that says to call the number in ... |
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 Bad debt written off? |
| I had a discussion with someone who said that companies will write off bad debt after 5 years of trying to recover it, i disagree, does anyone know the actual facts about this?... |
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| How can I start my credit? I just turned 18.? |
| I just turned 18 and im in college, and I have applied for student visas, discover, and american express cards, but have been denied because i have no credit. isnt that what the student card is for? ... |
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 I have no credit and need to establish some. Where can I get a credit card with no credit requirments? |
| I have already applied for two credit cards and was denied because I had no credit or not enough income. I am a college student and figure it is a good idea to start establishing some credit. I plan ... |
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myohmysjb63 | How can i get a home equity loan or line of credit to pay off debt,i have delinquent payments on some accounts |
I was recently divorced, my daughter is in college. I fell behind on some payments on my credit cards in an effort to support my daughters educational needs. I have two homes with approx. $70,000.00 worth of equity. I requested from a local bank where i already have a note to borrow approx. $30,000.00 to pay off all cards and other debts. The banking institution refused my request, stating that i have some delinquent payment issues, on cards, etc. He stated since i have a note with them the only thing he can do, is re-adjust my payments on that particular note i have with them. I am new at this type thing, could someone please give me some advice? I am just trying to bail myself out of the hold that i am in, to make a life better for my daughter. Both homes have a lien on them with the bank. |
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Pengy
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Poor credit, add liens on home's (which takes away from equity) high credit card debt, and income unknown. From the little gathered here it sounds like you are already over your head, especially in income to credit ratio. Add to all this the credit crunch that is rapidly approaching, and the glut of homes on the market leading to, or shortly will be the depreciation of those homes, not likely will you get a loan with any terms that are doable. Place one of the homes on the market and hope for the best. Place the one with the most equity so you can get rid of the liens. Do not keep digging yourself deeper and deeper in a debt you may end up losing everything. Not what you want to hear and most likely will go with one of the many scammer's that propagate these boards. So will wait for the question in months to come asking I am being forclosed on two homes what should I do? |
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Deliah
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If you could not get it from your own bank where they obviously have your payment history, then you may be out of lucky right now. Things are tightening up for those who have made bad decisions regardless of the well intended reason.
DO NOT respond to any of the jackasses who dropped their phony ads for you. |
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James F
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Here you can borrow up to 25K hope it helps!
People-to-People Lending. It's an old idea that's new again.
People who need money request it, and other people bid for the privilege of lending it to them. Prosper makes sure everything is safe, fair and easy.
Until now, financial institutions have controlled who is able to obtain credit and the rates people pay, over time, this one-sided control has bred inefficiencies and excessive margins – leading to higher rates for borrowers, and restricting people who have money to lend from entering and generating income from this vital and lucrative market.
Prosper gives people the opportunity to take back the marketplace for consumer credit, Prosper aims to make consumer lending more financially and socially rewarding for everyone by letting the borrowers set the maximum rate they are willing to pay a lender, which prevents the loan from being funded at a rate higher than the borrower wants to pay.
http://www.prosper.com/join/GlobalFundingSource |
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