 Credit Score, Good/Bad? |
| Ok I have one credit card with a limit of $500. I've had it since February 2007 and have been paying off bills fully and early every month. My credit score shows 723. Is this good/bad/alright?... |
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 Credit card question? |
| I currently have a credit card that was always paid on time, I sent money last month and there saying they never recived it and is asking for 200 in overlimit charges. They have always had high ... |
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 Im getting married soon and desperatly need a loan, got real bad credit, and bank refused, any ideas?? |
Additional Details
ok so for all u pple giving me stick about getting married when financis are no good, 5 years ago, after a divorce and death of my baby i suffered a nervous break ... |
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 I would like to get a credit card? |
| I'm a full time college student and would like to start earning credit for later in life. I don't have any student loans that will earn credit (have a full ride). My sister mentioned ... |
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 Does marriage effect good credit? |
| I have great credit, my boyfriend on the other hand has very bad credit. We have been talking marriage for quite some time now and always just thought that with the current situation we would use my ... |
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 I work,i have a mortgage, i have a car bought on hire purchase,Bank loan,so why wouldnt Currys give me credit? |
hello, i went to Currys electric store to buy some goods on credit (TV, fridge), did the hp check & it refused me credit.
does currys have their own credit rating?
i have never been ... |
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 I have no credit and i need to get a personal loan quick!!? |
i have no co-signer and i need a loan
i haven`t started a line of credit yet!
and i don`t want a credit card!... |
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 How bad is our debt? |
| My husband and I have a total of about $20,300 of debt all together (credit card and student loans -- heavy on the student loans). How bad is this? I am 23 and going to graduate college in December --... |
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 I'm 18 years old: no credit, how can a bulid up good credit? |
| I'm getting a cell phone bill in my name and have considered a credit card---the basic rule being that I only spend what I can afford, I had a credit card in the past (in my grandfathers name, ... |
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 Is bankrupcy better than dept consolidation? |
64 years old, amount owed is approx 25,000 in credit card debt, retiring in 1 year, unable to continue full minimum payments and still keep my car.. (Got in too deep!)
Additional Details
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 Need nose surgery asap... awful credit. can i get a medical loan with a cosigner? |
| Ok, i have a very severe deviated nasal septum. my nose is crooked and it has gotten to the point where my throat is so torn up (because i can't breathe through my nose at night) that I ... |
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Dave | How do I get out of credit card debt when debt collectors are after me? |
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Adel
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Try your best to pay off as much of it as you can. Sell whatever stuff you have that you don't really need, see if you can get a 0% interest loan from a good friend, try to cut down on unnecessary expenses, and do whatever you need to do to cut your debt down as much as possible. I will be keeping up with this question because my credit card bills have gotten quite large also. Good luck. |
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vagabond79
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Let me preface this by saying I work for a collections agency but I am NOT a bill collector (I do IT work).
If there is one good thing about your credit card debt going to a collections agency it is that interest is no longer accruing at outlandish rates. With that said, you have a couple options for paying it off: you can setup a stream of payments (usually the minimum is around $50/month depending on the situation) or you can settle in full for an amount less than the outstanding balance. I have seen them accept as low as 40% of the outstanding balance depending on how high it was to begin with. If you don't have a huge balance you can probably get them to knock 20-25% off of it. Remember, collectors want to get any money badly and they will gladly work with you to get something over nothing.
Hope this helps. |
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curious
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change ur telephone number and dont look back...... |
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Pravda
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You are going to get quite a few answers here on how to correct your credit issues. I think you should look at all the answers here and make an informed decision on which to use. What I have learned is that you need a starting point so, you'll need to spend a little money on a 3 in 1 credit report so that you can do just that. Then print up a form letter advising those collectors that are after you that they may only contact you by mail...have the letter notarized. This will help you relax a bit. Lastly, may I suggest a web site that can help you repair your credit http://www.thecreditrepairmanual.com
Best of luck, |
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mrsjanejetson
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Talk to a reputable credit counseling company. Check the BBB on them. There are good companies out there that can really help. Be careful about doing settlements. they stay on your credit for 7-10 years depending on your state. Creditors view them just as negatively as bankruptcy. and any amount the creditor 'forgives" you will have to pay taxes on. The IRS considers the "forgiven" amount as taxable income. Do not refinance your house to pay off the credit cards. you will just be trading unsecured debt for secured and that is hardly ever a good option |
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beauty s
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stop using your cards and pay your bills |
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CJ
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tell them what you can pay and stick to it. They'll accept the fact that you're willing to pay something. It will take time but, pay it off and get your credit back on track. If you let it go, it will catch up to you. |
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See Saw
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You should opt for credit card debt consolidation:
Consolidation is the best solution available to the credit cardholders to improve their future credit. People go for debt consolidation for many reasons: prolonging the loan period from 5 - 15 years and reducing the interest rate. Consolidation allows you to go for a loan with lower interest rate than the one you are currently paying. Besides it simplifies the loan repayment as you are paying only one lender in place of various payments to different lenders.
http://debt-trap.com/category/Credit-Card-Debt-Consolidation.html |
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goodfella
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its easy man just pay what you can afford to pay the credit card companys. just make sure you would have enough in the bank in order to make the payments and to support yourself. and if the credit rate is high then just pay piece by piece little by little or big by big.and set a limit on your credit cards and use them when your desperate or in case of emergency. |
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Ads
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Commence your own debt management strategies and put them into action. This way the debt collectors must back off. My profile under debt has information for this. |
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starfairy181
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Go to the forum section of http://creditboards.com and READ READ READ |
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Kristina
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Simple. Pay your bills. One at a time. |
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missiondebtfree2424
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This article may help: http://www.associatedcontent.com/article/236440/how_to_pay_off_credit_card_debt.html |
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