 How Do I get good credit...? |
| I have bad credit.... mostly from overdue bills or past due bills. How do I straighten that all out without using one of those credit counseling places? Any help would be great.... |
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 Payday Loans?? |
| Okay, I really need about $100 because I had my grocery money, but lost it, and I have a child to feed..so it seems the only choice I have is a payday loan..so are there any out there that are legit? ... |
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 Can minors be responsible for bad credit when it is their parent's fault? |
| I am a minor...15 years old to be exact , and I am wondering can i be responsible for all the things my mom has done with my credit like putting utilities under my name...borrowing books and ... |
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 First time home buyer? |
| I would like to buy a condo, but my credit is bad. My score is, 567. I have no debt now, but i was stupid and had late payments, defaulted on a student loan, never had a credit card. Aside from my ... |
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 Does co-signing on a loan hurt your credit score? |
| My husband was going to co-sign for a student loan but he's worried it will hurt his credit. Can someone justify his worries?... |
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 What are the best credit cards for college students? |
| I'am starting my second year of college and after I pay all my fees I really dont have much money left for books and such whats a good credit card with at least a 500 dollar ... |
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| My mother has a lot of credit card debt and asked me to research debt consolidation.? |
| She has over $25,000 of debt and has trouble making the minimum payments. We do not own a home and pay rent and auto loan monthly as well as the usual expenses. I looked at debt consolidation loans, ... |
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 What credit card should I pay off first? |
| Hi I am serious about paying off my debt. I have heard it's better to pay off the cards with the highest interest rate, but the cards with the highest interest rates also has the lowest balance.... |
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 Will starting a debt management program ruin your credit score? |
Additional Details
I have a decent credit score and have never missed a payment. However I find that I have to borrow from my credit cards to pay monthly bills. I am starting a dmp as ... |
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 I receive an email from company called:The Free Lotto .that said i won lotto prize. it can be real? |
| I receive the email that inform me won a big money prize from england.is it can be real or a kine of joke?how can i know this?... |
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 What's a good credit card to get? |
| My Sears card is absolutely horrible with their interest rate. I am going to pay off the remaining balance and try to get another credit card. I woudl love to close out Sears but I was told through ... |
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 Loan-shark killed? now what? |
| I had a loan with a loan-shark... My payment was due 5 days ago... I have been calling and leaving voice messages... no calls back, which I found weird becasue this guy was very sharp about payments ... |
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 What should I do collection agencies won't clear negative information from my credit report? |
| Collection agencies have not removed negative information from my credit file even though I PAID all my credit card debts. Now what should I do I called and told them to remove the invalid ... |
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| Credit cards? |
| My question is, i have 2 credit cards and i have significant income right now, but my credit is not the greatest. I am still building it right now. If i mailed in copys of my pay stubs, what are the ... |
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 My credit isn't so great but my rent is really high so I reckon I'd be better off with a mortgage...? |
...can anyone advise me on companies that will take me? Considering the price of houses I would need a fair amount and I could get a deposit although nothing great!!! Help!!!
Additional Details<... |
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 Obtaining a unsecured loan right under $10,000 w/ bad credit- looking to re-establish credit; ever obtained 1? |
| That's just it too. Took out 3 cards when I turned 18 maxed them, & didn't pay them (same old story, statistic); I have an old hospital bill as well from a very bad stomach virus. Now ... |
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somewhereovertherain... | How do I get out of debt? |
I have gotten myself into quite a lot of debt. I cannot afford my credit card payments--they are so high. I have done this before, and ended up refinancing my home, You think I would've learned my lesson, but I went and got myself into debt again.
Are there any suggestions anyone can give me to help me out? Is there a letter I should write to the credit card company about lowering my payments? Anything would be appreciated.
But please, nothing insulting or critical. |
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Well...
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I would recommend calling each creditor and trying to work our an arrangement because it will be much quicker than through writing. You may be able to settle some of your debts with them for a lower amount than what is due. Be aware that if you do get a settlement it will report to the credit bureas as a settlement rather than paid in full.. . but that may be your best option.
Either way, be sure to make payments every month, even if they are small... send whatever you can afford to establish payment history and prove that you are making a good faith effort -- they will be more likely to assist you. |
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Sällÿ
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I can relate to what you're going through and yes you can write a letter to your creditors negotiating waving the interest charges and lowering payments. Just explain your present situation and write a repayment plan. Credit card companies like it better this way than not being able to collect at all.
This site might be able help: http://www.happygodebtfree.com |
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bdancer222
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As you have found, shifting your credit card debt onto your home wasn't a good idea. It sounds like you really need help with a realistic budget and learning to live within your means.
You can try to negotiate with your creditors but if you have nearly maxed out credit cards, it is unlikely you will be successful.
Check this site to find a Consumer Credit Counseling Service in your area: http://www.nfcc.org/. They will review your finances and advise you how to proceed. They have a debt management program available if you qualify. These are legit, non-profit companies. |
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Dont_taze_me_bro
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Your debt isn't a problem, it's a symptom of another problem: Over spending. Your underlying issue is that you do not have a budget. Most people see a budget as a negative, it's actually a positive. You cannot work all day, every day, every week and simply hope for the best. You need a plan, you need it written down, you need to do it today.
I build an excel spreadsheet and simply treated as if it is my checkbook balance. I have running out-go's and incomes and I can be sure I can cover all my expenses.
Write down all of your income, figure out what you can sell, where you can get a second job. |
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Douglas C
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Ok, I had the exact same problem. Im still dealing with it. Check out in your phone book and look up credit counselling. You will need to contact a program that will put all your payments into one payment. You will need to abmit to shame and deal with it. It will hurt your credit for a couple of years but it will heal just as quick. |
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linda m
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I also had a mountain of debt, unfortunately became critically ill and then disabled; couldn't afford anything more than the essentials on the SS Disability checks I received, so I was forced to declare Chapter 7 bankruptcy. I don't recommend this unless your in that situation, but because of the requirements to file the bankruptcy I had to go through debt counseling and debt management course that actually helped me immensely to live within my means!! (who would have thought!!) Any how, you must beware of all the numerous debt counseling agencies advertising out there these days, many are cons and swindles...my friend was taken for a couple of thousand dollars, and still had all her credit card debts on her record!! Recommended by Suze Orhman is a great agency that is recognized by the federal government...go to www.nfcc.org , click on take the first step and it will bring up a page to enter your zip code, state etc...then it will give you agencies accredited by this program in your area....The debt counselor will assist you in many ways....Good luck. |
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robert43041
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Either you refinance your home again, or you go to your bank and ask for a loan ( a consolidation, with which you'd pay all your credit cards in one shot and end up with one manageable monthly payment to the bank) Or you continue trying to pay your credit card bills as best you can. In the meantime I would put these cards throught the shredder and try to start living moe modestly. Or (last option, perhaps, though you'd really have to be in a whole lot of debts:) sell the house, pay all those debts with whatever cash you get from the sale and live in a small apartment until you get back on your feet. |
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dante
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I think you just might try a federal money grant ....check this http://draxoni1.fedgrant.hop.clickbank.net/ |
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Leo F
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very simple answer, stop spending more than you make and buy only what you need and not what you want. |
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Valerie R
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These folks have all of the answers you need about debt to put your fears to rest. |
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Θ
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Nobody is going to wave a magic wand for you because you are greedy.
Go ahead and call to ask if they can lower your payment. |
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