 Bankruptcy? |
| i have recently been imformed that the tsb are gonna try and file for my bankruptcy,if they get it does that mean al my other debts will be non payable as i would be ... |
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 If i get a £6,000 loan out NOW will it affect me getting a mortgage in 18 months? |
| I may have to get a loan out but i will be able to apply for a mortgage on the keyworkers scheme in 18 months. I was taking out the loan to pay off some bills abroad. I only have one credit card with ... |
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 Credit score issue? |
| I need to buy a car ASAP and im scared my interest rate could be high b/c i have an unpaid charge from years ago due to a bill never arriving (i was living in someones home and they said they never ... |
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 Have you ever maxed out your credit card? |
| If so, how long did it take you to pay it off ?... |
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 I want to get a bunch of credit cards, which ones? |
| i want to apply and get like 10 credit cards, what are some of the best places to get them?... |
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 Where do I cash this check at? |
| I was wrote a check from someone who lives in Vermont & I live in Oklahoma so we don't have that bank down here. Can I cash the check at any bank or what?... |
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 Will paying my credit card in advance not improve my credit rating? |
| I generally like putting money on my credit card before making expenditures, as this ensures I won't get charged any interest on any amount and that I can actually afford whatever it is I'm ... |
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 Why do credit collectors have to be rude? |
When I answer the phone and they are rude, I just write it off and refuse to pay. It seems if I could have paid on time I would have - however once they are rude, I am basically done.
I ... |
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 Whats the fastest and guarenteed way to get a loan? with bad credit....? |
| i went to court the other day and they said i had to pay some tickets off within 2 months. the total i have to pay is about 4000.00 dollars. is there somewhere i can go and get a laon? i tried my ... |
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 Does too many credit checks affect your credit scoring? |
| I've had a few credit checks done recently when shopping for loans and stuff - can that affect your overall credit scoring - cos other than that my history is near on perfect so i don't ... |
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| Why do people struggle financially after christmas...is it because they got everything on credit for xmas? |
I'm confused here..all my friends are saying they are so hard up financially now christmas is over.
They got everything on credit for christmas is that why?
I started buying in F... |
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 UK please: what is a good credit card to apply for? |
Additional Details
Lol thanks - I'm aware of the current financial situation but I got one recently - no troubles- and need (not 'want') another for my own personally ... |
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 Need a small loan 1,000 $? but under 18 ? |
| I need a loan of about 1,000$ dollars to buy a new camera im underage with no credit cards but my parents own some so could i get a loan through them i could only pay about 50$ a month where could i ... |
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 How hard is it to get a auto loan ? |
| The lease is up on my vehicle, and I need to get into a new auto loan (or lease). The car I am looking at has a sticker of 22,000.00 My credit score is about 630-640 and the person who is co-signing ... |
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| Will using my debit as a credit card build my credit? |
| I have a debit card with a small bank and I was wondering if using my debit as a credit will increase my credit? I am trying to apply for a credit card, but got denied by chase because of no credit. T... |
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 Can I lie about my age to get a Credit card? |
| Is it safe to lie on a cerdit card appliction so I can get a credit card. Because the only reason why I need one is for business/emergency purpose only. But I too young to even apply for one.... |
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| Someone used my identity to open a credit card. What do I do? |
| I've been playing phone tag and nobody will give me answers. I tried looking it up on line and things are contridicting themselves. I need someone with personal experience to help me. I'm ... |
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Ryan 21 | How do I go about consolidating 10,000$ worth of credit card debt without using a debt management company? |
Myself and my soon to be fiance are in a lot of credit card debt. Between the both of us we always pay our bills on time but now it is starting to become a problem where it is getting overwhelming. I want to get a loan to pay off everything in 4-5 yrs but don't want to work with a debt solution company if it is going to hurt our credit. |
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clint
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There are a couple of options I would suggest. Don't use a debt solutions company. They usually just have some $7 dollar employee telling you what to do while he reads the scripted answers to you. First fiand out what your current credit score is and then put that to work. For example you can get a higher limit card and balance transfer all your debt with a $0 balance transfer fee and then usually 12 months free interest. Upon this method continue paying the highest amount you can monthly. After time it will be paid off quickly. Your motivation and dedication to your spending habits will be hard to change. Although determination will get you through it. 2nd, choice I suggest. Let me know your credit situation and I will help you evaluate what bank and card you will get the best rate from. I have done this now for 5 years and completed cleared my bad debt. Just by rearranging my debt I was able to have plenty of money left over to invest. If you need anything else. Let me know. CLINT |
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ken_voss12345
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Clint's way is obviously the best one, if you can get a credit card that charges you no interest for a while then all the money you save can go towards your debt. There are a few of these offers about, you can even move the debt on again when the grace period ends; pay your debt, not the interests. You can get through it, so long as you apply some discipline and a change in spending patterns.
more tips:
http://finance.ebookorama.com
http://credit-repair.ebookorama.com |
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dbarnes3
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I am using a debt solution company, and it hasn't hurt my credit, it has helped it. My bills are all paid on time with much less interest, I make one payment to the debt management company, and they pay the credit card companies. They do the negotiating with them. I no longer have late fees, I have my payment taken out of my checking account automatically. Since my paycheck is on direct deposit, I can practically forget about the bills. I love it. Only detractor is that you are not allowed to create more credit debt until the cards are paid off. But my husband has his own credit cards, so we still have available credit under his name. |
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fn_49@hotmail.com
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use a company called genus credit management. it wont hurt your credit. they make deals with all the card companies. some will drop all interest as long as you stick with program, that way you only pay principle. with only 10000 in debt it wont take but maybe 2 years to fix. and when its done, your credit histroy is clean. i know this first hand, we amassed more debt than that over a 4 year period of college. it took us just 39 months to get all paid off and we were squeaky clean after. |
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iiiigoodguyiiii
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I know citibank offers consolidation loans, not another credit card,but a consolidation loan. If you end up getting a term loan, make sure that it will allow you to make payments to the principal. I had $6000.00 worth of debt three months ago. Now, I'm almost done paying, simply by paying off card with higher interest, even if the balance is lower that the rest of the cards. I also abstained from unnecessary expenses. You'll be surprised how much you can add to your montly payments by cutting down on "wants". I'm saving $120.00 a month by taking the sub to work rather than driving. Those $120.00, I'm adding to my payments. |
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glasgow girl
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go to your bankng instituion they will gladly consoildate you debt at prime rate, possibly on a personal line of credit depending of course that you are both fully employed. |
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bella_4624_19
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you're right debt consolidation will ruin your credit. you can do everything that one of those companies would do. call the people who you owe and work out an interest rate and payment plan. all credit card companies want some money compared to you not paying them anything. |
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The Drifter
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A word of advice from someone who has been there and done that; don't get a loan, and don't use debt consolidation services. Using debt consolidation won't hurt your credit rating outright. But if in the future, you try to qualfy for a conventional, VA, or VHA loan, you will be treated the same as if you had filed for chapter 13 bankrupcy.. And you really shouldn't need a loan if you just change your spending habits. Paying on credit is the most expensive way to buy something. Trust me, the best thing for you and your fiance would be to cut up your credit cards, and work out a realistic spending budget. A good way to pay off all your debts without a loan is to cut back on your frivolous spending, and put as much money as you possibly can into paying off your debts by paying the minimum each month on all but your smallest debt, which you should put as much as possible towards. When that one is payed off, move on to your next smallest debt, and so on, and so forth. By reducing the number of debts you have quickly, and by putting the minimum payments of your payed-off debts toward your unpaid ones, you can pay more each month on your larger ones. (Once you get to them). It should be possible to pay them all off within only 1 1/2 to 2 years. Dave Ramsey calls this method the "Debt snowball", and it works. (Believe me!) |
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rockin_in_vegas
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If you own a home and can get a variable home equity loan, you have the ability to not only pay your mortgage off faster, but to include your credit card debt in this payoff. Your current lifestyle will not change, you don't have to refi, and it's not a bi-weekly.
This process offered by United First Financial (www.ustfinancial.com) is software driven, web based and guaranteed to work as long as you follow the system.
There is no out of pocket expense to participate. Email mma-program@cox.net for more info. |
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arydl
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The best answer so far is The Dogs of War. Clint has some good points too. I work at a Bank now, and previously a Mortgage Company. Any way you cut it, it looks bad on you that you had to go a debt Management company. Your credit score will reflect it. Nowadays, it takes a score of 700 to get a good rate on loans. And I do not think you could place ANYWHERE near 700 if going thru debt mgmt. Lose the cards, pay the smallest ones off first. Use that extra money (from paid off cards) to apply more to the next card, and keep going. I know it won't be easy, but you will have the satisfaction of working it out on your own and your credit will not suffer as much. Good luck! |
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Just Bein' Me
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What about declairing bankruptsy? That is what my daughter had to end up doing. |
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