 Can I get a loan with bad credit? NO PAYDAY LOANS! I need a gauranteed loan. $10,000.? |
| I can't get a loan from anyone because I have bad credit..made a few bad choices in the past, and still getting penalized. I need a second chance. Please no S... |
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 HELP! what is the max time a creditor has to collect on a debt.? |
| I had a creditor contact me via mail regarding a passed due balance from 1990. to be honest I don't know if I ever even had an account with them.....They are threatening to attach my credit if I... |
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 Can credit card debt be passed on after you die? |
| It is my understanding that unsecured debt can not be passed on to your spouse or children when you die. I work in the credit industry and when assisting a client who's husband or wife has ... |
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 If I pay off my car loan, can I get any of the negatives, removed from my credit report? |
| I was late a couple times on my car payment. If I pay off the whole amount, is there any way I can negotiate them removing any of the late payments from my credit report?... |
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 What is the best way for me to dispute an item on my credit report? |
| I just closed a mtg refi. My lender found a $3500 chargeoff on my credit report. I called the company who placed the item. They could not find anything with partial acct # provided on the report. ... |
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 Can a collection agency put negative marks on your credit report seven years after the origination of the debt |
I have a medical bill from February 2000 that I considered at the time, and still consider, to be illegitimate. I didn't pay it.
In 2004 it was sold to a collection agency.
... |
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 Where can i look to find out what credit cards i still have active but not using? |
| i have used many credit cards in the past, most of which i have cancelled, but there are some that are still showing as active, is there anywhere that will be able to show me which i have ... |
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 I just got a call from a collection agency!? |
| I don't know what this could be for, because I didn't actually speak to this person, I just got a call from someone who called herself Mary at my work leaving several messages saying the ... |
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 Where is the best place to get a loan, even with bad credit? |
| I am looking for a loan between $1000 -$5000. I have bad credit, and I'm afraid that I know for sure I know I'll be turn down for it. I wanted options where I can atleast get a thousand ... |
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 I REALLY want to build great credit history and score? |
| I just turned 18 about 2 months ago. I have a cell phone in my name which I had since I was 17. I applied for a credit card and was granted a $300 limit. I just received my second statement from ... |
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 What is the best Student Credit Card? |
I have no credit, but i would really like to get a card before leaving for college.
what is the best student credit card?... |
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 Can a company that issued me credit under the age of 18 hold me responsible ? |
| The account is now paid, but it was sent to a collection agency and also reports negative on my credit report.... |
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 If somebody knows my social security number and name, would they be able to apply for a credit card and spend? |
Additional Details
But if they enter THEIR billing address, wouldn't I be able to track them down, and sue or what not?... |
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joker2662 | How do I lower my APR on my credit card? |
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Toucan Sam
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Improve your credit, or get a new credit card. Personally, I say pay off the card every month so you don't have to worry about APR. |
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ivan dog
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yes call them and ask.... if you've been a good paying customer they will lower
B. |
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CupCake
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Call the credit card company and request a lower limit. |
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JB
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85 percent of the time people get a lower apr just by calling and asking. |
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EvilWoman0913
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It doesn't hurt to call the credit card company and ask them to lower it. They used to do it just because you asked, but I don't think they are quite as easy to deal with anymore, but try it anyway. Can't hurt! |
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SMD
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You could transfer the balance (or at least part of it) to another credit card that is offering a lower rate. Look at http://preferred.ecreditdirectory.com/categories/balance_transfer_credit_cards for a list of cards. |
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Arsenal
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Pay off your balance and then call your credit card company to cancel the card. The service reps are trained to stop you from canceling your account and they will negotiate with you to lower APR and other options.
Otherwise, you will have to hire non-profit org that will have to consolidate your debt and re-negotiate your APR or payments on your behalf. |
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Tbone
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call them and ask for a lower rate or get a new card that will give you a lower rate. There are some out there that will give you a zero rate for any balances you transfer over from another card. |
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zippythejessi
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Ask. Seriously. If the account is in good standing call the company and ask for a lower APR. Bonus points if you've been a longtime customer with little to no problems. If you have to, tell them you got another offer with a lower APR and would they be willing to match it to keep your business? |
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hi91977
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the best way to lower your apr on your credit card is to pay it in full when you get the statement. you'll have a 0% apr |
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Joe Kool
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Switch cards to one with 0% for six months. |
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