 I have a very bad credit score and I need a loan,Does anyone know of Institutions that lend to people like me? |
| I don't have it because I don't pay creditors back, but because I just got divorce and my husband ruin both our credit. (why I am divorce) Anyhow, I am trying to rebuilt my credit, but I ... |
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 How many credit cards should I have? |
| I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what's d' ... |
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 Closing A Credit Card? |
| If you want to close a credit card will it affect your credit (will your credit score be low) b/c a want to close a Best Buy Credit Card and i dont want anything from them anymore i have other credit ... |
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 There are 3 people in my family with the same name but different SS# having problems with credit HELP US? |
| Me, my sister, and my aunt have the same name but we have different SS#'s my sister middle name is different but the initial on middle name is the same my aunt and my name are exactly the same. O... |
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 Where is a good place to get a car loan or a home equity loan if you have not so perfect credit? |
| where is a good place to get a loan for poor credit. my x husband ruined my credit now i need to get a car or a home equity loan any suggestions?... |
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 I wrote an entire book of bad checks up to $400 each. Where can I go for help financially? |
| I have a job. But it looks like I will need nearly $5000 to pay for my mistakes, and much sooner then I can come up with it. Does anyone know of a service that will help me with this? I have awful ... |
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 My Mom used my name and ss# to open credit cards...ADVICE PLEASE!!!? |
| When I was little my mother had TERRIBLE credit (no fault of her own - she cosigned for my dad and he left and never paid the bills) - so she opened up credit cards in my name with my social security ... |
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 Can i get this loan through my credit union? |
| I've been working at my job for a year and a half but i have no credit. At the same time, i don't have any financial obligations besides gas. I'm going to ask for 10k and the highest ... |
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 I just paid off my car loan and a credit card. But my FICO score dropped 32 points, why? I'm paying my debt! |
| I'm paying off all my credit cards, not closing them. But I want $0 balances on them. I paid off my car 6 months early, I never missed a payment and I was never late. Why would I be punished for ... |
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 Should I close a bad credit card? |
| I cut up two cards months ago, but after being unemployed I haven't been able to make the min. payments. I've been in contact with them, but wonder if closing the accounts will atleast ... |
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 Is this a myth...what happens if you just stop paying for your credit card? |
| I have a friend who just got a notice from a creditor via the Sheriff's office. Is it true that if you just stop paying your credit card bill after 7 years it just falls off? He hasn't ... |
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 Is it Illegal for a bank to do this? |
My discover card payment is almost 300.00 dollars and only ten of it goes to the principal.That seems very extreme to me.Isn't there a law against this?
Additional Details
This is ... |
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 Is there something I can do (legally) about ridiculous credit charges? |
| I've been a customer with this clothing catalogue for a while now and I have a credit limit of £1,000 with them. However, I decided not to use that facility and buy on a pay-as-I-go customer. A... |
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 Does this seem fair for owner financing (on a house)? Or is the guy trying to make a few bucks? |
| My fiance and I have plenty of $ for a down payment on a house, but can not obtain a mortgage. A seller is offering financing @ 8%, and after 1/2 of it is paid (30k) he will give us a deed for trust. ... |
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 How can I avoid being served with papers, a debt collection agency want to sue me? |
I do not live at the address they have on file, can they sue me if they can't find me to serve me?
Additional Details
The explaination for why I have not paid the debt is very long..... |
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Reanna | How do I lower my Old Navy, American Express and Chase card interest rates? |
I have been late paying once or twice on them all I think. |
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Studious
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If you can get a new card that offers a lower rate you may be able to transfer your balance to that new card. Read the fine print! They will charge a certain percentage immediately. Make sure it is worth it.
If you are behind or slow they may well lower your rates, if you explain you are in danger of defaulting. They would rather lower your rates and keep you paying, than get nothing.
Don't take out a home equity or something as right now this is unsecured debt and you want to keep it that way.
Get them paid off and don't ever carry a balance again. Your card should be convenience only not a way to live above your means. |
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quizzard123
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If you have been late paying, you can forget lowering your rates. They will SOMETIMES lower rates for the very best of customers.
Even missing the odd payment does NOT make you one of the best risks, so they will almost certainly not lower your rates. |
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Judy
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If your credit isn't too damaged try to open a new credit account that offers 2.99% on balance transfers.
Yes, they still exist. But if you are late with them, they will jack up yoru rate to even more than what you are paying now.
Go to bankrate.com and click on credit cards, then choose what you want - it will give you a list, some with a link directly to the site.
Give it a try, all they can do is say no.
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Andrew G
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when you are late on a credit card your interest rate will go up any way unless you are fixed. you really don't have a way to go unless you consolidate all into one loan and one interest rate. |
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Oh Wise One
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Just call and ask. Worst that could happen is they say no. |
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bdancer222
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If you have been late once or twice paying all of them, they are much more likely to increase your interest rate and lower your limit. It is also unlikely that you will be able to get another credit card with better interest rates, with that kind of track record.
You will need at least 24 months of consistent, on time payment to over come those lates. |
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Jose V
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Just keep calling. If they don't lower them by the 7th time threaten to cancel |
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moladdy
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I actually work for American Express's credit division and I can tell you that it just takes a phone call. We'll look at your history with us, and give you options that meet both your needs and ours. |
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oh5893b
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You can call CCCS consumer credit card services . they may be able to negotiate a lower interest rate but they will usually close out the accounts in order for you to pay them off. |
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seth j
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Call them and ask. They might lower them for you. |
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erin o
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You have to call and ask.. And they most likely will say no. But keep calling back every week or so and eventually theres a chance that they will. |
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