 Establishing and keeping good/great credit? |
| Hi! I'm 21 and new at this whole thing. I admit I don't understand much about credit and stuff but I am learning. My parents had/have pretty bad credit. The problem for them was a bunch of ... |
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 Harrassed by Bank of America credit card collection agent? |
| A women from the bank of america credit card collections agency keeps calling my phone calling me Amy and saying that my account is in collections and I need to pay if off! Well for one I've ... |
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 I missed my credit card payment with AMEX by 2 days, how bad will my credit score be? |
| Unfortunately this is my first card and my first month payment that I missed as well.... |
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 Is this some kind of joke? |
phoned a garage to buy a new car, i needed to borrow £4000 to buy the car i wanted so asked them to sort me some finance out.
they said the finance company will phone me back soon.
... |
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 Credit check? |
People say their credit is like 700 or something. How do i check my credit and what is good credit? How can i check it without paying stuf!?
Additional Details
I accidently payed 7.97 ... |
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 Job interview tuesday,why do they need a credit check?? |
| i have a great job offer,pay,benefits however they do a background and credit check.this is ridiculous,i'm ok with criminal bg check but why credit check? wouldn't be too good,my credit,... |
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 What is a good unsecured credit card to get after you file bankruptcy? |
| I need a relaible card with a high limit, low annual fee, and low APR but that is unsecured? I filed bankruptcy a year ago and want to work on getting my credit score up???... |
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 Is Amazon safe to buy from using credit card ? |
| Hey am thinking about buying the PS3 with a few games from Amazon.com, am using my girlfriend's credit card and she's really scared about losing her money. I don't want her to lose ... |
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 Someone used my credit card and told me they would pay me back but haven't, can i sue them? or just deal? |
| An ex boyfriend of mine you'd my credit card to make ALOT of purchases. I alowed him with the agreement he'd pay me back. But has not and it's been over a year! The credit card yes, ... |
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| Credit scoring confusion? |
| I had a credit card back in the 90's. I closed it in 2001 with a balance of $5000 when I got laid off. I tried to keep up the payments but couldn't and stopped paying. It is now on my ... |
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 Do I need to pay off a credit card statement balance and recent activity to build credit? |
| When I recieve the statement of my credit cards, it tells me the statement balance for example is $100. It also shows recent activity since my billing cycle ended, for example lets say $25. I have ... |
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 I need some credit and i have no money what can i do? |
| for my mobile i'm only a kid but still i need 2 soalist (can't spell oh well) and my parent dont get payed for a while is there anyway i can get free tx's with oyut spending my money?... |
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 If I went to a real court,judgement against was rendered by a phony judge, do i need to pay judgement? |
| I went to court in cook county circuit court after my credit card co. who told me i was in good standing, alledgedly sued me for a judgement on a credit card fraud. the small claims court judge turns ... |
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 How do i get a credit card when i have bad credit? |
| most credit card they send the states one i want to try to fill one in for ... |
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 Best way to improve credit score? |
| My credit score is bad. I was young and dumb and now I'm paying for it with a score below 600. Its hard for me to get a credit card application approved if I apply. I make good money and in ... |
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 Can my boyfriend and I apply for a car loan as co-applicants? |
| We need an extra car. The dealership says that I make enough money to finance, but my credit score isn't that good. My boyfriend doesn't have the income, but he has a good credit score. W... |
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 Does a judgement fall off your credit report after seven years? |
| My nephew has a judgement against him for credit car debt. He is paying a monthly installment on it and will have it paid off in less than three years. He asked me how long it would stay on his ... |
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 I recently paid a bill which was a couple of days late arriving.. they have now charged me £20 for lateness.? |
| I thought there were rules against this, whereby they cannot now charge you astronomical administration fees ?... |
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heather S | How do I negotiate with creditors over debt? |
I need some direction, I have a few debts that I am going to need to pay off. I read that you can negotiate with your creditors a lower rate. How would this work, and has anyone ever had sucess in this? |
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mutant_blonde
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Well if your asking for a lower rate or making a payment plan call the number on the back of your card. They can work with you.
If it has already been forwarded to a collection agency go to one of those credit help places and talk to them alot of the time the price will go down significantly. |
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Samer
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buy a plane ticket to iraq and join the military to pay it off. |
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terry h
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in most cases a creditor will only negotiate a lower payoff if you are behind. they dont see a need to lower your debt unless they think you cant pay. that being said, have an amount ready to pay them and be ready to negotiate. usually they will accept as much as 50% less than your debt. NEVER give any creditor access to your bank accounts through electronic transfer or post dated checks, because they will empty your account to get the money you owe them. after they agree to accept an amount for payoff, be sure they send that agreement in writing saying they will be accepting the amount as payment in full for your debt before sending any money. keep this record forever! |
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Wanda
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Mostly creditors want their money. If you are in a situation that has made it difficult for you to pay, the best thing to do is call them and let them know.
They are under no obligation to change the terms of your original agreement. However, because they want something instead of nothing, many will negotiate.
Try to do this before you start making late payments. The more proactive you are, the more likely they to assist. |
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Michael M
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you can the faster you can pay the faster they will forgive and reduce teh amount you owe. You can easily get 25 percent mark down if you promise to pay fast.
then in 30 days you get a report of satisfaction |
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WooleyBooley again
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You can try. They won't listen. Threaten that you are close to declaring bankruptcy. Or, find a non-profit debt consolidation company, that you DO NOT pay a fee to. Those are rip-off scams. |
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dave49310
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I've found that waiting until they go to collect, wait till the end of the collection time and they'll get their manager on the line and settel it right there for pennies on the dollar. gl |
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Brad in Los Angeles
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The best way is to call each individual creditor and ask them for whatever help that they can provide. Understand though that your ability to pay off the debt will impact what the creditor will allow you to do. If you simply don't want to pay as much as you are supposed to, you may have difficulty negotiating without having a real reason to need help. Alos, be sure to check how whatever they let you do will end up reflecting on your credit report. Good Luck! |
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Herbert
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Yes usually you can negotiate by paying 50% of the debt only if you pay it in full. Lets say your debt was $1,000 all you will owe is $500. But I cleared my deby by a company called Clean Credit. They do the negotition for you while monitoring your credit report; any thing that's on your report that does not belong it will get deleted. After about 6 months of working through this great company, my credit score went from 485 to 720. |
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