 My family used my credit card? Help! |
A sibling committed fraud in my name, with a credit card, over $10,000.
What are the consequences, if I report it, or decided to do nothing?
Please, answer seriously. I don't ... |
|
 Credit Card Fraud? Please help!!? |
| Hello, I have been using godaddy.com for stuff a couple days. I have only purchased 2 items on godaddy.com, which was Hosting plan-1 year for $38(with 10% off) and $8 domain. I even have the receipt ... |
|
 Job centre crisis loan? |
| Has anone had a crisis loan from the Job Centre? How much did you get? What are the terms of re-payment?... |
|
 Can someone tell me the consequences of going bankrupt? |
| I'm in too much debt and unable to pay it all and can only see the way forward is bankruptcy, not sure on how to do it and i dont no the full consequences of doing this. can anyone help?... |
|
 Free Credit Report? |
| I keep seeing the commercial on TV about freecreditreport.com, but then it asks for your credit card number for some kind of charge. How is that "FREE?" I will not give them my CC number ... |
|
 How did someone get my credit card account number? |
| my credit card number has been used by someone. How do people get these? I have never ordered any thing online with this card, in fact I rarely use it.... |
|
 I need a personal loan of $5000. My credit is bad. Don't want anything from overseas. Any ideas for me? |
Any type of loan will help. If needed, I can pay it back in a year. I just need the money for school and to fix my car. Like I said, I don't want anything from overseas.
Additional D... |
|
 When approved for a credit card are you supposed to send in a payment for the card? |
they sent the letter stated i was approved and to send 34 dollars for the card to be sent to me...just making sure im supposed to
Additional Details
the bank is bank of ... |
|
 Can a prepaid credit card help reestablish my credit? |
| I have paid off all my depts. What are some good ways to build up my credit again. My credit score is 576. I don't want to apply for loans because i am afraid of inquiries bringing my score down.... |
|
 Credit card question!? |
| I applied for a credit card on the 4th of September, and the invitation said pre-approved. On the seventeenth I got a letter in the mail saying that my application had been approved and I would be ... |
|
 Debit Card Disaster!,... HEEEEEEELP!? |
| ok, Here's the thing. While on vaccation My husband bought a ticket with is Visa Debit Card. The clerk made a mistake with the flightplan and told us she would cancel right away. Then she ... |
|
 50 Point FICO score drop? |
| I just checked my FICO score (I am provided my score every month from my credit card company) and it dropped 50 points in one month. I haven't opened any new accounts, missed any payments or ... |
|
 If I payed at least $5 on the two credit cards I have in collections would it help or hurt the card? |
| I have two credit cards in collections that I am trying SO hard to pay off. I want no debt! A lady suggested that even if I pay $5 it's still a payment, and they can't do anything more. Is ... |
|
 How do I find out who to pay when I'm trying to pay off my debt? |
| I have a few accounts that are currently in collections that range from store cards, credit cards, and bills....but since they're now in collections, how am I supposed to know who I submit ... |
|
 Spouse cosigned for bro. said no more than $500 now debt is over $5000. what can we do? bro wont pay? |
| we did not know brother had gone over limit we verbally agreed to. we have tried being nice. he wont pay. husbands credit is going down fast. can we sue? what do we do?... |
|
|  |
J-H W | How do I raise my credit score? |
So as a teen I screwed up some, landing me 3k in debt and boasting a score of 580 :( :( so im 22 now and I really wanna fix this. what do I do? |
 |
 
Brandy
 |
find out the collectors info or whoever call them set up payments with them OR see if they will settle for a smaller amount. (like if you called them and said i have 2,000 that i can send you right now, will you settle?) but of course you would have to have the money to do so, they might even settle for less.
If you have credit cards go through them and pick out the ones(if any) that charge you a monthly fee and call the credit card company threaten to cancel if they don't take off the monthly fees, if they agree to take them off then keep it but if they don't then cancel it you don't need anything else to get you into debt further. canceling a lot of ccs makes you look bad on your credit.
If you don't have a credit card then get one with low interest and no monthly fees(try capital one, but dont try too many this can hurt your credit too) and use it ONCE a month then pay it all off every month ontime, your payments should start showing up on your credit quicker than you think!
fixing your credit can take a lot of time and money, but its so worth it after its done. Good Luck to you! |
|
swanjarvi
|
some will power, some prayer power, and a lot of, lot of, hard work! |
|
Mortisha
 |
Pay ALL of your bills on time. Don't max out your credit cards on stupid stuff that you think you need. If you charge something on a credit card, pay it off when the statement comes in. Pinch pennies to pay off that $3k in debt. Live and learn. I have been there and now know how to prevent it. |
|
lexi j
|
pay ur bills on time
and not jus the minimum
go above and beyond
|
|
walkthisway2009
 |
I would recommend 2 things: 1) a very low cost (possibly free) credit repair program to try to have the negative items removed. 2) I would add a tradeline program to boost your score quickly (60 days or quite possibly less). A friend in California used this and got a 120 point bump from 560 to 680. There has been a lot of disinformation by Experian saying these authorized user programs do not work. Check out the source news link for an article from July 30th that has them admitting it still exists. My friend in California went through www.totaldebtsolutionsllc.com and filled out their free evaluation form to get the ball rolling. Good luck. |
|
eatmorenoodles
 |
I've read that a good thing to do is to always pay more on credit cards than your minimum payment. Once your credit is in better shape, it is best to use your credit card (but not max it) and pay it off in about 3 months. That shows that not only can you use credit, but you can handle it and manage it. Also, don't apply for every offer that comes in the mail. Each time you apply for a credit card, it goes against you. If you have alot of credit cards, you may want to look into consolidating to one card with a lower interest rate. Oh, and always pay on time. Once you are back on track, only keep one or two cards. The more you have, the worse it will score you. |
|
Julien L
 |
make sure that you NEVER miss the minimum. At the very least, if you are in a rough spot and you can pay the interest + minimum every month, you will slowly reduce your debt (but this will end up being costly, always try to pay off as much of it as you can) and as long as you don't miss your payment, your score will sloooooooooowly recover.
Also, I don't know what kind of loan it was (credit card etc.) but if you have high interest, consolidate! Go to a bank (any bank, if yours says no, go to an other one, they will see this as a chance to steal an other bank's loan to you and get the interest so you have nothing to loose trying even if some banks say no) and try to get a low interest loan. Consolidating is when they transfer multiple balances (you can do it with just one also) to the new loan where the interest is lower so you can pay it faster. BEWARE for temporarily low interest because it will skyrocket after. If the bank loans fail, I know CITI has a credit card with a permenant prime + 0.9% interest (that is super freaking low). You should be looking for a loan with anything from prime + 1 to prime + 3, but not more unless you absolutely have to.
oh and 580 isint great but its not horrible either, so don't loose hope! |
|
cat082525
|
Pay off all revolving debt (credit cards, etc) with the most money going towards the cards with the highest interest rate first. Keep the cards once you pay them off but DONT use them. Once you do this, to keep your rate going up, DO NOT buy anything unless you can pay for it in full. Assessing the difference between Wants and Needs is difficult at first, but you are young and have a chance to turn it around if you are careful. Once you have all debts paid off...
Ask your employer if they have direct deposit. If so, have them split your check 75% into your checking account, 25% into a savings account...then Dont touch your savings account.
Good luck. :) |
|
paulp114457
|
buy stuff out of the catalog and pay it |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 41 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
9 | 8 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
9 | 6 day(s) ago
| | | |
9 | 1 week(s) ago
| | | |
9 | 2 week(s) ago
| | | |
9 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
