 Can you be sued by a company if you are making payments? |
| I was going to settle with a collection company for a certain ammount. The only thing is I cant come up with the other ammount they want? Can they sue me. I still want to make payments to them but it ... |
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 I was 1 day late on a $5.00 payment. Will this kill my credit history? |
| Its for a clothes store and they don't send statments. It was an honest mistake.... |
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 How do I know if these debt collectors are real? |
I have some debt on my credit report and before I pay them off I want to make sure these "collectors" are legit.
I have googled 2 of the numbers that call me, people have complained ... |
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 Where can i get a car financed with pretty bad credit? |
| i filed a bankruptcy like 6 or 7 years ago that was thrown out due to me and my wife at the time not paying the trustee...i havent tried to purchase anything prior so..where do i ... |
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 What is the best Credit card for bad credit? |
Additional Details
i have never had one before it is my first time applying for one i have only ever had one cataloge and my payments were always on ... |
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 Can i rent a car with a maxed credit card? |
| I want to rent a car this weekend but my credit card is maxed and the rental company requires a credit card to rent it. I want to know if they put a hold on the card will it process or will it deny ... |
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 Is it bad to apply for to many credit cards. I already have a few cc cards but got a gr8 offer to open anothe |
| Will it kill my credit rating to have to many open credit cards. I only use 2 or 3 cards and always pay it off but is it bad to open up new ones when they ginve great incentives to. American ... |
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 Is it true, every time my husband pulls his credit report it goes down ? |
| If this is true how many points will it go down? Also he never filed bankruptcy so no bankrupt answers please.He does not have a bunch of bills anymore either he paid them all off when he sold his ... |
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 Getting married soon but my future wife has debt and i do not!? |
| i will be getting married soon but my future wife has around $26,000 of debt from college and her car. and i do not have no debt, and my credit score is perfect, now from my understanding when ... |
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 Negative things come off my credit report in 7 years? |
what exactly does that mean?
my credit identity was stolen 3-5 years ago and i have 40+ account opened without my knowledge. I didn't notice until 2 years ago and anyway... I've ... |
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 Does car insurance go on your credit report? |
| I am trying to build my credit report up....I just got car insurance. Does this show on my report if i make all of my payments? I know that I need a credit card as well as other things to build it ... |
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 Credit Scores???? |
| Is 657 high or low??... |
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 I got scammed on ebay, can anybody help me catch this lady who scammed me of $270 to track her down? |
| Well, I was on ebay, this lady had a listing of a walmart gift card, she supposibly had an extra card worth $500 and was selling for $270. I emailed her outside ebay and set up payment through ... |
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 What's a low interest rate for a credit card? |
| I want to get a credit card, but I'm an unsure what a good interest rate is. Are there any credit cards that have interest rates in the single-digits? T... |
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 How do i find out what collection agency has my debt..? |
| this company sent me to a collection agency when i owed them nothing...i found out from when i went to buy a car the car place said you have good credit but this one thing is killing you..i had no ... |
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 Would you recommend a Discover card or American Express? |
| I have a Visa and i was looking to get another card. I'm 23 and have good credit. I don't have excessive debt. I just wanted to get a 2nd credit card. Would you recommend discover or Am. E... |
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 If made bankrupt do they take your passport? |
does anyone no if you can still travel abroad if you are made bankrupt?
Additional Details
i do agree .debts must be paid and not going on holidays it isnt me . i was asking for a ... |
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 Has anyone's stimulus checks hit their bank account yet? |
| just curious. According to the guidelines, I should recieve mine today and I haven't yet. Just wondering if anyone else has gotten theirs?... |
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diannesy | How long does it take after bankruptcy to be able to get credit again? |
i filed chapt 13 but had it dismissed and have been making payments to creditors...have credit report and score is approx 601...nothing in judgement area states anything bad other than that i had filed the 13 |
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MoniqueLise
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While a bankruptcy will stay on your credit report, this does not mean that you can't get credit. As one person mentioned, you could get a "secured" credit card. This means that you basically leave a deposit on hand with the credit card company. You cannot spend more on your card than the deposit that the credit card company has.
This does mean that you could start to build a track record again. But you'll have to do so very carefully. You don't want to repeat any of your previous mistakes again. Pay off any balances every month.
You may also be able to get loans, but you'd have to expect the interest rates to be extremely high. I'd advise against any loans until you've been able to improve your credit score. |
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Shell
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Dont worry the credit card apps will start rolling in. You may have to have a card that is secured at first. Capital One offers one where you have to give them $100 and then they give you a card with that limit. After awhile they will increase the limit. Good Luck! There is life after bankruptcy. (Also bankruptcy is on your credit report for 10 years now, not seven. Adverse credit ratings stay on for 7 years.) |
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Gillian G
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The best way to bebuild your credit is to start as soon as you possibly can. Don't go borrowing huge amounts - just get a credit card (which isn't difficult) with a small credit limit, spend that and make regular payments on time. Demonstrate that you are responsible and trustworthy, and the credit gradually gets better. There's a website here which I can recommend has some useful information and advice.
Good luck! |
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tna_mcgee
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In Canada the 13 will remain there for 6 years. Same as any other credit. It's 6 years after the last activity on the account so if you are still paying anything, the clock has not started yet. |
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jameslankford
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Well, it depends on what you mean when you say be able to get credit again. If you mean..when can I get a credit card or loan? then you can do so right now. The BK does not stop you from getting credit...it just makes it more difficult, usually by means of higher interest rates on you loans/CC and a smaller loan size/CC limit.
Now if you meant, when will I be able to have an A credit rating again? Then the answer is 7 years. When your BK has cycled through it's term of 7 years and then consequently removed, then if you have been re-establishing your credit in the meantime (ie. getting a small car loan((the most important to rebuilding your credit is establishing a good payment history with installment loans such as an auto loan or mortgage payment))) Then when the BK is removed your score will be in the A rating range and you can receive all the benefits of said rating.
Good luck! |
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Real Georgian
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Yep, it takes 7 years to clear it off your credit report. Listen, it you want to learn how to raise your credit score then visit http://www.mycreditadvise.com there you'll find all types of helpful tips.
Good Luck |
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WillsBroncoGal
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I filed Chapter 13 once. We had ours dismissed as well. There's no real way to say when you can get credit. Some companies will take into consideration its been dismissed. That you can't file again for a few years. It depends on what your wanting to get on credit. Good Luck! |
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Franz Fiend
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I'd give it a couple years until you try to get stuff. But remember that applying for credit cards lowers your score. In 7 years it should be completely back to normal. |
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jacksaw
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It will take around 6 to 7 yrs |
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