 How to get a loan with bad credit? |
About 5K.
In need of good advice.... |
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 How much money do i have to make to qualify for a 264,000 loan? |
| I want to purchase a home that is priced at $285,000 I have 10% down, now I just need to know how much I need to make to qualify for a conventional loan.... |
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 What happens when you just stop paying on a credit card? |
| Seriously, I have bad debt once out of college and this one card has a pretty high limit and it's maxed and I have tried calling them for assistance but they refuse to help me out and lower my ... |
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 What is the best way to get rid of a credit card? |
| I have an aspire credit card which I haven't had any trouble out of but I want to get rid of it before its time for the annual fee of $150. What is the best way to get rid of it. Cancel it and ... |
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 I have $2000 in debt. I want to take out a loan to pay this off. What kind of loan should/could I get? |
| I have almost $2000.00 total in credit card debt, on three different cards.(CitiCards: $1000.00, Capital One: $700.00, and Gap $200.00.) I have cut up all of my credit cards, but have yet to cancel ... |
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 Why would someone fraudulently purchase items on my credit card and send them to my house? |
| Several items were purchased on my debit card and some of the items bought were sent to my house. I can understand why someone would buy something for themselves, but why steal my credit card # and ... |
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 Why do creditors put so much importance in credit score? |
| I mean ok I go to apply for a loan and check my credit score with experian before I leave. Experian says my credit score is a 656. I have no late pays, no over limits on my credit cards or anything ... |
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 Money has gone missing from my account.? |
| I went to head out last night and went to the ATM to get money out, knowing I had at least £60 in my account. It wouldnt let me take it out, said I had insufficent funds. So, I checked my balance ... |
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 Credit card debt that is 6 years old? |
| should i pay it off ( the $2,000) or not? is there a statue of limitations on credit reporting? if yes, how long is it and should i just wait it out or would i still be responsible for this old ... |
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 I have moved to the U.S. a month ago. I have no credit history. how can I make one.? |
| whatever I want to do and need load they are asking for a credit history which I don't have. what can I do. I live in burlington, VT.... |
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 What documents or proof do I need to show my son has worked? |
| Are there certain documents I have to get to show that my son worked at a certain place? What is it? He's 15 going to be 16 this year. He wants the evidence for a school credit or something.... |
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 Bad credit need Credit card !!!!!!!!!!!!? |
| I HAVE A SCORE OF 460 AND EVERYTIME I TRY TO APPLY FOR ONE I HAVE TO PUT MONEY DOWN OR SOME BS... |
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 I want to consolidate my credit cards? |
| I have about $12,000 in unsecured debt from credit cards. I plan to pay two off soon, but that still leaves about $10,000. I am paying the minimums and have a good credit score (730), but my ... |
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| HOW can i improve my Credit? |
| I have no credit cards. I have no loans outstanding. I do have a past chapter 13. Paying on al old accounts. So what else can I do to improve my credit..... |
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bored | How to get out of credit card debt? |
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Pichi
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Cut up all your credit cards.
Live within your means.
Pay off your old credit card debts.
If you need help, contact a consumer credit agency that helps people manage their money and pay off their debts. |
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creative
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First I agree with Janine. Make yourself a budget. Also spend cash rather than plastic. People tend to spend much more when they use plastic because they can't see it. I guarantee if you spend a thousand on a card its almost nothing, but if you have to count each hundred and dollar you will think twice. Take 2 or 3 days to think about any purchases over $50. It works. I saw 3 books on sale half off that equaled $35 dollars. I almost bought them on the spot. I thought about it for 2 hous and realized how much I did not need the. Some people make purchase and later say "I wish I would not have bought that".
Pay your smallest bills off first. Cut back on things you don't need like going out, fast food, etc. The money you save there can go towards bills or needs. Like problems, a brick house is big but it started out have one small brick. it took quite a few bricks to build he house. Your situation is merely a lot of small bricks. Take care of the smallest ones first and work your way up. Before you know it you will be out of debt.
Also get a copy of all 3 credit report from equifax.com, experian.com and transunion.com and dispute anything that is inaccurate. Also get a copy of your rental history from the Rental Reporting Agency (RCR) and a copy of your checkwriters report from Chexsystems or Scan do the same for those 2 also.
Every dollar needs to go towards a bill or need. Even those pennies we pass up that probably equals up to $100.00 over time. Discipline your self and spending habits.
Also develop an envelope system. Say your budget for food is 200 and for utilities is 150. Have an evelope for each with the budget amounts in them. Once you have used the money in the envelopes up you must wait til next month. If you save in one category use place the saving in a backup emergency fund for hard times sake.
Discipline is the key. I know it may be hard sometimes but you will get used to it like you get used to driving a car. |
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Alicia
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stop using them! |
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Beth
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stop charging stuff
call the card company and tell them you want to settle and see what kind of arrangements can be made. They will close your account but if you have large debts, they may agree to accept less than you owe. You will have 'bad' credit for 3-5 years, but if you want to stay out of credit card debt, having 'bad' credit will keep you from getting back into credit debt! |
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john d
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Plenty of good advice here. |
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business
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Depends. If the credit account isnt already in collections and is overwhelming you, refinance if you are a home owner, usually in revolving accounts creditors arent willing to do settlements to help stop the interest because thats where they get the means to keep there company afloat. The idea is to stop the interest so that you can pay the debt, the only way to do so is to let it go to collections where you can negotiate a settlement offer. Never go through (Consumer Counseling Services where they pay monthly. they only aggravate the situation and if they arent paying the minimum by your due date they arent affecting the account balance, as you are doing yourself. If the credit card account is already in collections by no means should you think you do not owe the entire balance, that you only owe what you charged. You signed up for the interest monthly on the balance owed by your due date. Again if in collections negotiate a settlement offer. Make sure they fax or mail you a copy of the settlement offer agreement before you secure a payment with them so that they will have to honor the obligations, dont take the collectors word that they will honor it, YOU DONT KNOW THEM! Make sure you dont skip a 30 day period within the settlement offer or you will forfeit the settlement and the funds paid will go to the balance owed and you will have to start over. Only allow your accounts to go in collections if you can pay off the lump sum for the settlement. If your not ready keep struggling with the month to month cycle until tax season when you would probably have the lump sum payment. Also remember your account was bought because its a revolving interest bearing account, and settlements dont go down they are negotiate from the balance owed. This settlement will be updated to the bureaus. Dont panick, the interest has stopped, you can always go back 30 days 60 days, a year , whenever and pay the remaining balance to be reported as paid in full. Keep in mind that if you save $600 or more it is reported to the IRS as a gift or income earned to pay tax on. But no more extra money on the interest alone. Good Luck |
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oilman11977
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try to contact credit card companies and see if you can get lower interest rates. This site has some great info |
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Adios
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Stop charging and pay the balances owed. |
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RWA 69
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pay credit card bills every month.
don't use them. |
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Lily
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Cut the card in half and stay home for 6 months and pay the bastard off! |
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helper
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sign up for one of the many credit card solutions advertised on tv, they are not a gimmick, they are non profit, they work with your creditors, taking away any late fees, cutting down or eliminating interest |
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Mindy
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How to Manage Your Credit Card Debt?
http://www.askaquery.com/Answers/qn1579.html
What is credit-counseling service?
http://www.askaquery.com/Answers/qn492.html
Debt Consolidation - Get Out Of Debt
http://www.askaquery.com/Answers/qn1643.html
How to Hire a Debt Counselor?
http://www.askaquery.com/Answers/qn1584.html |
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2eighty8
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Cut it up and starting paying it off. What i do if my balance is bigger than my minimum payments, I either pay a bit of it off with every paycheque (I'm assuming you get paid bi-weekly), three or four times the minimum monthly, or a combination of that. Pretty soon, you'll be out of debt, paying the least amount of interest possible. |
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Janine H
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First, stop using your credit cards. Second, sit down and make yourself a budget, what you bring in each month and what needs to be paid each month. This may result in cutting out some extras for awhile (ie eating out, renting movies). If you can't pay for it in cash, you don't buy it. Third, pay more then the minimum payment on your credit cards, paying only the minimum payment is basically just paying the interest on each card and will only keep your debt the same as it is, it won't do much to actually decrease the balance. Fourth, call your credit card companies and see if you can get them to lower your interest rate--this will be a huge savings to you over time. |
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jenks1545
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First you should stop using them. I dont know how much debt you are in. IF you are in thousands of dollars worth of debt i would make a budget up each month and pay on your credit cards. If you can pay all of you credit cards call you credit card companies and talk with them to make a payment plan. If that doesnt work pay on the card with the most debt on it first then pay on the next one. Other things you can do is stop going out to eat, stop going shopping, and try and save money. use coupons when grocery shopping. |
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