 What kind of home loan interest rate could I get with a bankruptcy on my record? |
| I have a chapter 7 bankruptcy on my record from 2003, but I have no debt and a credit score of about 700. And I have $20,000 for a down payment. If I got a home loan, would the bankruptcy make a huge ... |
|
 Applying for a credit card..? |
| I'm almost 18 and I would like to get a credit card and I am just wondering how easy it is, what should be my limit, and should i apply through my bank ?... |
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 How can I get a home loan with bad credit? |
| I'm getting ready to go through a divorce and I have 3 children, ages, 6, 5, and 2. I would have already filed for divorce if I had somewhere to go. I would really like to buy a home for my ... |
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 How can i clean up my credit. i do not have the money to offer on settelments? |
| I want to raise my credit score, and just how can i have the negitives turned into postives on my credit report...there are people offering that they can clean up your credit fast for a fee. so can ... |
|
 Credit card limits? |
hello, i payed down alot of credit cards this last year. After i payed them down they increased my limits sufficantly
1 card 3500 then to 7000 now 14000
2nd card 5000 then to 7000 now 11000... |
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 I was denied credit 10/5 by two firms, based on Equifax credit report, need explanation of who and what for? |
| On the report from the denied credit firm, it only gave debt amounts from Equifax and no names. I paid off all my bills at the end of 2005 and early 2006 and only have two debts, outside the two ... |
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 How can i improve my credit, and why is it bad? |
| im 25 andmy credit score is around 550 i believe wich is horrible but im not sure why. i dont have much credit history, but a few years back i got a dept. store card with only a $100 limit to build ... |
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 Unemployed and in debt? |
I'm asking this for a friend who dosen't have a computer.
He's in debt, about to loose his job, lives with his friend, and no money saved up. Every payday he tries to pay his ... |
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 Amazon.com? |
can you pay with a visa or mastercard through amazon?? or u need a paypal??? is it safe to use a visa or mastercard???
Thanks!... |
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 My husband had a credit card in his name only for some dental work. He passed away 2mo. after. I have been? |
| paying on this bill for the past 3 yrs. and the int. rate is 27%. Income was cut in half so I'm just paying min. every mo. so the balance never goes down. Am I legally responsible for this bill?I... |
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 What is a good credit card for me? |
| i have limited if not any credit at all. i just turned 18 last year in november. what is good credit card that will approve me with a decent apr?... |
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 What is the best way to pay off an $8,000 credit card? |
| My current card has $8,000 on it and the percentage rate skyrocketed to a 24% interest rate! I did not read the fine print and after the introductory 0% rate, the interest rate increased. I closed ... |
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 Do things not showing on my credit report affect my credit? |
| I have bad credit as it is but I'm working on fixing but to start off I'm only paying the debts that show on my credit report... but I know for a fact I have some other things that DON'... |
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Chris | How to handle credit card debt the best way possible??? |
Okay, here's my situation: I have 7k I put on a 0apr till 08-08 but my husband's is out of control. He has three cards totalling 22k alone. One is at 4% that has the highest balance the rest is at least 15% with 5k in one and 3k in one. Financial geniuses this one is for you!!!! |
 |
 
mphsblue
|
I am not a financial advisor, but I do know credit. The balances of each of the cards needs to be below 40% LTV. In other words, if you have a credit limit of $1,000.00 you must get the balance below $400.00. Your credit score falls 10 points when you go over 40%. 20 points when you go over 50% and 30 points when you go over 60%. When you max them out it kills your credit. Do what you have to in order to get those balances down and quit giving your hard earned money to the credit card companies.
Good luck! |
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vox_of_reason2
 |
Declare bancruptcy, pay off, and never use credit cards again. |
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See Saw
|
pay your debts on time |
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harish
|
Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredit.html |
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Cat
 |
I had much the same problem with about 15K in credit card debit that probably would've taken me about 15-20 years to pay off if I only paid minimum on all cards. My personal solution was to use a debt management company to help me. They consolidated all of my debt into one payment and I paid it off in a little over 3 years. They get your creditors to accept a minimum payment from you and they either stop charging you late/over the limit fees (if you have them) or lock in an interest rate. Doing this was probably one of the best decisions I ever made. *The only thing you have to watch our for though, and I didn't know this until I read Suze Ormans' book "The Money Book for the Young Fabulous and Broke," was that when I consolidated using that agency, they advised me to close all of my accounts. I thought this was a good thing because it shows that I want to stop my bad behavior, but closing accounts cuts off your history. You don't want to do that. Suze Orman suggests leaving your accounts open and just cutting up the cards. She also suggests paying down the ones with the higher balances first. Once those are paid off, use the extra money you have to apply to your next lowest card balances, etc. I highly recommend her book, it's been very enlightening. Good luck to you. |
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mraudit
 |
Consider speaking to a financial advisor. Best scenario would be consolidating your debt into monthly payments and cut up your credit cards. |
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JL
|
Pay at least the monthly minimum on all of the cards. If you can afford to pay more than the monthly minimum, use extra cash to pay down the card with the smallest balance first. In your case, the smaller balances also carry a much higher interest rate, so you don't want those balances to continue growing and compounding the interest. |
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in +HIM+
 |
Try this: go to www.powerpay.org. It is a free site that will break down your debt and tell you many different scenarios about your current bill situation. It's really neat! You put in your information and then you can select the payment plan that a) saves you the most money b) saves you the most time c) saves you the most interest, etc. It also talks about the power pay concept...you pay one bill off completely and use the money that you were paying on that debt and apply it to the next debt you want to pay off. It's interesting. I hope it helps! |
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Ben
 |
Hi,
I used "Credit Solutions" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came accross this company on NBC News Special Edition.Check it out here:
http://www.anrdoezrs.net/click-1813149-10467845 |
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