 Can anyone moved country and left debt unpaid? |
| I have ,like lots of other , loan (4gr) and credit card.Ive decided to move country and not come back, as my husband family live in other country.Can i just forget about that debt?My bank was riping ... |
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 Pushy debt collectors? |
| I have been paying my credit card debt each month without fail since being made redundant 6years ago.My first payment was £20 per month but it is now £60 per month.The collection agency is now ... |
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 How long does it take to get a credit card at macys? |
| After you have filled out all the info, and got accepted?... |
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 How do I get a GOOD loan for $2000 with no credit.? |
| Purpose: I need it to cover the purchase of a used car and the insurance payments for 6 months totaling $3,500. I already have $1500 cash. VERY IMPORTANT: I want to pay it off in less than a year. T... |
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 Help! Getting home loan with poor credit? |
| I really need help getting a home loan with poor credit. I have a small down payment and a gift of equity of about 15,000 but i need to know how to get a home loan with poor credit. I don't ... |
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 Whats the number on the back of the credit card mean? |
Additional Details
I want to know what ccv, or cvn stands for?... |
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 Why do so many people have trouble living within their means? |
| I have to write an Arguementive Essay on an article I read about Credit Cards. The question above is the question I have to answer for my essay. I want to know actual people's point of views ... |
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 OMFG .. Will this hurt my credit score? |
| Dang, dang, i am so concern about this now. I just checked my CapitalOne account online and i just REALIZED that my minimun payment is due on the 22nd of November. So, that mean it was 7 days late. ... |
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 I have debts of about a grand that are over SEVEN years old. What are my rights (if any)? |
| I heard diddly squat for seven years now i'm receiving major heat from a debt recovery firm. I thought debts were written off after 3 years. Can any good people of the Answers community advise ... |
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 Which credit card gives u the most benefits and rewards? |
like cash back or air-line tickets...
how is bank of america's power rewards credit card?... |
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 Please let me know...? |
Does anyone else spend all of their month's wages before the first week is finished?
Additional Details
To the lady that thinks I need counselling... I think that you have issues ... |
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 How to get a home loan with bad credit ? and no money down ? |
How can you get a home loan with no money down and your credit is not the best ?
My wife has pretty good credit but she is a stay at home mom . We are trying to get a home
And it is not ... |
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 Collection Calls? |
| I'm getting collection calls from a credit card company and they are telling me time is running out, they are about to charge off, etc. The last call was somewhat rude and I think they are ... |
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 How to get a lower pay off ammount for credit card debt? |
| I've been having trouble paying for a few months because $5000 got stolen from me, I recently sold some land and I want to pay everything off but I owe quite a lot and I want to be able to pay ... |
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| My boyfriend is mad at me because I won't give him a credit card in my name? |
Ok, I have 4 credit cards that equal up to about 100 dollars a month in payments, because my credit limits are about 500 dollars each, with one exception being a 1,200 dollar one.
Well, I ... |
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 Do you have to use your credit card to increase your limit? |
| I am starting to build my credit. . I want to increase my credit limit, but i don't really use the card since I can only use in that store. . . What do they look for when requesting a increase?... |
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lilraceangel3 | I'm buying a home in 6 months and need to clean up my credit. What's the best way to pay off my debt? |
My debt is low, only about 3k, but it is spread out over 9 cards. Is it better to pay off the low balances first then work on the highes balance or the other way around? |
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unclejesse1
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Don't pay them off. Continue to pay as usual. Keep the balances below 50% and pay them on time and this will help your credit score more than paying them off. Honest. Do not close any accounts either. Lenders want a snapshot of what your payments look like. It looks like you do not have much debt so do not be too concerned about paying them off. Keep that money for a downpayment or to cover some closing costs. Also be thinking----do I own a lawnmower? Garden hose? Will I have money to buy furniture to fill my new house? You will also need to show 2 months of reserves in a bank account for your loan. You would be better to keep that money in the bank for that purpose. Again keep balances under 50%, save some $$ for downpayment or new items you don't own when you buy the house-shovels, humidifier, dehumidifier, paint, the list is endless. Good luck and if you want more ideas/options let me know. |
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alkem g
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any money going in is good,but always remember you can get a another plan to pay a small amount a month |
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dkwr14
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Pay off the cards that have the highest percentage of use. If you have a card that has a $1000 cradit limit and you have used $600 and a card that has a $200 limit and you have used $180 than you want to pay that one down and possibly off than work on the larger ones. The best thing to do it pay a few things completely off though. |
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Charlotte
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Paying as much extra as you can on all the cards is they way to go. I just bought a house, and 3k is nothing to worry about. However the interest is, so do with out eating out or anything you do that you can do with out, and pay as much as you can. Good luck. I personally got a second job to pay off my debt. |
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crazylink
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I think you should look at each card and see which ones have the highest percent ineterest rate, and take in cosideration the balance of each card.
Pay off the smallest balances. Get rid of some of your cards. |
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answermonkey
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Pay off the highest APRs first. Having paid off a low balance has only marginal improvement on the credit score. Paying off a high APR debt faster than expected is what banks like. |
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Frank Castle
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Forget about the balances girl!
You need to focus on the INTEREST RATES you are paying and start with the higher one and pay it off and then move to the second highest and so on...
Top 4 Answerer in Business & Finance. (Vote for me) |
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roberts1102
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I paid off my low balance cards first. Or, you can pay off the cards that have the higher interests rates first. Either way, once they are gone, it's such a relief. |
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cafe_blue_note
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pay the highs first then the lows, and get rid of them because mortgage look verry close at debt to income.
the more debt you have the harder it will be to get a loan. |
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neanderthal
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No do the high ones first because they will only get higher the longer you wait. Maybe you can consolidate all your debt and pay it off that way. But otherwise, definitely pay the high points first. |
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James H
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There is some useful advice here. |
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Speedy
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Since cleaning up your score is your top priority (not reducing your interest payments), you need to first pay down cards that are near their limit, regardless of the rate - having cards near the limit negatively affects your score. Since you only have six months, don't worry about paying them down to zero - just get them away from the limit.
After you've taken care of those, use whatever money is left over to eliminate the small balances. DO NOT close the accounts - any damage that was done by having them was done when they were opened, so it will NOT benefit you to close them right now, especially if you had any of them for a long time.
If you do the above, you'll have no cards that are maxed out (++++), and you'll have a high amount of available credit (+++). Just make sure you do all this as quickly as possible - the credit bureaus are sometimes a couple of months behind in updating your records. |
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