 Poor credit rating please help? |
im in urgent need of 8000 dollars, where would i be able to obtain a loan quickly and that would accept poor credit ratings?
Additional Details
i dont mind paying a higher interest rate, ... |
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 Do i qualify for the car i want? |
| i started a new job 6 months ago but have been with the company 2 years straight. i make 14.75 hr work full time, i am going to put 7,000 down and want to buy a 15,000 altima my credit right now is 61... |
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 Hows long does a judgement against me stay on my credit report after it has been paid off? |
| I didn't pay tuition for one semester and the school filed a judgement against me....I paid off this judgement one year ago but it still shows on my credit report...the amount was for $6,500 but ... |
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 Can a creditor call me or my parents over my boyfriend's truck payments? |
| I've had one collection agent who has called me multiple times about my boyfriend's truck and his location. I have told him that I chose not to get involved in the situation and will not ... |
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| Pre-paid Credit card? |
| Do you have to be a certain age to get a pre-paid credit card?... |
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 I have poor credit and need a new credit card. I have no money, so I need an unsecured card with no setup fee? |
Where can I find a card with a $500 credit limit who will accept me and not need anything to set up the account?
Thanks!
Additional Details
I'm not asking for opinions, I&... |
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 What kind of credit card should I get? |
I am 18 years old, (female), in august i'll be going to community college full time.
i just want a credit card to ESTABLISH credit, and make online purchases.
I don't want to ... |
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 I get strange phone calls from other states asking for people i dont know. and its involving credit/money...? |
| one call was from new mexico from some Ford credit place asking for a guy named george, the other was from nevada inquiring abotu some recent debit perchances on his "shazaam" debit card, ... |
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 Anyone ever use a credit repair company? |
Did you use creditrepairtoday.com or any other credit repair company? What was your experience? Was it worth it?
Additional Details
we have filed b/k and want to raise our scores for a ... |
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 Are the credit repair programs worthy ? |
| I have had a few people approach me about paying $250 for their credit repair service and it would help to increase my credit score....how does this service work?... |
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 Where Can I Get Unsecured Loan? |
I'm 27 years old, I have a poor credit story and for last two weeks I didn't work at all. To improve my status I need some money. Where can I borrow it from?
Thanks for your help!... |
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 We need to build credit? |
| My husband and I were turned down for an FHA loan - they said we would need a co-signer. They did tell us, however, that we should get a couple of credit cards to build credit. We have no current ... |
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 Im in debt! Help!? |
| Does anyone know where i can get a loan to pay off my debt so i will just have one payment? Noone will approve me for a loan because my credit is so bad but i can't pay it off all at once and ... |
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 SO hungry at work? |
and forget my entire wallet! No cash..no cards..no checks. Help.. how can I get food? any ideas?!!?
Additional Details
No I'm not new.. BUT I HATE asking people. I hate being that ... |
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 I cannot afford to pay my medical bills? |
| I have a 1900 medical bill. I can only afford 100/month to pay off. The medical company is telling me I have to pay a minimum of 200/month and pay it off in 6 months. The extra 100 will not allow ... |
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k | I am trying to pay what i can like $15 with a money order to a collection agency? is this better than nothing? |
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tahj.
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Yes, its always better then nothing.
I did that with one collection agency for an old cable bill, they told me i could only pay in full, but i chose to send them money oders of about $20 every week, or whenever i could, and they took it, they try to get all the money out of you at once, but honestly, they want thier money, they bought your account from the original credit company, so even if its a mear $20 or so, they will be happy that thier getting something, call them and tell them thats all you can afford, after you send a couple payments, they will work with you and things should smooth out,
hope everything goes good, sorry i didnt help. |
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Studly
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OK, lets be honest here.
I see some of the answers say you are making a reasonable effort to pay them back. That depends on what you owe.
If you owe $200, and all you can afford is $15 a month, that is BARELY reasonable. You are forcing the creditor to wait about a year to get paid back.
But lets say you owe $2000. Do you think they will wait 12 years? No, sorry. It's not reasonable, and they will certainly refuse your payment.
You need to come up with a payment plan that will not take more then 2-3 years to pay back. |
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Lou54321 M
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No. Stop paying. It will remain in your credit file for 5 to 7 years regardless. Just ignore the phone calls and throw the collection mail away. Get a po box and unlisted number.
A collection agency has nothing to do with your original debt. They buy your account. |
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TriDad
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yes, |
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Dolev
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Yes ! |
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ruth
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Depends on what type of collections and depends on what you are trying to do...
Trying to save your credit? $15 won't help you here, because the collection agency will report the entire debt as owing and will only update it once a year (if you're lucky).
Trying to avoid being sued? This $15 will save you from being sued, assuming you're broke anyway, the company will have to spend too much money to get a worthless judgment.
Assuming you get sued anyway, that $15 each month will help you in court. It makes you look like you are making a good faith effort to pay your debts, and it makes the collection agency look like a big meany. |
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johntadams3
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They'll keep after you until you pay off the whole bill. But at least sending them what you can will show them you're earnest. |
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brandy10006
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It is better than nothing, but what is the interest rate? You may just be throwing $15.00 out the window monthly. Lets be honest with ourselves, if you go to a lending institution and say I am paying $15.00 a month to handle that bad debt, do you believe they will be impressed? If anything, that would scare me as a lender. I would try to increase it to more, especially if there is interest.
Good Luck and Take Care |
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I love the flipflops
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yes you are making an effort, are they agreeable to this.... |
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