 Old Debt collection? |
| I received a letter from a debt collector about an old debt... from about 1999-2000. I believe it should be dropped from my credit report by now but the letter says they have just purchased the debt ... |
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| Please help has anybody else had trouble from world books the book club i got loads of problems from them? |
| they have not honoured the agreement to me and now are telling me that i have not done and put my account to a debt collection agency saying i owe them money which i do not what can i do this will ... |
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 Should i forge my mom's signature for a credit payment? |
i need to fill out a contract and it requires a signature.
Its a housing contract and i need to pay over 200 dollars, i need to send this out today before a certain time but my mom is in a ... |
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 What should my cousin tell the collection agency? |
| My cousins mom passed away about two years ago, her estate didn't even cover all of the funeral and burial expenses. Now some company DCM Services, specializing in deceased collections wants the ... |
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 My first credit card...need help claculating payments? |
| ok ive asked a majority of people this issue. i owe 600 dollars on my credit card i want to pay 100 dollars a month on it til its paid off. my credit card rate is 19%. some people say if u pay 100 ... |
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 Does having a credit card help your credit rating? |
| Even if it's the Barclaycard 40%apr job or one of these Vanquis cards. If i just put one tank of fuel on it every month and paid it off without accumulating any interest would it repair my ... |
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 Is this true that if you don't make any payments for 2 years ...? |
I once heard something to the effect that if you owe a credit card and have not made any payments for two solid years, they cannot come after you for the debt, is that true?
Thanks for ... |
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 Should I except offer? |
tax credit office has hounded me for three years for a overpayment £3000.00 which I always stated i did not receive
I have had court notices sent 3 times
yesterday they sent me a letter ... |
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 I need a car, but have bad credit? |
| My credit is not great because I just left school, so I have a lot of open loans. I really need to get a car. I have a perfect driving record and a steady job, and I can afford monthly payments. Is ... |
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 What is the best credit card? |
| I have $2400 on a 0APR credit card that is about to change to 9.99% Should I pay it off (My money market is now paying 1.64%) or find a balance transfer card? What I have found is 0APR for 12 months, ... |
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 Which is worse,a bad credit history, or a bancruptcy with perfect credit since? |
| Which produces a better credit score more quickly, a history of bad credit, with everything being paid on time in the last year, or filing bancruptcy to eliminate past bad entries, and then re-... |
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| I am owed money by a company they are saying they are not paying me as they have not been paid what can i do ? |
| i tiled some flats for them i did supply materials they have had my inv for 2/3 month now i know they have not paid 5 or 6 other ... |
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 Can you get cashback on a credit card? |
OK so money is REALLY low right now, and I had a thought of going into a shop and buying some random thing so I can get cashback from it.
But.... there is basically sod all in my current ... |
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 Debit card statement says I spent £53.43 at the Co-Op. No idea what on. How 2 find out what I spent money on? |
| I want to find out what it is I spent that money on because I have no recolection. It was the 6th Nov. I Know that on that day or near that day I bought hair bands paying by card in Claires A... |
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 My gf wants 500-750 for credit card bill. I offer 200. She does hang up phone when i offer that low.? |
| She is like i need you to support me. That is not very much. I possibly talked about borrowing 750, SHe also wants to borrow my computer to get her busienss goin.... |
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 Jail time for payday loan in CALIFORNIA and now live in AZ? Help!!? |
| We just got a call today threatning my husband with a warrant for jail time for a payday loan taken out in California 4 years ago! We now live in AZ. We are just now getting over having serious ... |
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 Over the last 9 years I have managed to rack up substantial unsecured credit card debt. I do not have any? |
| assets, other than the $5000 of equity of my house. If I just stop paying my credit cards, and wait out the statue of limitations, will the debt go away, regarding the credit cards? I live in the S... |
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LaQuita J | I am very frustrated, I cannot purchase a home because of my credit scores.? |
My credit score is in the low 500s. Everybody is telling me I have to have a 620 before they will even consider me for a loan to purchase a house. I pulled my credit report and I have starting paying off the negative accounts on my credit report. This includes:medical bills, credit cards, other accounts. I have been successful, I have only been working on this for the last two months and I have already raised my credit score 60 points. Someone help me. I want a house. |
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electricbarb27
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With a score that low, you can get a loan, but the interest rate will not be worth it at all, and the morgage will be extremely high. The loan company might also make you take out mortgage insurance, which is an extra bill that you will not get any tax benefit from, its just for the lender to be protected if you default on your payments.
You're on the right track, once all your bills are paid you'll need to re-establish credit over a period of at least 2 years and keep your balances on revolving accounts 50% lower than the limit of your cards to maintain a high score.
You might have to wait 2 years, but the type of loan you get will be well worth the efforts made. |
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twv706
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You can get a home mortgage loan with a credit score as low as 500 with some lenders, but the lower your credit score is, the higher down payment you will need and higher interest rate you will pay. If your credit score is 620 or above, you can get a conventional and conforming mortgage loan with fair interest rates and low down payment. Just be patient and you will be better off in the long run. Good Luck. |
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Byron W
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Maybe the simple answer is you shouldn't get a house just yet. Another year of doing the good work you're doing now with your credit report and you will be okay. |
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mamanana9
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try going thru FHA or rural housing developement.long as your paying on the bills and it shows some paid off fha is easier to deal with.we are in a similar situation and they told us to pay off 3 more of the bills on report and fha says they will finance.good luck and dont get discouraged.remember if its worth waiting on and fighting for then in the end it will mean so much more.good luck |
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SPIFIMAN1
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There are lenders out there that will give you a loan.
But, they are whats called sub-prime and the interest rates will be high and there may be additional fees involved.
I would suggest you keep doing what you are doing and wait a couple of years. Your score should have recovered by then and it will save you thousands in interest and fees. |
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beauty s
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just wait and save your money and when the time is right get a house.. it will take time for your credit to improve and just pay your bills on time and u should be fine |
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Herbert C
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You might be able to get an FHA loan if your in the US
http://www.fha.gov/ |
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mtcfog
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Start with the free reports it is amazing what you can find and how easy it is to clean up a lot of stupid little issues on your credit here is the link I do this every year for free you can do it more often but you have to pay and I think obsessing about it is not to healthy so get the report be ready the report can be 50, 60 or more pages long so you might want to save them in Word instead of printing them but you get to go back as many times as you want in 30 days so save it first and if you decide you want to print you can go back look at everything there are a lot of issues some you can dispute other you call the company and they will fix it and sometimes you cant get it removed but the company will send you a letter explaining the situation and every time you apply you show them the letter and they will ignore the rating all together |
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OC1999
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You are already doing the best you can do. Taking care of your past due accounts is going to help you the most. As you continue to pay them off your score will rise over time. The thing about credit scores is they will drop like a rock if you have any past due accounts, but it takes a long time to recover.
Once you get them paid off, apply for a secured card and use it responsibly by paying on time. This will start to show current positive history which will help.
While a lot won't consider under 620, there are several sub-prime lenders that will. But down at those levels the interest rates are very high and they usually have additonal down payment requirements as well as additional fees. |
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