 I have been working on my credit score for the past few months trying to get the magic score of 630? |
| I paid everything that can be paid and I am so close to the goal but I don’t know what I can do next. I know time heals all wounds with credit scores but I hoping to get into a house this summer. <... |
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 What if false claim is made by collection agency against you to the credit bureau? |
| Hi. About 8 to 9 years back i used to live in an apartment complex. When i moved out of the apartment in 2001, i was told to make some payment about carpet damage to the management. The payment was ... |
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 Should I file for bankruptcy? |
| I'm 29, and my debt is under but probably close to 10K, much of it sent to collection. This debt includes student loans, credit cards, and my bank account balance, which was in the negative and ... |
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 How do i establish good credit? im 18 and dont have a credit card, bank account, car.....how do i start? |
I do have a job.....and im on my own now...in a few months i want to buy a car but dont know how i would do that without ANY credit.........???
Additional Details
so if not a credit ... |
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 How soon are defaults removed from your credit file/history? |
| How many years are defaults held against you for and when if ever are they removed from your credit history all together? T... |
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 Why do some people have multiple credit cards? |
Also,
Does having multiple credit card affect your credit score?
Is it better to stick with one credit card?... |
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 What is the best solution to repair your credit score? |
| I have a low credit score. do i need to hire someone to reapair it, and who? wanting to try and buy a house in less than a year and i want to have a decent credit score.... |
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 What does it means when your husband lend his credit card to his female senior engineer? |
| He lent his credit card to his senior engineer to forge his signature without his presence so as to sign his card to get discount just to help her save a little on petrol cost. That lady accepted and ... |
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 My boyfriend has bad credit, will his credit go up if I put him on a card with me? (It didnt ask for his SS#)? |
| His credit score is in the 500's. He called the company's to clear the late payments, will that help? and how long till we see numbers go up. We really want to get a house, my credit is 742,... |
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 I have credit card dept? Can my husband pay it off with his credit card? |
| I have capital One. I haven't paid it back for a while which is ruining my credit. My question is can my husband pay from his Washington Mutual credit card to pay my credit card debt?... |
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 How do you get a 125% Mortgage if in the past you have had poor credit? |
| i am looking to buy a house the house is £172000 and i need £18000 any idear.... |
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 What can people do with your credit card information? |
| like on ebay, should i use paypal? what are the risks of paying directly giving your credit card information?... |
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 Visa Credit Cards help? |
| I just recieved my first credit card. I opened up a checking account at EastWestBank and got a visa check card/debit and another credit card. I was wondering whats the difference between the visa ... |
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 Can they force me to pay for it? |
| I ordered a bed out of my catologue. When it came I didn't like the mattress, I didn't unwrap it just looked at it in the garage. I made 2 attempts to get it collected and the carriers didn&... |
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 Debt Collectors? |
| My credit card debt with bank of america has been bought by a collection agency, my question is can I go back to bank of america and settle with them instead the collection agency.... the debt is ... |
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 Bad credit marrying good credit? |
| I'm getting married next weekend. I have bad credit & my future husband has great credit. We have no joint accounts or debts. Every debt I have is solely in my name & every debt he ... |
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 I just got some mail and it stated that my credit score is 426 what is that? is it good, bad, average, what? |
| if its bad how can i get it back good again what do i need to do? casue alot of people say i dont have enough credit or none at all.... |
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Josh L | I can't afford to pay my credit card off. What can happen to me other than my credit being hit hard? |
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annie w
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Call the credit card company and try to make payment arrangements. They will work with you on this by reducing your monthly payment, 0% interest or lowering the interest and stopping late charge's. It will affect your credit. You wont go to jail, we no longer have debtor's prison. If you don't pay, you are looking at possibility of being sued. If they get the judgement, you are looking at court costs and legal fees added to the original amount. Depending on the state you live in they can put a lien on your home, garnish your bank account or garnish your paycheck--up to 25%. Try to work it out before it goes that far. Good Luck. *** |
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siamesedharma
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They can call you every day.
They can turn you over to a collection agency, and the agency will call you every day.
They can sue you and garnish your wages, if they win a judgment. |
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DAS
 |
Most of the answer below are correct in some form or fashion, except for going to jail. That won't happen. You should try to find a way to pay these accounts off, by all means talk to your creditor or find a company that will consolidate your bills. But, don't ignore or decide not to do anything at all, you will soon see that it is your worse nightmare. Never ending harassment, ridicule, debt, embarrassment, sorrow, high rates, no money etc. Just not worth it. |
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K P
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It's possible they could seize money from your bank accounts. If you have joint accounts, such as with a parent, even though your parent is the primary account holder (the one whose SS# is listed), they could seize that money also. They may also be able to have money taken from your pay check. All of this would require a court order, but those are not all that difficult to come by sometimes. If you have substantial other assets, they could possibly force a bankruptcy proceeding to have those assets liquidated. Mostly they are happy to keep adding penalties and interest hope that you keep making minimum payments. |
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First L
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Collections calls. Law suits. When your FICO score gets hit, it causes all sorts of things to go up like your insurance costs etc. Premiums are set by FICO scores now. |
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Grandma
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They can garnish your wages. |
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Scott K
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The creditor(s) can force you into bankruptcy and liquidate your assets at their discretion. They can also garnish your pay and your bank accounts if you have any. |
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StonewallBrigade
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You can't even pay the minimum at least? Why did you spend more than you can afford? |
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John B
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Nothing. Legally you can't go to jail for debt. The only thing you risk is having a low credit score which will make it hard for you to get loans and any other type of credit in the future. If you need help paying those bills check out http://surveys4cash.cjb.net it's a good way to earn some extra cash. |
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toppng
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you could go to jail for life |
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