 I need a car loan, but my credit isnt good enough!? |
| Wells Fargo has the lowest interest rates, but my credit report sort of sucks because of my husband not paying his bills in the past(grr). Financers that dont care abut your credit report usually ... |
|
 I need to boost my credit? any good advice? |
| ill keep it simple i need a credit check to get a cellphone plan, i am 18 and i dont have a credit card but a very steady job and such blah blah blah, i dont know how much i have or need, but i ... |
|
 Is it possible to block a merchant from making further charges to my credit card? |
| I recently had a bad experience with a merchant concerning some charges they made to my card. Though I have resolved the issue with them, I would feel more comfortable if I could arrange it so that ... |
|
 Can I use my debit card to purchase stuff online? |
| I was given a debit card from my bank and I was told that I can use it as a credit card too. It looks exactly like a credit card, it's a Mastercard, it has 16 digit number and an expiration date ... |
|
 Payment to credit card company lost in the mail. What to do? |
| My credit card payment was due October 6; balance was $500. Minimum payment is $15. I use my credit card for EVERYTHING so I can earn points, but I pay off the balance in full each month. I always ... |
|
 What should i do plz help! Husband going to court? |
| My husband has charge card debt and has just got a court summons. We have been married for 2 yrs and all his credit card debt was from before we were married. I have a savings account with a large ... |
|
 What is the best bank to get an account with after being bankrupt? |
| i have just recieved my discharge papers after being bankrupt and need an account to set up direct debit etc help?????????... |
|
 I gave my parents my money and now they won't let me have it!? |
| I want to go to Germany with a friend. She has an apartment there, so it won't cost alot. I gave my parents a $7000 check to invest, but now they aren't giving me my money. They say it'... |
|
 Pre paid credit cards questions? |
| where do u buy them, can u use them anywhere, can u use them ... |
|
 I have a lot of credit cards. My question is If I close some of my credit cards does it lower my credit score? |
| I have a lot of credit cards. My question is If I close some of my credit cards does it lower my credit score?... |
|
 I cosigned for a car for my niece. she is always late. how can i get out of this situation? |
| She and I had a family falling out which mkaes it harder for me to contact her. I need some type of legal adice on what to do with this situation. How bad can this hurt my credit?... |
|
 How do I get a collection agency to stop pursuing me for money I shouldn't owe? |
| I refused to pay $430.00 to an apartment complex I moved out of because the charges were bogus. I did pay for other charges I thought I was responsible for, like new carpeting. I refused to pay for ... |
|
 Is this a good idea? |
| Should I take out a $100,000 loan to invest in the stock market?... |
|
 Can I still use my expired MasterCard? |
| My MasterCard is set to expire 07/06. If I don't receive my new card by July 1st, can I still use my expired card at any merchant that accepts MC until I receive my new card?... |
|
 Pay off car loan or credit card? |
| Just received my tax return and have a few extra thousand to either pay off my car loan or pay down my credit card. Seems like the easy answer would be to pay whichever has the highest interest rate -... |
|
 Is it right for Egg to do this to their credit card customers? |
Cancelling their credit cards to 161,000 people. Many whom claim they have excellent credit rating and repayments are in full monthly.
http://news.bbc.co.uk/1/... |
|
|  |
Princessd1010 | I have 15,000 in credit card debt and really need to do something to get out. Any suggestions? |
I cannot refi my house because of a Prepayment penalty. I spoke to my local bank about trying to get a personal loan but it will be at a 20% interest rate at a $500 a month payment for the next 5 years which is really too high to fit in my budget right now. I am thinking about Credit Counseling but I know it totally ruins your credit so I was trying to avoid but it looks like this might be my only option. Anyone ever been through one of these programs? Was it helpful? Any other suggestions? |
 |
 
louis
|
Don't borrow to pay off a debt. The first thing is quit charging.
pay cash and take a second job and put all of it on your debts and cancel them one at a time. But if you borrow and pay then you will just keep it up until you file bank ruptcy and ruin your credit. |
|
tennessee
 |
check out dave ramsey site. stop charging pay extra and get a partime extra job just for credit cards.
Live in your means/
Dave ramsey helped me a lot |
|
Iinvestor
|
It only ruins your credit for 5 years then you get a clean slate. It will give you a chance to pay more off your house!
Ask the bank to extend your credit card loan over a longer period to reduce monthly payments |
|
ron t
 |
When you are stuck in debt, consider all the available options. You will need to work closely with experts who will provide right guidance to clear off your debts. Credit counseling agency is one such set of experts, equipped to fight debt. |
|
ope i
|
When using the credit card, people ignore the consequences of using the card too often. Frequent use of credit card causes bills to be accumulated and worsens your credit score. Besides lowering your credit score, you also face financial burden since the interest charged is very high. |
|
stopccdebt
 |
A debt management plan would pull down an excellent credit score, but your score is likely below 650 based on the rate your bank offered. I don't believe there would be a negative impact in your situation. Either way, a qualified credit counselor would be able to review your credit report with you to determine the impact of such a plan.
Choosing the right credit counselor will make all the difference though. Some of the larger agencies may try to sell you on a plan without spending the time to make sure your needs are truly met. I recommend finding an agency that you can personally visit that has a good reputation and satisfactory rating with the Better Business Bureau. |
|
rowbee
|
my mom was alot deeper than that, and she consalitated and now she is really saving money, it used the be the interest that killed her. |
|
cutiepie81289
 |
you can try credit counseling it may help. when i was in that situation i kept transferring my high interest cards to new cards with 0%apr for the first year. |
|
sleep_chic
|
first......how much are you paying for minimum payments for all the debt? I'm guessing it is less than $500. When you go to one of those credit counseling places, you will still have to pay quite a bit, it may even be close to $500 because you have a set amount of time you will have to get that paid off in. As it stands, if you pay minumum payments with on all of your debt, you're probably looking at 20 years just to get them paid off. YIKES! So really, you have a few choices. FIRST: Pay minimum on all cards, except for one that you can get knocked off fairly quickly. Once that one card is knocked off, apply that payment plus whatever you were paying already, to another card. It's a snowball effect, and it starts slow but eventually will pay off. SECOND: You could go to that credit place.......but again the payments might be similar to $500 a month since you have a time limit you have to use for going through there. Best thing may be to go to one of those places and just ask........but i think it does ding your credit a bit. THIRD: get the loan, and get a 2nd job (maybe being a waitress). When you get the loan, you can get all those cards PAID OFF and it would be a huge burden lifted off your shoulders. You may have to bite the bullet! It is hard!!! Cut back on living expenses (easier said then done, i know). Be patient and weigh all the options. Maybe even better.....talk to someone that has financial wisdom and ask them what the best choice would be.....since they might be in your area and know what the circumstances around your issues would be. But keep in mind....you may be paying OVER 20% interest on all your cards,which may save you money with the loan! ALSO CUT UP YOUR CARDS! DO NOT cancel the accounts, just cut them up, and never use them! Once you are out of debt, get ONE card with a $500 limit for emergencies only. hope this helps! good luck |
|
bill a
|
You will just have to pay the prepayment penalty. |
|
Blicka
 |
Do a 0% balance transfer, freeze your credit cards (literally...in your freezer) and put as much of your money towards that credit card balance as you possibly can. Credit counseling may be a little ahead of the game...you may just want to read around on different financial sites that can help point you in the right direction. |
|
Poison
|
Stop charging the card! Also, take a second job or sell things on Ebay!
Pay off the card with the highest interest first! |
|
Richard D
|
Bankruptcy stays on your record for 10years, but doesn't keep from living and borrowing short term. It is more difficult to file now with the new laws. What you really need, is to learn and practice new spending habits. Without a change in life style, you keep going in the credit card circle. Credit counseling is a very tricky route as the industry is full of crooks who don't fix any thing and keep your money.
Some credit card companies will work with you if you call them directly and discuss your problem. Show them you have a plan and follow it. Refi with penalties may be the best depending on if you can handle the payment. You can always refi again a few years when your credit improves as you work out of the debt.
I can't stress enough, that you YOU need to change and break the spending habbit. Buy what you need and not what you want and be strong enough to know the difference. I have seen people use this to start over after $75000 in credit card debt in less than five years. Be realistic with your goals and income.
Good Luck.
PS Watch out for loan scam artists, If you need to send money to a foreign country or give out personal info with out checking source SCAM ALERT. |
|
kate
|
Refis ad other loans are just more LOAN ,
You need to PAY the CC , not get more loan.
Serious people who 'get it' , get a 2nd job and put everything towards paying off that debt.
As far as credit counseling , with $15K in debt , your credit is already bad (unless your income is in the ($100K+ range with no kids) . Your BAD credit is why the bank loan is 20% , they know, they saw your credit report , you are way over your ability to repay so they want 20%.
The best way to salvage your credit is to get that extra income and start putting at least $1K a month towards it.
Many people who get the counseling , improve their situation for awhile , then go right back to over spending because they NEVER really get it .
Do you actually understand where you have gotten yourself with the CC ? or not really , you are just tired of seeing the bills ? |
|
John N
|
Since most companies bill you for 2% of the balance or $20 whichever is greater, I'm assuming your payment is around $300 per month with an average interest rate of 8%.
The easiest method I can think of is to set a firm payment. In other words, if your payment is $300 this month, keep paying that. Even if you pay down and have only a $250 payment...continue to pay the 300. This will have your balance paid off by Feb. of 2012 versus just paying the minimum payment, which by the way always gets smaller...and having it take until December of 2028. (I can send you the excel sheet)
The second thing...find some extra money to apply. If you could find an extra $50 it would make a big difference. By paying $350, you would have it paid off by April 2011.
To recap:
Do what you doing = 2028
Pay $300 per month = 2012
Find another $50 to apply = 2011
Now the big question: Where do you find an extra $50 when the $300 is probably too tight for you? Right?
Contact me via email and I can send you some links to save on your:
Phone Bill
Cell Phone Bill
Internet
I can also show you some free business opportunities so you have no expense but potential to make a good second income. Last month, I made $600 with this and it looks like I will do it again this month.
I also have a link to credit cards with 0% interest if you qualify. The above $350 payment each month at 0% would have you free in August 2010. |
|
Cathy V
 |
You may need to consolidate your debts with a company that gives loans to people with bad credit. Check out http://mortgage.yeyeyup.com. Click on the "debt consolidation" link.Then apply. They may provide you with professional advice regarding all options that are available for free. |
|
Mr Chris Peters
|
Hello there, I am Mr chris peter.A legit loan lender.Are you into debts? Do you have a bad credit?Are you financialy down.I give out loans at low interest rate of 3 to 5%.I give out Business loan,Auto and personal loan to Men and women who are into Business transaction and who need it for personal reason.I give out long term loan for two to twelve years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I give is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem.Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now at cpc_consultant@yahoo.com.Fill this application below
Names:
Loan Amount Needed:
Telephone Number: |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
18 | 31 minutes(s) ago
| | | |
19 | 36 minutes(s) ago
| | | |
16 | 54 minutes(s) ago
| | | |
12 | 1 hour(s) ago
| | | |
18 | 4 hour(s) ago
| | | |
18 | 6 hour(s) ago
| | | |
18 | 8 hour(s) ago
| | | |
18 | 10 hour(s) ago
| | | |
18 | 1 day(s) ago
| | | |
18 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
