 Is having a loan good or bad for your credit score? |
| I want to apply for a stafford loan because my grant isnt enough this year and they wont give me money for summer classes. Is getting a loan good or bad for credit. My parents are going to pay for it ... |
|
 BANK OF AMERICA SCREWED ME OVER - I NeeD HELPP!!!!!? |
| I have a checking and credit card with them. I set up my credit card payment to come out on the 10th this month online via bill pay, for some reason it came out on the second, and they are telling me ... |
|
 How does a credit increase on a credit card effect your credit? |
| im young and responsible i dont go credit card crazy. ive actually have never met my credit limit but was thinking about increasing the limit only if it would help me build a good credit score. ... |
|
 Question about credit card checks? |
| If I use a credit card check, does that count as a cash advance? Or, is it different by company?... |
|
 Can my capital one credit card do this?!?!?!? |
| My payment for Capital One was due yesterday on Friday.. I didn't get my check until yesterday.. so I put it in the bank and when I tried to go pay it today they had charged me a late fee!!! I ... |
|
 Im 18 years old. Do i have any chance getting a loan/mortgage? |
I need to get a loan for 270,000 for a house.
Additional Details
i can put down 20,000. My financial status, well the house will pay off itself. im pretty sure theres some way for an 18 ... |
|
 Store card debt...shall i put it on a credit card with 0% interest for 6 months..? |
| I have got a debt of £600 on a store card. Would it make more sense to transfer this to a credit card that has 0% on balance transfers and 0% interest for 6 months and pay it off via this instead of ... |
|
 Can you pay off a loan with a credit card on 0% for 13months? |
My brother would like to pay off an outstanding loan but the only way he could do this is by getting a credit card and using the credit to pay off the £2000 loan.
My sister told him you ... |
|
 Getting a loan to pay of credit cards right or wrong thing? |
| i have 4 credit cards which are up to the limit and an overdraft, i have been offered a loan to pay it all off £7500 over 5 yrs, the monthly repayments are just over £200 per month my minimum ... |
|
 How do i get a credit card or loan with bad credit?.? |
| I don;t own a house. need about five thousand dollars.. please list sites..... |
|
 Is there any point to making overpayments or extra payments on my car loan? |
| Or is it better to use any extra money toward unsecured credit card debt?... |
|
 I live in Pa and have a few hospital bills. Can they send them collections even though i'm payin them? |
| something even though its not what they require. Say they want 25.00 a mo. and i can only send 10.00. Can they do anything? I know once it goes to collections it ends up on your credit also. In ... |
|
|  |
thewaytomarket | I have a bad credit history what should I do? |
When I was 18 I took out a capitalone credit card and got 200 bucks instant cash and took it to memphis tennessee and blew it all at a hippy festival. Now I'm 27 and I have 20,000 dollars worth of school loans and about 5k worth of doctor bills and that same capital one bill is 1800 bucks and I don't get collection notices any more they have signed me off. I am interested in making a weekly payment on my own and building it up on my own. However I don't know where to get my Fico score to start, everyone wants a 13 dollar a month subscription and I can use that money to make a payment. I went to a credit counselor and they told me I need to get current info from all of my lenders before they help me come up with a debt repayment plan. I think I am not going to use them and I'm going to do it myself. I am going to have to pay about 120 bucks a month on my school loans I can probably pay another 100 bucks a month on my credit. Any advice would be greatly appreciated. websites too. |
 |
 
glenn t
 |
Everyone in USA is entitled to a one time free credit report per year----check on google for "free credit report" and they will give you the proper web site to call it up. You can only get it once per 12 months-----; however, Im not sure you really want to see it as it is going to be depressing. Do what the credit counselor said:: write each one of your creditors requesting their best plan they have to offer (how much per month) and if willing to reduce principal. After you get those in hand you will know where to start. In the meantime, sell everything that you dont absolutely need. Downsize on the car, sell jewelery etc and raise some cash. Good luck |
|
Jeffrey V
|
If you are able, make more than the minimum payments on
these debts, because if all you make are the minimum payments, between interest and penalties you will never, repeat never succeed in paying it off. Depending on the current state of your income, consider a chapter 13 filing to protect your assets, whatever they may be. If you have the ability(financial) the 13 will allow you to repay your debts at so much on the dollar, which will result in a substantial saving in terms of interest. There is also the protection of whatever property you may have. If your income is not adequate, consider a chapter 7 filing. This will remove everything but the student loan debts, and put you in a better position to repay those. The plus side is that you get a deduction for interest paid on student loans on your 1040 form. Make no mistake, I'm not by any means telling you to ignore your obligations. Its just that at your age you can rebuild a credit history fairly easily compared to someone in their 60's in the same situation. |
|
stephen l
|
Clean it up with credit repair. . Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact. |
|
hi91977
 |
http://www.equifax.com/fico-credit-score/ is a 1x payment for get your credit report with your fico score (the fico is what your paying for). if you know or feel that your your fico is bad, don't pay for it. just get your free credit report.
if you don't get collection notices, another collection agency will buy your debt at pennies to the dollar & contact you. you're best bet is to save your money as much as possible & make a 1x settlement. if you saved the money, you'll be surprised & how disperate they want to get paid. on one of my credit cards, i settled from $3000 to $700 with no form 1099 back in 2001. |
|
Patrick
|
If you want to do it right...you'll have to spend some money. First, you'll need to purchase a 3 in 1 report from www.myfico.com it is worth the money you'll spend because it will show your credit history and credit score from all three reporting agencies. Then look into a do it yourself credit repair company to learn more ways to clean up your credit. You could look at www.thecreditrepairmanual.com it is a low cost way to learn how to repair your credit. |
|
Kristi H
|
I got my credit report from freecreditreport.com, but I paid about $45 for the 3 part one (from the 3 bureaus). Each one had some different info, so it really helped. They then had me on a weekly credit check, where they make sure you know who checks your credit. After a year, you can renew it for about $10, but I decided not to do that.
Once you have your report, you'll know who you need to contact. I would think you should pay the one with the highest interest first. That, or the smallest balance...to get it out of the way.
Doctor bills come off of your report after 7 years, so you may want to check into that. If they are not off, contact the credit bureau to tell them the time limit is over. My hubby was stuck with some of them when he was divorced. Nine years later, he has decent credit.
When I got my report, one factor that made my score lower was the fact that I only had credit for about 9 years! I was 28, so how much more time did I need?! They say time heals all wounds, and in this case, it's true.
I have learned that I am not good with credit cards. I still have some, but they have a zero balance. I didn't want to close them out, in case of emergency.
Good luck! |
|
rajesh k
|
If you have a poor credit score, it is difficult to get a loan from most banks and financial institutions. Credit is usually available only at a very high interest rate.Only few companies provide loan with poor credit score.Check out link for details.
http://l4y.info/ |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 13 minutes(s) ago
| | | |
11 | 40 minutes(s) ago
| | | |
11 | 55 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
11 | 4 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
10 | 2 day(s) ago
| | | |
11 | 4 day(s) ago
| | | |
10 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
