 Does requesting a copy of your credit score, lower your credit score? |
| I've heard that if you request a copy of your credit score from one of the Main credit bureaus, it will actually reduce your credit score. Does anyone know if that is true or not? If so, how ... |
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 Low and non-existent Credit? |
How can I get a charge card when I don't have any credit and my husband's is moderate - upper 500's ... NO ONE will give us a credit card.
We really want to establish some ... |
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 Credit card? |
i never have a credit card before, and now i kind of need one because there are lot of tings that i can only buy it online.
So, please explain to me how it's works...
# if i pay ... |
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 How do people get credit i have just left school 18yrs old.i have never had any credit as i was to young? |
I wish to join the forces i can die for my country, but can`t buy a car or get a credit card if i wanted one.all becuose i have not got a credit rating . again how do you get one
any ... |
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 How can i improve my credit? |
| I'm paying off credit cards and seems not to work much. I want to pay the little debts from my file and work myself up to the bigger debts.is having thos credit cards that have a monthly fee to ... |
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| I have $100,000 credit card debt, what is my best option? |
| I owe $100,000 on 3 credit cards. My minimum payments total a little over $2000 per month. I am not behind on payments yet. I am only getting charged an average of 9% APR right now. If i miss any ... |
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 Is it true that "piggybacking" will be no more, as of next month? |
I have a fico of around 620. My dad has agreed to add me to some of his accounts to "piggyback" (is that the term for it)?
Additional Details
Piggybacking is what I've ... |
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 I want to know can you get visa check card with bad credit? |
| without being member at a bank.thank you everyone who anwer this question and only legimtae secure sites no scam ... |
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 Cant get approved for a credit card!? |
Ok, im 18-
and looking to get some credit here.
I will pay on the card, the TOTAL balance, every month. I mean
im just gong to put gas on it .. or food, ya know. Well anyways.
... |
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| Debt Consolidation...? |
| Does anyone have any advice on debt consolidation? I want to learn everything I can about it before I take the leap to do it, what are the best companies, pros and cons...stuff like that. I haven�... |
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 Can a visa gift card.........? |
| can you use a visa gift card to book a hotel?... |
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 If I lied about my age and recieved a credit card when I was 16 am i responsible for paying them? |
| I applied for 2 credit cards in my name when I was 16 and of course I didnt realiize what a pain it is to pay on credit cards. I had a bank of america and Dell credit card. I used it for college but ... |
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 Is borrower slave to the lender like the Bible says? |
Additional Details
If anyone figures out what Duane is talking about, let me know.... |
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 If someone knows they're going to die, what's wrong with them charging up their credit cards...? |
and then giving everything away to people they love, with no intent of paying back the greedy credit card companies?
Additional Details
I should have clarified--I don't believe in G... |
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 So how do I get a credit card ? (read details)? |
I applied for a Visa Credit card... It was declined...
The reason given to me was that I don't have credit. (not that I have bad credit, I basically have no credit rating, thats why I ... |
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PNUT | I have alot of credit card debt. What is better debt consolidation or debt negotiation? |
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RoJaMitchell
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well if you consolidate your loan you would be refinancing the loan, you would be set up tp payoff the loan in 10 or more years and it would be like taking out a new loan. loan negotiation would be just to set up an amount to pay each month until the loan is completely paid, but it would be only if you wanted to increase the payments not to increase the time frame to pay it.
if you consolidate you have more time to payoff the loan, but you will also be paying more on interest.
if you negotiate you loan you will have higher monthly payments but you will payoff the loan faster. |
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lzc5wh
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There is a great place to go with this. I was in a very similar situation.
This is getting help from real people without the use of banks or credit card companies. Good Luck!
http://www.prosper.com/join/lzc5wh |
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beauty s
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call each one up and make a payment plan or settle for less |
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brady ewart
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If a person has accumulated a large amount of credit card debt due to multiple credit cards, the need for a proper counseling for credit card debt consolidation can't be understated. Credit card debt consolidation counseling helps a person get vital insights into the facts that can help him get control over the credit card debt.
Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.
A person seeking credit counseling can get it from two types of organizations. The professional or commercial organizations, and the non-profit organizations. As depicted by its name or categorization, the commercial organizations charge money for their credit counseling sessions and consolidation help on the other hand the non-profit organizations offer free of charge services. Just because the non-profit organizations are free, it doesn't undermine their quality of service. The persons associated with such organizations are thorough experts and have lived the trauma of being under credit card debt themselves and hence bring their vital experience to the credit card holder.
When a person approaches a credit counseling agency, the first thing it will do is to take stock of the situation and get various facts about the credit card debt. The credit counseling agency collects data about the income, expenditure and spending habits. It will guide the credit card holder about budgeting benefits and try to inculcate good financial habits. Read more from: http://www.credit-card-gallery.com/article/353,Credit_card_debt_consolidation_and_credit_counseling_great_tools_to_get_rid_of_credit_card_debt |
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Jeff C
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It's like asking what's better : an apple or an orange?
Debt consolidation means you'll pay back all your debts. You need some asset (usually a house) against which to borrow the money which will then be applied to the individual card debt. You then make one monthly payment. This is generally the best solution as it lowers the interest rate and it's easy to budget around. However, it runs the risk that you'll run those credit cards back up and now you have twice the debt (the consolidation loan plus the new credit card charges.) And you obviously need some sizeable asset against which to get the debt consolidation loan. That asset will now have a lien against it.
Debt Negotiation can lower your overall debt load and it can lower your monthly payments. However, it leaves a black mark on your credit history almost as if you'd filed bankruptcy. In my opinion, anyone considering this should seriously consider biting the bullet and filing bankruptcy as the court is then effectively your "debt negotiator" but they are more fair towards you, have no self-interest and a LOT more power than a debt negotiator.
Jeff |
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biskio
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Credit card debt consolidation adds up all your unpaid balances and converts them into a single payment. This payment is far lesser than each of the individual payments. When you finalize a plan with a debt consolidation company, the company repays your dues to your creditors. Then you make a single payment to the consolidation company every month. Your average new interest rate is much below the old interest rate. |
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Letty
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I work for a credit card company and is allways best to go for the debt consolidation program,if u do negotiation u be getting ur self in more debt |
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