 What can i do to make my credit report better? |
| recently i lost my job and had financial troubles. eventually it led to a cell phone, and one credit card company refering me to a collection agency. now i know it will be on my report for 7 years, ... |
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 Please Answer!!!! Help!?!?!? |
| Wells-Fargo is threatening to garnish my wages concerning a credit card I haven't paid in awhile. I haven't had the money and they have threatened to garnish my wages. Can they do that???... |
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 Cant pay credit card debt? |
I used to live in the UK and moved to US 3 months ago.
My plans didnt work out well and Im bankrupt, I dont have any debts here and can afford just to live on my earning but Im in debth to ... |
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 Are there any good sites where I can check my credit? |
| I got different credit scores from 2 different sites, why is this? if anyone knows of any good sites post them here, I would appreciate it, thanks.... |
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 Is it better to negotiate charge off amounts with creditors or pay in full? |
| should i negotiate a discount? or pay in full? whats better for my credit report/ does it matteR?... |
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 I want to improve my credit but all my debt is at least 3 years old and all in collections. What to do? |
| My credit score is currently 570 and I want to improve it but because my debt is all in collections and they are all at least 3 years old I don't know what to do.... |
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 Credit card problems? |
| i tried to order something through Paypal (which i do all the time), but the transaction didn't go through and it said that my card was denied by my credit card issuer. I didn't cancel my ... |
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 Is there a way to get your money from someone who borrowed your credit card? |
| I let my friend use my credit card to charge something, he said he was going to pay it right back in a couple of days, or he could put the limit right back on my Visa with his Visa. But since I let ... |
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 I have a 1 year old debt, does credit get worse the longer I don't pay? |
| I'm currently 20 and about a year ago had to visit the hospital due to an ear problem. The bill is approx 2,500 and I have yet to pay it. I have no other form of credit history that I am aware ... |
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 Which is the best credit card to get?? |
| I dont know much about credit cards...help please. I have the student visa from bank of america but i want another one.... |
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 Credit card? |
| Is there any problem if we'll not pay the bill of credit card. Or, If we'll go for settlement, they keep the details as defaulter or, wht? plz advice....... |
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 Can I get a used car loan? |
| I just turned 18 last week. I have been driving a 1988 Ford Escort for a year and a half. I paid $500 for this car so I am not sure if it is even applicaple for a trade in. I think it is time to ... |
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 Do negative records really "disappear" from your credit report in 7 years? |
| I recently viewed my credit report, and a lot of negative/delinquent accounts and records are not on it. So is true what they say about negative items being deleted from one's report after 7 ... |
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 Personal loan 5,000? |
| I need a four thousand dollars to pya off my credit card debt becuase I am looking ot buy a house in three years and I would not have gotten rid of my credit car debt by then.... |
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 Would this hurt my credit? |
| I have perfect credit as of right now I always pay of my credit cards and on time. I got a the cell phone service Altell and didn't really like it to much, so i canceled after a few days, now i ... |
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lizette r | I have bad credit and a lot of bills and want to consolidate them. is this possible? |
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rockjock_2000
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It may be possible, but you'd need to see a financial counsellor to be able to do that (debt management...as stated before, go to a non profit). Before you do that, see if you can't reduce some of your debt on your own. I've used Dave Ramsey's snowball method of debt reduction. I'm paying the minimum payment on all but my smallest debt. I'm throwing everything extra I have toward that debt. Once I get that paid off, I'll be able to use the full payment from previous payment + minimum payment from next higher debt to pay off that balance, etc. Dave Ramsey has 2 books out, the Total Money Makeover and Financial Peace, both of which should be available at your local library. They're good, practical books that have several success stories and examples in them that may help to encourage you.
The one thing you need to remember right now with a lot of bills is that you can't run up any more debt. Work out a realistic living budget on the money you are making now. If you have to, get another job for the short term and use that money exclusively to pay off your debts. Yes, it's hard work; no, it's not fun and you won't be able to do things for the short term. But look at it this way: if you have to take another job for 6 months or a year to completely pay off or drastically pay down what debt you have now, how much easier will it be to live? How much more money will you have at the end of each month to live on? It may take years to do, but you can do it. Good luck with whatever you decide to do!!! |
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Steve D
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It is possible. Go to one of the non-profit credit counseling companies. They'll negotiate with your creditors on your behalf and they will arrange for a single monthly payment, which they will handle for you.
Do not get involved with any company that wants you to pay them a fee for this service. The non-profit companies in this business will not charge you a fee.
Here's a page that lists some possibilities... |
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papamoto22
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yes.. but you usually need to have at least 10,000 in debt before a company will consider you
they expect you to have bad credit if youre coming to them |
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Hima K
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Do not worry.
You can join a debt settlement company who will negotiate with your creditors on your behalf and reduce your principal debt by around 40%. You can make minimum monthly payments and get out of debt within 36 months depending on how much you can afford as monthly payment.
They will usually negotiate for either LESS or NO interest rates.
Check this debt settlement company who helped me out with the same unsecured debt situation.
http://www.debtfreeafterall.com
Good Luck |
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beauty s
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Try to get two jobs and pay smallest to biggest. |
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arley_vest
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Credit cards, leniency in debt payment, spending extravagantly and lavishly are some of the reason as to why the person is trapped in debts. It is rightly said that debts are just as a ‘cobweb’ that is easy to enter but very difficult to come out of it. But, this doesn’t imply that once the person is trapped in debts then he can never get rid of the debts. Fortunately, there is one such source available in the financial market which helps in dealing with debt problem and is known as debt consolidation loan.
http://www.freeadstb.com/debt_consolidation/ |
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gabriel jones
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Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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steven m
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Yes but not recommended, There are companies that will take all your debt, and let you pay back at a lower rate per month/week. but will charge you a much higher interest rate, so you will end up in debt longer, with much, much more to pay in the long run.
In the UK , speak to citizen advice bureau, There is help to write off some of this debt. In other countires, im not sure |
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wizardmansa
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What sort of bad credit? And what sort of bills? Do you have a home loan or mortgage? Some good financial advice speak to Chris The Mage at http://sa-property.blogspot.com, I think he's mail address is wizchris@gmail.com, tell him that Wizardman referred you, I know it sounds like morse code but he's brilliant trust me. |
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Wednesday
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i had really bad credit (and still do) and i consolidated with some company i forgot what their name is but it was actually pretty convenient they managed to scrunch all my bills into 222 a month. sucks tho cause then i lost my job and i didnt tell them and they dropped me cause i didnt make 3 payments in a row. and once you've consolidated once another company wont take you. sucks.
oh and i consolidated around 8,000 |
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sun s
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"Going for online debt consolidation is a good option, you need to take into account the fee charged by the debt consolidation companies.
When you gets into a debt trap it becomes difficult to get out of it. Taking more loans to repay the debts leads to more stress and financial crisis. Finally, there is no option but to adopt debt consolidation, which leads to a new llease of life. Many people receive abusive calls from debt collectors and are stressed. Hence opting for debt consolidation is the number one solution and helps to overcome abusive calls and be free from mental stress." |
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Rich W
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No...your screwed |
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