 Doctor's bill from the past!? |
| I received a letter of demand from the on-call doctor for my hospital stay almost 4 years ago. I was admitted for chest pain and irregular heartbeat. I felt 'Doc Q' was incompetent: S... |
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 Is having 5-6 credit cards bad for your credit score? |
| I heard that having too many credit cards was bad for your credit. If I have 4 Store Credit Cards and 1 Visa Card and am planning to get another FINAL major credit card...is that too much?... |
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 Is it a wise decision to use student loans to pay off credit cards? |
| I have no undergraduate loans at all and want to pay off my credit cards instead. I hope to pay off the student loans I use to pay off my credit cards before I graduate since I know I won't be ... |
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 Can I get credit card in a small town of Karnataka? |
| I wanted to have a credit card to set up an online business. But being in a small town place, I found out that it is not possible to have a credit card. Can I get one? If no, then can I have credit ... |
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 Payday and no pay? |
| payday today but not got paid...work for private company and have young child and bills to pay direct debits due to come out my account today but no money in bank to pay them....dont have my payslip ... |
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 What happens if you lose your job when you have applied for a credit card? |
| i have applied for a credit card and i told them that i had just been hired. i was there 2 weeks and they ended my contract. do i have to tell them i am now earning less and can i still use the ... |
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 I have no credit!? |
| I have no credit at all! I have been applying for credit cards to try and build my credit up but none of them is giving me a chance. I would really like some credit! I couldn't even switch to a ... |
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 Could some please explain a little about establishing good credit? |
| I really don't understand credit scores --- I don't have a credit card or anything -- could some please explain a little about establishing good credit -- what's a good credit score ... |
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 Regarding credit cards and credit scores? |
| I have no credit and no job. I keep getting these "pre-approved" cards in the mail. I want to build credit so this is my strategy. Buy three cards A,B,C card A I buy 700 bucks is consumer ... |
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 What is a good website to get a payday loan? |
| I try to apply for one but it keep sending me to other loan pages.... |
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 I've got $60,000, what to do? |
| I've got $60,000~, I'm a sophmore in college, but not interested in academics at all and would like to pursue other interests. Is there something I could do with that $$$? Finance my own ... |
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 Question about credit card debt? |
Like many Americans these days I am having trouble paying my credit card debt.
The balance is $8,000 and I am having trouble making the monthly payments.
What is the best course ... |
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 Credit Card Advice? |
I'm 18 years old and beginning as a freshman in college in the fall..
Is there anyone out there that could recommend a hassle free good first credit card.
I just want to start ... |
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 Does it hurt my credit score to pay on my credit card more that 1 time every month? |
| I try to keep a zero balance. So, when I make a charge I pay it online usually the next day. Is this bad? Should I wait until the end of the month? --Thank You!... |
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 Is there a website I can go to see all my outstanding debt? |
| I think I did this once but I can't really remember. Is there a (safe) website where I can input my information and see how much I owe and to who? I think I have most of it taken care of already ... |
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 What is the best way to consolidate debt without using a line of credit? |
| I have only one negitive on my credit report, 90 day late payment on a student loan from 2003. The loan has been payed in full for over a year now. But, I am unable to get a line of credit to ... |
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 My cousin has been trying to get a credit card for the past few months, only to get rejected....? |
| She has no credit history, so its not bad credit nor is it good credit. What is the best way she can obtain a credit card, where can build on her credit? I remember when I was in college, they had ... |
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Eva H | I have bad credit what should i do? |
I have some medical bills that i cannot afford to pay...not even a minimum payment on most of them...but i would really like to build my credit...is there a more strategic way to pay them off? or build my credit? |
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the_mystryss
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The first step is collecting all your debts & bills in a pile and establishing to the penny what you owe. Then determine what the monthly minimum payments are for your debt as it is now. If there are any expenses you can cut out of your life now, do it. Stuff like cable, starbucks, and other luxuries should be put on hold until you get a handle on things. Contact each company individually and see if they'll lower pmts or lower the interest rate. If not, see if you can go to a credit union or bank and see if you can get a consolidation loan so you only have one payment at a lower rate. I know there are companies whose business it is to provide consolidation services, but try on your own first. If you do go to an outside source, research them carefully. The very worst case scenario is you declare bankruptcy and start over. They can't take you primary living residence and after 7 yrs, it's no longer on your credit record. Make that your last resort, however. The reality is that as long as you are late in your payments without doing something about it, the worse your credit will become - and continue to get worse. Continue to pay what you can on time and research the consolidation.
Good Luck! |
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hooked_ona_8SecondRide
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i had bad credit with medical bills too once, what i done, was call thier creditor (number on the invoice) and explained to them i couldnt afford thier minimum, and offered to cure the default with what little i could (25.00 monthly respectively) they accepted this, and i managed to get em down, and they never reported the new "below minimum" pay to the creditors. |
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girlwhoknowsitstrue
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See what you can scrape together, and one by each offer them a % of payment - in medical they may accept 50%.
then your bills are cut in half - and should be more manageable. |
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Rick B
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Call all of them and work out a payment plan and try to get your interest lowered or stopped.
Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.
You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership. If you
Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.
Go to the library and get "The Total Money Makeover". Read it and follow it carefully.
Go check out Dave's website as well.
www.daveramsey.com |
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azjohn2001
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At this point, even if you pay your medical bills the normal way now, the past due bill is still going to damage your credit. In fact, paying on a deliquent account like this will actually hurt your credit score!!! The reason for this is, negative items on your credit report are less damaging the older they get. When you pay on or pay off a derogatory item, it makes it appear newer, and your credit score will DROP!
If you REALLY want to raise your credit score in a hurry, save your money, and then see if the collection agency will agree to remove the negative item from your credit report in exchange for payment. Many creditors will agree to do this, as the just want your money. Make sure you get the agreement in writing before sending in payment!
If paying the medical bill is not possible, the only way to improve your credit score is to wait. Negative items fall off your credit report 7 years from the date you first became deliquent. As I said earlier, the older deliquent accounts are, the less damaging they are, so you may have to wait patiently before you qualify for a credit card. It's possible you may not have to wait the full 7 years before you can get a credit card. You could apply with Orchard Bank or Capital One - they have credit cards specifically for people with bad credit. When you get approved for a credit card, make sure to keep your balances low, and always pay on time. This will establish a positive tradeline, and help you improve your credit. |
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Mattman
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Here's one strategy.
If your percentage is 18%, owe about $3000.00.
Take the percentage devide in half. Multiply 3000 by 1.09. Devide by 12. That should be your monthly payments.
Your twelth payment should be as much. |
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Miki M
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Medical bills are worthy of special consideration. As long as you are making an effort to pay something each pay period what ever you can afford is good. The rest of your bills need to be paid on time. Revisit your budget and check to see if you can cut any corners. I know, I know. Things are tight and there is no money but check. If you have a bank account statement that comes to you: check it! You maybe surprised what is coming out or where the bulk of you money is being spend. Also the hospital has some organizations that will contribute to your account for the tax benefits for their own benefit. You can also check for people willing to contribute to your hospital bills. Including your job, friends, family. Good luck. |
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hottotrot1_usa
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Look, you keep asking the same question over and over. And you don't pay your bills. That's not the way life works. If you want to have good credit then you need to pay your bills. You need to take responsibility for your actions. |
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Jason
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I went with a debt settlement company that help me get rid of bad debt and lower the amount I had to pay. I improved my credit drastically in only a year. It was way worth it because now I can get a credit card or finance a new car if I want to. Here is the link if you want to check them out:
http://www.idealhelpnow.com |
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Paul Ding
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If you want to build your credit, you need to pay your bills.
In fact, you need to pay your bills ON TIME.
There's no shortcut. People who loan you money want to know they'll be paid back, on time, without any problems. If you have a history of doing that, you'll have a fine credit rating. If you can't pay your bills, you'll have a terrible credit rating.
Is that so hard to understand? |
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