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Additional Details
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chittu kutty | I have credit card debt problem will it effect my credit scoring if i call debt solution people? |
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Justin
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not if you go to the right people, see this
http://debt-consolidation.50webs.org |
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Jo.
 |
Yes it will, your credit score will be reduced dramatically and you will find it hard to get credit for the next 5 years, however if you are in serious debt then maybe this can be seen as a good thing, as you wont be able to buy what you cant afford, use the old fashioned method of saving up for those really big purchases. It is the best way, you dont hear of people in the old days in debt like we are today! |
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ken_voss12345
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Just calling them won't hurt.
There are Consolidation firms who will pay it off for you then you pay them at a lower interest rate, however there are all kinds of sharks out there so you want to be careful who you choose to use. Using the right people will HELP immensely.
Below you will find some interesting reading on these matters if you want to get clued up:
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
cheers |
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Health Freak
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Your credit rating will be affected, the creditor may DEFAULT the account because you will not be keeping the terms of the contract, meaning that you will not be paying the minimum payment they ask of you. |
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Luckys Charm
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Yoyr score will be effected if you don pay on time |
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alatoruk
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if you call them - no
if you act on their "advice" - yes, and probably drastically
personally i would talk to the Citizens Advice people first. they can usually come up with a whole range of options that are better than destroying your credit history with an IVA, which still means you have to pay off a proportion of the debt. and if your house goes up in value during the 5 years (yes FIVE) and it probably will, you will probably have to re-mortgage and pay off a lot more. its not as simple as the adverts make oand you still have the same restrictions on what you can and cannot do that a bankrupt has. |
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petawawa007
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What state/province do you live in? CC problems are exceedingly common...you are in a big boat with many millions of other people. There are legit options for you, that should start with trying to arrange payments you can afford to the card issuer. Be honest and frank with them, be careful to keep your promises and don't run from this....that will make it much worse for you later.
Depending on where you live there are free credit counselling services run by government agencies. DO NOT PAY anyone to try to fix your credit. Remember, each time a credit grantor goes to check your rating, it lowers it, since it appears you are "credit seeking", and desperate. |
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Bunny Lebowski
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Yes, it'll put a dent in your scoring. But chances are that your score isn't so great in the first place if you have a problem. They can help you with a solution to get out of debt, and then it's up to you to rebuild and not mismanage once you're out of the red. |
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AngelWings
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Simply calling them for advice won't affect your credit scoring as they simply access your credit records to offer advise on your level of debts, they don't add anything into them. But I would contact the citizens advice bureau before contacting one of these firms. You have to remember these firms are run as businesses trying to sell you their debt solution products, they're not offering impartial advice so you might not get the best outcome. You might be better to declare yourself bankrupt if your debts are that bad rather than get involved in one of these huge loans (to pay off all your other debts). Good luck! |
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mustang_rws
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no |
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Almon G
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no it will not effect you credit. |
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Nitengale
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Yes if you go with a debt solution company it will but not as bad as if you don't make payments or claim bankruptcy. I had to claim bankruptcy because I had way to much debt thanks to my X. Becareful which company you use, check out what they are charging you to provide you this service. |
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Izetriyen
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Yes, some decrease in credit, however, it is a better solution to going bankrupt. |
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sing i
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I hope you get an answer from this:
Credit Score Myths Explained
http://www.debt-loan-refinance-mortgage-credit.com/category/Credit-Score-Myths-Explained.html |
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minesaphatone
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Yes, speak to CAB if you are having problems. CC companies and banks are been taken to task over unfare charges for late payments etc, it may be possible to get some of your charges refunde thus reducing the amount owed, there have been several court cases, CAB will advise and help. My advice, cut up your cards, u dont have you dont get. simple, the head of a major cc company said that only fools and idiotic morons use em, if you borrowed 5000 on one and made only the monthly minimum repayments it would take you over 100 years to repay.good luck |
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Lord Darkgoth Nitesabre
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NOOOO |
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