 How do I build/repair my credit score? |
| I have very limited credit history. I started this January. I read that I have to get a few credit cards to build credit history. I have a secured card from Citibank which only has 200 credit limit. ... |
|
 Can my credit card used by another person ? |
Hi ..
I have a credit card, and I want to lend it to my sister. Can she use that credit card free ? I mean, normally I have to sign when I pay using the card, so is it OK if my sister use ... |
|
 Will i be found by debt collectors in other country? |
| Im moving a country for good, as my fiancee not from here.I dont know when i will get job in other country, but i have loan here and credit card.If i stop paid can they find me in other country.And ... |
|
 Do you think credit should be taught in junior high or highschool? |
| My parents did a great job raising me. They taught me so many things, but they failed in one area - teaching me ANYTHING about credit: how it works, how important it is, how to use it instead of ... |
|
 Can I pay my current credit card bill in advance so I'll be credited when my next bill comes.? |
| I just received my bill. I made a big purchase just after the current bill cycle ended so I don't see that purchase on there. I would like to pay extra on this current bill so I'll be ... |
|
 Credit card for bad credit.? |
| Im not sure how good/bad my credit is as im waiting for report, im fairly sure its quit bad though. What credit cards are the best for bad credit rating? Ive already been declined by capital one and ... |
|
 Can a 17 year old get a loan? |
with a cosigner with good credit?
or can my parents get a loan for 4 thousand and can it be transfered to me when i am 18?
i have 2 thousand already i have been saving ... |
|
 Do credit repair Co. really repair you credit by improving your credit score? |
| I was wondering if anyone who has been to these credit repair companies? If so, do they really repair your credit? Bye how much? How much did it cost? How long was the process? What's the ... |
|
 We are on 2 years ARM of house mortgage and want to refinace.? |
| Our 2 years ARM house loan is coming up on next July and we plan to refinance our house loan. We plan to get a loan thru wellsfargo. What should we do? Will we need to pay lots of penalty for our ... |
|
 Should I pay my credit cards in full or just the minimum?? |
| I've heard very different responses from many people and I don't know which one is true. My dad said to not constantly pay in full and others are telling me to pay in full every month. S... |
|
 I have a problem paying 1 credit card, please read on & help, if you've been thru it or know what's best |
| I have several credit cards & a loan. I've always paid my payments, perfectly. One card, however, is becoming very difficult. I guess it's the "fine print" kicking in. So I... |
|
 Does applying for too many credit cards hurt your credit score? |
| I have excellent credit and do not need any more cards, but some of the offers we receive in the mail look too good to pass up. Is it harmful to obtain them and then later cancel them, if you ... |
|
 How long does credit delinquency stay on record? |
| I had a late payment of 180 days (don't even ask) but now I'm making payments. So would that still pop up as a current delinquency if iI were to apply for something like a motorcycle. or ... |
|
| My mom is ruining my credit, what do I do? |
| A couple years ago, I didnt have any credit, and my mom added me to her credit card. She said it would only help it. Well what she was really doing was hiding the credit card from my dad under my ... |
|
 The attorney has sent me papers saying I have 15 days to agree to some form of payment? |
| The forms say they have file and have been granted judgement to garnish my pay checks. I met all of my deadlines to file my response to deny this credit card charges with the court and even asked for ... |
|
 I have another question.... what happens on your credit report when your car is stolen and...? |
| your insurance pays off the bank off... the bank sent me a letter saying congratulations, your loan is paid off and fulfilled, we will mail you the title, blah blah blah (in reality, the insurance ... |
|
 Under Career Tools, if you click on the Average Credit Score, the 3rd box recommends you use this product for? |
| This is the Yahoo Hotjob trivia. I couldn't find the answer, I click the Career Tools, but I didn't see Average Credit Score, so need help.... |
|
|  |
Steve W | I have credit card debt to 4 different banks. I can not afford any payment. Do you know how can do bankruptcy? |
|
 |
 
Not Laughing w/ U
 |
Bankruptcy for a small amount will cost you much more than it is worth in the long run because 1st you won't get any type of credit or any credit at a decent rate for a very long time and you need credit for things like a car or new computer, etc.
So, if you cannot make a payment at all this month then call the banks and tell them that you can't do it this month but that you will next month. If next month you cannot pay them all then choose atleast two and keep them in good standing.
There is a trick to this. Don't just throw up your hands and quit. Bad credit drops off your credit report in 7 years but a BK stays for 10. If you keep atleast two cards in good standing, choose the two that you have had the longest because you want to keep the history then you still have some good credit and when the negative things drop off you'll still have a good long history.
You never know what might happen over the next few months. You might get a great job and be able to catch things up and then you've only got a few over 30 or over 90 marks on your accounts. If not then it might happen in a year and you might call the collections companies and settle for 1/3 of the debt. Again this will be negative but not like a BK. |
|
Jude
 |
You want to try and avoid bankruptcy if at all possible. Try writing to all your creditors and seeing if they will accept a smaller amount per month; or a larger, one off payment to settle the debt. Many companies will be prepared to accept something, even if it is not everything you owe. You want to avoid consolidation loans, often they will be secured against your property.
Best thing would be to go to the citizen's advice bureau first, and see what they say. http://www.citizensadvice.org.uk/ |
|
dlauksa
 |
you have taken the first step by admitting you have a problem, the worst thing you can do is ignore debt ...... it does not go away. if your in the uk contact consumer credit counselling service free on 08001381111 or national debtline 08088084000 for free confidential advice, they will guide you through your options (you do have some) and support you through the process. if your outside the uk look in local telephone directories for free helplines. THEIR IS LIFE AFTER DEBT. GOOD LUCK. |
|
greyfoxx
|
Your first step ought to be to talk to the Citizens Advice Beareau [CAB] as they will be able to give you the best possible advice and they are FREE..
Also try looking on the money saving expert website [www.moneysavingexpert.com] to see what steps other people have taken.
From what i understand Bankruptcy will really screw your life up.The CAB must be your first step. |
|
ken_voss12345
|
Well, people in debt often seem to find some help here :
http://credit-cards.ebookorama.com
and here http://finance.ebookorama.com
also plenty more to read here
http://credit.ebookorama.com
http://credit-repair.ebookorama.com |
|
gimlit
 |
Go to the citizens advice bureau - they should be able to help you, bear in mind though that this is a very big step. You could stand to lose your house, car, any expensive goods, computer, TVs and such - as creditors will want a chance of some of their money back. You will also be black listed and not allowed a mortgage for a long time. Think before you act, this is no easy way out.
Best of luck matey |
|
Screaming Eagle
 |
You have to see a bankruptcy attorney. |
|
Delora Gloria
|
Talk to all your banks, and come clean. They may be able to put together a plan for you to pay off your debt over a longer period, or wait until you get a job. In any case, they can also advise you about bankruptcy. |
|
Mike
|
http://www.insolvencyhelpline.co.uk/
go here you'll find loads of helpful advice including bankruptcy if thats the way you want to go |
|
Claire-upon-Tyne
|
There are alternatives to Bankruptcy. Depending on where you live (england/Scotland) an IVA may be more appropriate. This is where you pay off what you can over 5 years and then the rest is wrirren off. It is less severe on your credit file. Call CCCS they are a charity and will go through everything with you they are great.
I am assuming that you have late payments and have been charged. You can claim these back off the companies and use them to help pay off the debt.
a great website is www.consumeractiongroup.co.uk & www.moneysavingexpert.com & www.cccs.co.uk
Good luck |
|
jen
|
Before you think about bankruptcy, look in to debt counseling, debt settlement programs. Sometimes you can actually work with the creditors to lower your payments, if you tell them you can't afford to pay it. Say there is no way you can pay what they want right now. But if all else fails, they can threaten to sue you and take you to court, which depending on your state, could lead to a judgement where they garnish your wages and freeze your bank account. So talk to a lawyer before it gets to that stage and if they call harassing you, tell them you are in the process of declaring bankruptcy. They are supposed to then stop contacting you at all and only deal with your lawyer. |
|
P*Kitty
|
go get a 2nd job if you already have 1 and cant afford your debt who do you think is supposed to pay your debt? bankruptcy is the cheaters way out |
|
Drag_The_Waters
|
How much total debt? You may be able to avoid bankruptcy if it is not a very large amount. Try consolidation first. Bankruptcy will kill your credit for at least 10 years. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 17 minutes(s) ago
| | | |
5 | 31 minutes(s) ago
| | | |
12 | 43 minutes(s) ago
| | | |
11 | 3 hour(s) ago
| | | |
13 | 7 hour(s) ago
| | | |
13 | 8 hour(s) ago
| | | |
13 | 2 day(s) ago
| | | |
14 | 2 week(s) ago
| | | |
13 | 2 month(s) ago
| | | |
11 | 3 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
