 What's a good first time credit card? |
| I'm 21 and have never wanted to get a credit card, now I realize it's important for aquiring a good credit score. What is a good card for a first time user?... |
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 Can a debt collector find you with....? |
can a debt collector find you with only your name, email and old address?
Additional Details
they have no other information on me. they dont have my phone number, ssn, none of my credit ... |
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 Credit Card Debt Help!!!? |
| Here's the story.. I had 5 credit cards that I have been paying off.There was one big one for 7000.00. I tried to work out a payment plan and the collection agency would not work with me. Now I ... |
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 How many months does it take to see an improvement in your credit score? |
| If you are paying on time, keeping credit card balances low, and not incurring any new debt? How long does it take these responsible actions to actually start causing an improvement and increase in ... |
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 Does getting your free credit report take off points? |
| When you get your one free credit report each year, does it take points off your credit or count against you in any way?... |
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 How much of a balance should I keep on my credit card? |
| I know that I should keep some balance on my credit card to help show that I can make regular payments. I really want my credit score to go up even more, so does anyone know what percentage of ... |
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 Maxing out a credit card for one month? |
| Does this do anything bad to your credit rating? If I max out a credit card (not going overlimit) but then pay half of it off the next month.... |
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 Cut up Credit Cards? |
| Do businesses really cut up maxed out cards? Or is that just a myth?... |
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 Is mastercard and american express accepted everwhere? |
| I know visa is universally accepted i wondered if those two are worth ... |
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 Bad Credit........how can I repair it fast? |
| Went thru a bad divorce 4 years ago and have never been able to recover. I'm tired of the apartment life but my credit sucks, so renting a house is very difficult. Any suggestions to help me ... |
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 Has anyone ever used a debt settlement company and if so, what was your experience? |
| I'm not talking about credit counseling, I'm talking about the firms that go to your creditors and offer to settle the debt for a small percentage of the total owed. If you have, tell me ... |
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 What is the Cheapest way to improve a credit score by 90 points by the end of the year? |
Preferably without getting in more .debt
Additional Details
I have a 610, with no latefee's or bad marks on my score.
I just have a high debt to available ratio. - 70%... |
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 How to use credit card? i am not sure.? |
hi there.
i just bought a desktop computer by my credit card.
now i have the computer. but i am not sure that how the payment happened? i just gave the credit card number which can be done ... |
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 Exceed credit limit on a credit card by a lot? |
| This is going to sound weird... but... lets say your credit card had a limit of, say, $3k, and you went $15k over that limit. I'm not talking about spending $15k on one purchase. I'm ... |
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Myah | I have huge debt, need help, $38,000 in credit card debt and we are a negative $400.00 per month,? |
We are in our late 50's have 2 mortgages and all this credit card debt, we were just making it and then my husband had 2 colon cancer surgeries in 6 months, I am afraid of debt reduction because I have heard bad things, and debt counseling would save some, but it all seems so hopeless, creditors are calling me at work and I have a job that would be in trouble if we declared bankrupcy, just let me know I am not alone and give me some honest and good advice..blessings |
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Robert C
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you need more help than a good answer. you need money. i would have suggested a refi loan on your house but you already have 2 mortgages so that probably won't work. sounds like bankruptcy to me. i know it might get you in trouble at work but if you're already $400 in the hole every month, you'd be better off making nothing. it's not so bad. |
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Navy Sailor - GAI
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At your age you have to have tons of stuff that you can sell to start paying off bills. Selling STUFF is just stuff. Being homeless or worse if anything happens to your husband is a lot worse than keeping the stuff. Go to www.craigslist.com. Find the one in your city and start listing stuff to sell with a great write up and digital picture to go with it. Sell enought stuff to get the back due debt paid off and then start knocking out your other existing debt. Stop using the credit cards no matter what. If you have children ask them for help. Put pride aside and get the help you need before you are really really screwed. Craigslist is free and easy to sell stuff with. Much easier than a garage sale and you get way more money. Good luck. Also buy a Suze Orman book to help out your spending issues and other financial stuff. |
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iahp_mom
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Call a debt councelor at http://www.christiandebtmanagement.org
We did 8 years ago and it saved us financially. they will get you some credit reduction, some consolidation and intrest reductions. Very Very helpful and easy to do. You are not alone. You can do this.
Blessings to you. |
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Chane
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I don't understand why your job would be in trouble, but if there is anyway possible, I would highly suggest filing bankruptcy. I was in a similar situation and I filed bankruptcy 2 years ago. I know have excellent credit and have been able to get every loan I've applied for.
I'm much happier and don't have to worry about it anymore. I've made a new beginning and now I help people with their finances and credit. |
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pcwannabe
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Read the Total Money Makeover by Dave Ramsey. And to save on money - borrow it from the local library. Yahoo answers is a good tool for simple questions - but I think you need a proven tool for debt reduction. Get gazelle intense! (It will make more sense once you read the book) |
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Ra
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Move to somewhere where there are cheap meds. (aka. Canada) and once your husband is out of his medical problems, move to somewhere where the creditors won't dare try to follow you. (aka. North Korea.) This worked for a friend of a friend of mine. |
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lizzy p
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i had a similar problem too,not until i meet this private lender.i got my loan within one week,and it is with a very low interest rate,try it today.contact ms elizabeth poll,via the address elizabeth_poll00@yahoo.com,or call 2348075770115.and you would be glad you did. |
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shannon
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Hi, I don't see your annual income on here. But i'm guessing you ARE NOT bankrupt. don't do it. You can get out of this.
Dave Ramsey.com CHECK IT OUT it will save your life.
I'm working the problem now and just looking at your finacials that you have posted I can offer this... Number 1. You need to increase your income. Work extra jobs. SELL stuff. Do anything to generate income. Change your life style. No more eating out. GET on a BUDGET. Keep your lights on..food on the table and roof over your head.
Get current on your bills. If you cannot. Gather up some money anyway you can and call this companies and offer them settlement money.
Dave ramsey suggests only talking to them once every two weeks. Make sure they stay polite or they can talk to a dial tone.
MY yahoo is scanky_butt feel free to IM me about anything. |
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