 How do I find out my credit score for free? |
| I've gone to a bunch of sites that promise free scores, but then i find out that it's only after you sign up for a paid service! Any credit report websites that are legitimate and actually ... |
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 What if I dont go to court for a credit card that i was served papers? |
for to pay back?
Additional Details
I dont own anything for them to take.. Really I was wondering if i could be arrested?... |
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 How can i find a list of payday loan places in my city? |
| i typed in payday loans and not many listings come up. is payday loans the correct term??... |
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 Can you pay off a car loan with your credit card? |
YES, I KNOW THE HORRIBLE EVILS OF CREDIT CARDS!
Okay. Right now I have a 10 year car loan and I owe $30,000 on and we pay almost 10% interest on. I have enough credit to put my entire ... |
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 Im in a debt management plan but have just phoned up...? |
and they said when i first started with them i owned £6,500 or just under, i have now been with them for 2 years and i just spoken to them on the phone and they said i now owe just over £5000...
... |
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 Bank Loan matters? |
| If i stood as a guaranter for a known person who has taken loan from icici bank for a vehicle over 5 lakh. Will there be any problem for me if that person is not been able to repay the amount to the ... |
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 How can I build good credit? |
I have been turned down back after back on credit cards and loans because I don't have any credit. I don't know anyone with good standing to co-sign for me.
I have recently ... |
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 How do I rebuild my credit? |
| IN 2006 I HAD ABOUT 7 CREDIT CARDS (INCLUDING 1 STORE CARD). NEEDLESS TO SAY ALL OF THEM HAVE BEEN SENT TO COLLECTIONS/CHARGED OFF. HOW DO I RESTORE MY CREDIT?... |
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 Cutting credit card? |
Hi all,
please tell exactly how to cut and deface a credit card with scissors as i want to cancel mine. SHould I sent the cut pieces of card to credit card company??
regards,
... |
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 What is the best credit card? |
| what is the best credit card for starting a small ... |
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 Can a credit company claim repayment if they have not been in contact for 9 1/2 years? |
| a collection agency has suddenly out of the blue requested payment for a credit card from 9 1/2 years ago when the company themselves haven't been in contact requesting payment. can this happen ... |
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| What is the best student credit card? |
| I have no credit card and this will be my first, so which one is best. There are so many to choose from with different rates and rewards but I want to know which is the best overall and also in terms ... |
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| Are credit cards allowed to increase your APR if you pay ON TIME with them but LATE to other cards? |
| I heard that most credit card companies increase your APR even if you pay on time! What they do is they check your car payments and other cards, and if they see that you are late with OTHER cards, ... |
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 Whats the best credit card? |
| I'm about to be a college student and I'm looking to start establishing good credit for myself. I have never opened a credit card before and i want to get the best one possible for a ... |
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 I need a loan and I have very bad credit with no co signer is there hope? |
| I have a credit score of 573 but i need a loan to get a new car because mine is almost dead is there hope for me? and if there is where can i go?... |
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 How many credit cards do you have? |
| I have only 1, but I think more than 2 is too ... |
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texasgirl | I need credit advice. i stopped paying some of my bills and have ruined my credit. how do i repair it? |
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kam
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Start paying something on the ones that you have not been paying. Call the companies and work something out, but you need to keep up with what you promise them.
Good Luck. |
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douglas l
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Only time and a solid track record of timely payments will resolve your credit. If you're thining of using a "credit repair firm" think twice. These are rip offs. There is nothing they do which you cannot do yourself. Accept the screw up and know that within 18 months your credit will improve drastically so long as you make payments on time and do not open any new credit. |
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Faye H
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Start paying the bills. That is about the only thing that is going to repair it.
Find out what you owe and make arrangements to pay them. |
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seweccentric
 |
Consolidate with a program if you can - they can usually reduce/eliminate interest (though the accounts enrolled will be closed). Otherwise, start with one - pay what you can until it's done, then pick another.
Most places will place your account with a collection agency (enforcement varies by state) - many of them will send you settlement offers to take advantage of, usually just on the account principle without fees. |
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Barry
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The only way to repair your credit rating is start paying your bills on time each and every month.
Should you run into problems down the road, pick up the phone and let the creditor know what is going on. Follow the phone call with a letter to the credit manager of the company. Never ignore your bills. |
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beauty s
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start paying your bills and then your credit will be better.. |
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mey t
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1) Ask for credit reports from the bureaus.
2) Look out for any errors in it.
3) Prepare a Credit Dispute Log recording the details of problems and errors.
4) Contact telephonically the original debtors with whom you are having a dispute. Record the details of the call, especially the name of the person with whom you spoke and a brief overview of the agreements.
5) Send the certified letter to the original debtor.
6) Send letters to collectors, disputing the bill. Also, send the proof of payment to the original lender.
7) Fill out the dispute form available at the credit bureau.
8) Write a letter for each disagreed item separately and send it to the credit bureau by certified mail. Attach the proof to support your claim.
9) The bureau will provide you a reference number. Call up the bureau with this reference number and find out the progress of the matter.
10) Maintain a Credit File containing detailed records of your case. |
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kate
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You need to visit a legit debt counselor because many of the bills probably have super high late fees and overdue % charges.
The counselor may get them closer to the original debt.
Get a 2nd job and pay off all the counselor gets the amount down to.
Good Luck,
The 2nd job will only be temporary , unless you get addicted to the extra $$$$$$$$$$ . |
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$m¤¤v¥ £¤¢¤
|
The first thing that I would do, is not get into anymore debt than you already are.
Secondly, I would get a copy of your credit report here http://www.annualcreditreport.com and see who and how much you owe. Then I would contact the creditors individually to set up arrangements on making payments.
Try to negotiate- see if they would agree to a "payment for deletion". It's a amount paid off to the creditor that in turn they will remove it from your report. The creditor may or may not do this, but if they're willing to do it, make sure that you get it in writing on their company letterhead before you send them a dime.
Thirdly, check these guys out. http://prbc.com/default.php?
If you still are paying some of your monthly bills on time, you can still have this reported as good credit, especially items like rent, utilities, cellphone, insurance, etc. that doesn't show on your regular credit report. The report is scored in a BPS or bill payment score that can be considered along with your regular reports. They've also partnered with a checkfree web, an online billpay service that automatically reports payments made through them, which I would strongly suggest that you pay ALL of your bills through. |
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