 If you have a credit card and are making more than the minimum payments, does it hurt your credit score? |
| I believe that if you charge your card and make more than the required monthly payments that it would hurt your credit score somewhat the same as if you were to not make a payment at all.... |
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 Credit rating - how is it linked to the individual? |
A friend and myself were discussing this the other day, basically because my credit rating sucks as I rinsed overdrafts and credit cards whilst at Uni.
I'm moving house soon, and we don... |
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 Bill Collectors!!!? |
| If i have a credit card about to go to an outside collection agency. Is it true that as long as I pay some money on it (even if its not the min payment they want) that they cant turn it over to ... |
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 How do I rid my bad credit? |
| I've tried everything I can think of is there something you know that I don't. I would just like to have GOOD CREDIT!... |
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 I have bad credit no real credit cards I need/want to fix it myself. How do I go about fixing it myself? |
| I have bad credit no real credit cards I need/want to fix it myself. How do I go about fixing it myself? I have one credit card with a 200 dollar limit that I had to pay 50 dollars for got it from C... |
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 My partners bank are taking him to court to recover a debt even though he has been on a payment plan? |
| they have told him that they are going to issue a county court judgement against him. he has never missed a payment,yet they are still taking him to court. i am petrified at what is going to happen ... |
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 Are there any companies that will give a personal loan? |
to people with not so good credit ( they only not good thing is that my credit cards are high) but I need money to move out of state
Additional Details
something like a 5000-10000 dollar ... |
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 I cant be brotherd to pay my credit card bill. ? |
I have recently received my first ever vanquish credit card. I spend the whole £700 within a day. I can't be botherd to pay it back and have canceled the direct debit, What the worst that ... |
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 I am getting my first credit card, which one do i get? |
| okay, so i am getting married in six months, and i need a credit card. what are some things i should know before i sign up, because i know nothing about credit cards at all, isn't there some ... |
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 Debt collecting practices? |
| When I was 25 and under my father's insurance, I had surgery. Now, two years later, I must have missed a small bill that insurance paid some on. I moved from home and guess didn't receive ... |
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 Bank accounts frozen, what is the best way to negotiate with the collection agency? |
| I woke up today to find my checking acount with a zero balance, I went to the ATM and could not withdraw funds from my savings accoung. I called up my bank and asked them what was up and they said ... |
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 To file for Bankruptcy or not? |
| Can anyone explain to me how the bankruptcy law works in the USA. what does it really entail and how long after that can you be credti worthy again? IS this a good idea or its just an easy way out ... |
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 APR for a Personal loan... No Credit history... HELP!? |
| I have a friend who is trying to buy a car off of my parents. It's $4000, and she's trying to take out a personal loan. She has NO credit history, but she has a savings account at C... |
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 Best way to find out your credit score? |
| i know there are tons of online "services" that say they can find out your credit score. are these for real? i need to know my credit score...... |
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| Should I file Bankruptcy?? |
| I am about $16,000 in debt but I already have a judgement against me for $3,000. I was served with papers for past medical bills and I had a car repo'd about 3 years ago and they are threatening ... |
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 What would cause somebody's credit score to decrease? |
| My fiance and I have been working really hard to repair our credit. He recently paid off the items that he had in collections and all payoffs were reported to the 3 credit agencies; however, when he ... |
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 ????What is the fastest way to raise your credit score????? |
| Im working on getting a new house for me and my family and i need a good credit score to buy the house so please help me PLEASE... |
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Moby | I need financial help please!? |
I have a County Court Judgement caused by an ex partner who run up debts in a joint account just after we split. He's disappeared off the face of the earth and I cannot get credit or a mortgage of any kind....the only thing I've been told is that this is irreversible as my name was on the account and all I can do is wait 10 years till my name is cleared!!! Help please? Anyone? I'm at the end of my tether! |
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tonyinspain
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IF THE DEBTS JOINT YOU ARE BOTH LIBEL FOR THE DEBT
IF YOU HAVE A CCJ THEN THE DEBTS BEEN TO COURT AND WILL NOT BE REMOVED UNLESS THE DEBT IS PAID IN FULL .
AS YOUR PARTNER HAS DONE A RUNNER YOU ARE NOW LIBEL FOR THE FULL AMOUNT TO THE COURT.
UNLESS YOU CAN TRACE THE PERSON THAT'S DONE THE RUNNER THE ONLY THING YOU CAN DO IS PAY THE DEBT.
ONCE PAID YOU WILL RECEIVE FROM THE COURT A SATISFIED LETTER SAY THE DEBT IS PAID.BUT THE CCJ WILL SHOW ON YOU RECORD AS SATISFIED AND YOU TECHNICALLY SHOULD GET YOUR CREDIT RESTORED.
BUT THE FINANCE COMPANY'S WILL SEE THAT YOU HAVE HAD A CCJ AND MAY ASK WHAT IT WAS FOR YOU WILL NEED TO TELL THEM WHAT HAPPENED AND THEY WILL TAKE THAT INTO ACCOUNT .
HOPE THIS HELPS |
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llamedos
 |
Contact the Citizens Advice Bureau, they will be able to point you in the right direction. Their advice is free. |
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Kathleen M
 |
Contact a lawyer. I don't know if there's anything you can do, but talk to an expert. |
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LISA B
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There are mortgage companies that may look at your case try Kensington mortgages..they are based in Skipton north yorks....the rates are slightly higher and depending on the amount of the ccj....you will be asked to explain why this happened too....it takes around 6 years for you to be free of this but other companies may look at this for you if the ccj is satisfied... |
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Dawn I
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same happened to me,,,,,,,,,7 yrs down the line i am still paying debts and cant get credit anywhere |
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kayjay
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Sometimes when you dispute information of your credit report, if they don't resolve the issue in 30 days after investigation they have to removed. There are fees that the credit bureau have to pay to do this, and they don't like to. I did this with Gas company, and they removed it from my credit report. Hope it works for you. |
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phooey
 |
Joint account has joint and several liability which means they can go after either or both parties for the whole debt.
If they can't find your ex then you need to find him!
Old friends, his family, electoral roll, private detective, myspace.com, friendsreunited etc.
When you've found the ex pass the details on to the courts and creditors. |
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salvationcity
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You've really not got a leg to stand on I'm afraid. Your ex hasn't defrauded you and the account was legally in joint names. When you took out the account you signed a statement saying you were both equally liable for all actions on the account.
You can't get the judgement reversed as it's legally correct. You can ask Experion and Equifax (the two main credit scoring organisations in the UK) to put a letter on your file explaining the situation, but in all honesty it won't help you at all. There'll be a court CCJ against a letter from you saying 'I know it's in my name, but I didn't do it. Honest guv.' It's a waste of your time unless you also pay off all the outstanding debts in your name ASAP. That way you prove you're a responsible person and you've done your best to sort things out.
You have to put this one down to experience, accept and move on I'm afraid. |
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gtofinancial.tomvoli
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Talk to a lawyer.
You may not be aware that after the 10 years is up...they can refile the judgement and continue pursuit...to the point of garnishment.
For helpful information pertaining to real estate, credit management and mortgages check my blog. |
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ashelyr
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Borrow everything that you can, get a ticket and leave the bum country that used to be so cool |
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F T
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A Lawyer may be able to get a court order to remove it. |
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ranger12
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All I can say is YOU PICKED HIM, What do you want anyone here to do? |
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