 Credit Card and Credit Report help! |
| I need some help with my current situation. Im 19 and I applied for 1 credit card when I turned 18 through Bank of America. I was really responsible with it, only making necessary purchases, paying ... |
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 Will my credit be affected? |
| I have a Credit One credit card with a $200 credit limit on it. The bill is due tomorrow (Wednesday, July 19) but I just mailed out the payment today. Will my credit be affected by them receiving it ... |
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 Closed hospital on credit report item item paid looking for removal? |
| My husband has two negative items on his credit report and they are medical bills from a now closed hospital. He had a staff infection and without insurance at the time. The hospital is now closed ... |
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 If I tell bill collectors that I'm dead would they stop calling? |
| I was thinking about saying "he died a couple of days ago..." when they call so they stop calling me so much!... |
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 If today is the 1st time a collection agency calls me, can they begin steps to garnish my wages by tomorrow? |
| They were very aggressive and told me that I had to come up with $1400 by this Friday. When I told them I would need more time or propsed a payment plan they furiously told me that they would call ... |
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 Can I get a loan for a small business without credit? |
| I have no credit, I still live with my parents and I have a business plan. It seems hopeless.... |
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 I Have a repo on my credit. I am now with a collection agency and owe them $4,000 Do i need to pay this? |
| I just want to know if its worth it to pay alot of money to this collection agency. I ve been told that its not going to help me in improving my credit. In my credit it shows as a charge off.... |
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 Whats the best way to build your credit back up? |
| I have $1,000 worth of credit card debt, which I plan to pay off in full tomorrow. I'm in my early twenties and don't have much credit - what I do have is riddled with late payments because ... |
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 Credit Card Applications? |
| What is the easiest credit card to get? I want to find a card with no application fee.... |
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 Is 480 a decent credit score? |
| can i get a loan for debt consolidation and from ... |
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| If you have reaaaly bad credit and you are buying a house on a lease option? |
| we have paid a big down payment we are worried about getting financed is there any way at closing on the house the realtor if he agrees pay off our debt can we get financed we have made all of our ... |
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 I received a collections letter for $6500 for a Sprint account I never had? |
| They only had my name and former address. I called them and they hung up on me when I refused to give them part of my SS#. Sprint confirmed that the account did not exist but wouldn't do ... |
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 Check marked "paid in full"? |
| If I cash a check marked paid in full made out for an amount that is less than the amount due, will I be able to bill for the remaining balance?... |
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ccdpat | I really messed up, credit score is 504 and I really want to fix it but have no idea how or where to start? |
I have 3 accounts that show as - bad debt, written off with an outstanding balance. Do I pay them, what can I do to get my credit life back on track or am I screwed forever can I ever recover from this?? I live in Canada if that makes any difference. |
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The Wraith of God is coming
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Find internet creditors that are selling card for master card etc. read the fine print do not buy a card. Look for low interest rates as possible use the cards as cash, then pay them off the entire balance in that month. Never be late, never pay late fees and finance charges and the bad credit part will eventaully go away.
Paying the debt merely says its paid but it will still say you were 120 days late so it still reflects negatively on you. |
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losersrus
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keep paying ur bills on time. that will help. |
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Dawn R
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you can get a credit repair company to help you! but here is a bit of advise pay the collection then get a small credit card and put 10 dollars worth of gas on it and pay it off every month. don't let any one pull your credit for at least 1 year and pay all of your bills on time. do not go out and get into any more debt. |
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TruthIsRelative
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Start with a sex change. |
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Planner
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Time will heal the wound as long as you keep any other debts up to date. If you can make an arrangement to pay back the accounts it will help a little (an R8 is better than an R9 write-off).
Anything short of bankruptcy usually takes 3 years to clean up.
Some banks will let you get a credit card if you can secure it with cash or if you get a small loan with a co-signor it all helps to rebuild a good repayment history. |
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justice4_ak
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use lexington law firm, they will contest all of your negative items untill everything is gone. And it does work, worth the money if you really want a clean slate.
https://www.lexingtoncreditrevolution.com/ |
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somepaliguy27
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bad credit stays for 7 years, so it'll be a long time b4 u can get a better one. jus pay the bills on time, dont give minimum payments, and try to do the best you can! good luck! |
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Funchy
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Settle them ASAP! Reestablish good credit,even if it means using a secured line of credit (i.e. a secured VISA card). From now on always pay your bills on time no matter what. |
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B
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You will want to pay your debt. Yes it will show as past due 120 days, however the important part is that you paid. It will show furture creditors that you did pay off the debt, albeit late. Generally speaking, it will take time to restore your credit. As others have said, pay your bills on time going forward, do not bounce checks. Contact your local credit bureau to find out ways that you can improve your credit rating. I have not used a credit kit before, but it may be worth researching to see how effective they are. Becareful with consolidating debt with credit consolidation companies as sometimes those can hurt your score. If you can do it without those debt consolidation companies by being more disciplined with your finances on your own, then don't go to them. If you are having difficulty with limiting your spending, then perhaps you should seek an advisor. |
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