 Stupid co signer!!!!? |
| ok so i co signed for my husband and now my credit is all screwed up. i live in nj is there a way to get me off?... |
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 Can we get a house even if he filed for Bankrupcy on his previous marriage? |
| When I married my husband I new he had filed for Bancrupcy few years before (on his first marriage). To me Brancrupcy is something terrible but I married him because I love him for what he really is ... |
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 2 weeks late on a payday loan and they said they are contacting my payroll dept? |
| Hi, 2 weeks late on a payday loan, they told me they are now contacting my payroll dept, can they do this, I did sign a paper when I got the loan that they can garnish my wages, can they?... |
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 Bankruptcy or not? |
| I am a 31yr old married man with a 22 month old little girl. I am the sole provider for my home. I owe over 20,000 dollars in credit card bills. Should I file for a bankruptcy? I make enough ... |
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 Has anyone else been scammed from the Cash 4 Gold people? |
| We sent them a bag with 16.9 grams of broken gold jewelry and they say they never got it. I find that hard to believe since we took the package into post office ourselves. Just wondering if that ... |
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 Our phones been cut off due to non payment!? |
| My family are fine with it - time of year etc, will be sorted next week. But hubbies family snobs. Need a whopper of excuse for bout 1 week!?... |
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 Is having £1000 on a credit card considered as being in debt? |
| Even if I am paying atleast £50 a month to clear it and its interest free for a year.... |
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 Question about a call from a bill collector, saying he is going to get me thrown is jail? |
| This guy is a freakin piece of sh't. Calls me up everyday and tells me to pay my discover card bill from 2000. the balance is now 6k and i have to make payment arangements right now. I ... |
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 I just turned 18, and want to get a credit card to establish credit.? |
| My bank turned me down because I am still in high school, and all the other places turned me down because I have built no credit. I just applied onling at Mastercard, and will find out soon, but I ... |
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 I am confused by free annual credit report? |
| You know how you get those free annual credit score reports by the 3 credit companies...well let's say you checked it today on March 27th, so anything added after March 27th to your credit ... |
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 How do I sign my mother's credit card? |
| I'm using my mother's credit card for something. Should I sign my name? Or just try to sign her signature?... |
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 What happens when you don't pay credit card payments? |
At my previous address I had a credit card which I maxed out. Times were quite hard (I was living alone as a student) and I was only 18.
I moved house over two years ago now and have ... |
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 The amount deducted twice for a single transcation after shoping with my debit card, what shoud i do now? |
| I just shopped from Moore super marker with my debit card. There was some signal problem with the swiping machine and my card was swiped more than once, after a few attempts I got my slip and signed ... |
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 When a bankruptsy goes bad? |
when it gets dismissed what happens there after? Please response if you ever had it happen to you ...and what is put on your credit report?
Additional Details
i'm in ... |
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 How do I respond in a letter to the lawyers on the discovery, that they sent me, on my credit card debt? |
| I have a civil lawsuit against me on credit card debt. I've ask them to provide proof on debt. (Compel Discovery). They sent several copies on statements from my old credit card. Now they want ... |
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 Which Credit Cards to Close? |
| I'm working on downsizing my debt, and I've done well in my opinion over the last 8 months or so. Several of my credit cards (I know I shouldn't even have this many open) have zero ... |
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 Credit collector is threatening me a law suit, what do i have to do? |
| after I graudated, I could not find a job for months and could not pay the credit card debt, which was 9800(includig late payment and interest). It was handed over the collector, they offered me to ... |
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afterburner | If I have bad credit, are there any ways to still get a credit card or a loan? |
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 |
 
getrd2go
 |
i was going to say the same thing as the guy above me...let me just add though, that these types of cards are usually higher interest rates. there are also credit card companies out there that offer re builder cards... Check out Orchard Bank or First Premier they offer credit lines of $200-$300 with an annual fee of around $60 but usually have lower interest rates. |
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lallen
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You would be better off getting your credit repaired first, then applying for credit. The process usually takes about a year, but is well worth the wait considering all the $ in interest you'll save. |
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MissKathleen
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There are some very high interest rate credit cards and loans out there for those with bad credit. Also, there are additional fees involved up front. Don't bother applying at famous companies like Citi Bank or Capital One. Find a lesser known company like Aspire Visa and you will have to pay extra. |
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Frank Castle
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Yes |
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DLeibowitz
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If you have bad credit, the last thing you need is a new credit card. And you really should avoid a loan. And you really really should avoid a payday loan.
What you could do is start paying down your debt. Take a look at your budget. Write down your disposable income from your paycheck and then write down everything you have to spend and everything you choose to spend in a month.
Then look hard to see what you can reduce. There's always something, no matter how little you make and how frugal you think you are.
Make your income and expense balance out.
Then cut some more, so that you can start reducing your credit card debt. Pay more than the minimum amount every month. Pay against the highest interest rate first. Call those credit card companies and ask for a break on interest while you are paying down your debt. You are probably maxed out anyway. Cut up those credit cards so that you can't use them again as you are paying them back. Get a debit card to use when you are not carrying cash (but only in an emergency). Give yourself an allowance and pay with cash only what you can afford within your budget.
If need be, get a part time second job for a while to help you pay down your debt. This will take time but you will free yourself from debt, start to save, and start to improve your life. |
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johnnyp
 |
You could try for a secured account. Basically you put an amount down (maybe $100). If you default on your balance, they use the money you put down. |
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Bellvusnob
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Yes you can still get both, you just might have to pay a higher interest rate than someone else who has better credit. |
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bluedart
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Yes and no. There are many vareables in credit. However if you're in a possition where you've got a few dings or dents on your credit, the following will dictate what you will beable to do right now (Time is the best credit healer).
1.)Ability - Can you repay?
2.)Stability - Can we find you if you don't?
3.)Equity - How much cold cash will you part with(Put Down)?
4.)Credit- How have you managed your accounts in the past?
IN THAT ORDER OF IMPORTANCE
Work on those for now.
Getting a secured credit card is a good idea too.
Go to www.bankrate.com to check the ratings out.
As far as a car?
I would need to know the answers to a dozen or two questions.
You can email me direct and I can see if I can clear the smoke and mirrors for you. I was the Finance director for the largest car retailer in the country.
Thanks
John
bluedart@optonline.net |
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Credit Guru
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1) Have you looked at your credit files? If not go to www.annualcreditreport.com and you can get all 3 for free once a year. Review your reports for accuracy. You can dispute (or hire a reputable Law Firm) any information that is deemed incorrect or unverifiable.
2) When you say "bad" credit, do you know your FICO credit score. It will cost you $45.00 but by going to www.myfico.com/12 you can get the real FICO scores (the ones lenders use) and see where you stand. You will also get the 4 top reasons that your score isn't higher.
3) As far as an "unsecured" credit card your score will most likely need to be above 700 with no public records or collections. Car loans are easier to get but the lower the score the higher the interest rate.
Someone previously suggested www.repairyourbadcredit.com. Be very careful, they may be in violation of the law. I've included a link below from the FTC where they have nabbed some credit repair companies for breaking the law.
Good Luck |
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