 I HAVE QUITE A FEW DELIQUENT ACCOUNTS ON MY CREDITREPORT. but I WANT TO FIX MY CREDIT AND MY CREDIT SCORE!? |
| AFTER I PAY OFF ALL THESE DEBTS HOW DO I GET THESE REMOVED AND HOW DO I IMPROVE MY CREDIT SO I CAN RAISE MY CREDIT SCORETO 800??... |
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 Is this a scam? Pay Pal? |
| So a lady wants to buy my PSP and i need to ship it to Nigeria, and i just got an email from Pay pal saying I have recieved the money and all i need to do to be credited the money is email them the ... |
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 What are you going to do with your $600 Rebate check? |
| I know it is going to help you in a lot of ways but what are your plans for this check?... |
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 How do you attain credit if you've never had credit? |
Additional Details
read carefully, I've tried to get credit cards, and small bank loans...but don't have enough CREDIT already built up. Hence, it takes credit to get credit?... |
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 Am i screwed...? |
me an my sister share the same address and initials, im nathan shes natasha. and she has bad credit. subsequently whenever i apply for credit i am turned down.
is there any way around ... |
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 I need advice with paying off my credit cards.? |
| I owe 5800 at 8.9%, I owe 4000 at 15.99% and I owe 800 at 14.9% I have some extra money, should I pay off the lower one first then move up? Or Start at the highest interest rate? Or should I start at ... |
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 A score of 662? |
what score do i need to get a $200,000 mortgage with a 662 credit score, i ask because im only 20 i havecredit cards for over a year and all have been paid on time. my income is $30,000 year
A... |
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 My child has a credit card in his name he is an adult, he defaulted on payments, can they charge my account? |
| Can I be held responsible for my adult childs credit card debt? The company has placed his debt on my account?... |
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 What if your parents got a credit card in your name? If you turn them in how much trouble would they get into? |
Additional Details
I'm an adult and it was fraud. I just don't have the money to pay the bill which is very high now and I know that they will not pay it. I don't want to ... |
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 Can you pay with a debit card in ebay or amazon? |
| I dont want to use my credit card so I want to use my debit card.... |
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 Can you cancel a credit card at anytime? |
| I want to get a laptop and am thinking of applyng for a credit card, but once I have paid the money back onto the card can I cancel it?... |
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 HELP! I bought a 20,000 timeshare but I don't know what it is!? |
| I just bought it so I could get a free Timex watch and free ticket to Epcot. I don't know what I was thinking. Could someone explain what a timeshare is in a nutshell?... |
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 Debt Consolidation Loans? |
| Is there a debt consolidation loan for people w/ bad credit in which one can use the money for personal use as well as for consolidationg debts?... |
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 Credit Score 747 Good? |
| Is this good? What is average? I am 32 years old.... |
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 I have very poor credit and can't get a credit card, how do I re-establish credit? |
| I just checked my credit report and I have a very poor rating. I can't get another card to help build credit again nor can I get a loan, or a phone, or anything. What do I do?! Pleas help!... |
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Nosey parker | If you have debts, who do you blame for them? Yourself, The banks or The Government.? |
I am curious, I am part of a generation that was brought up to believe that if you couldn't afford something you did without. Today however I have a few theories why people go into debt so easily. One of them is that as we appear to have become more affluent the idea of doing without is not appealing, therefore people are very keen to spend money on a credit card without wondering how on earth they are going to pay for it. What do you think? |
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cubalishus
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If I had debts then the only person I would blame is myself, like you I was brought up to believe if you can't afford it then you don't get it, it just seems so easy today for people to get themselves into debt then sit whinging and blaming anyone and everyone but themselves, credit isn't for me. |
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Gem
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My debts are because I chose to go in debt.
But it wasn't for nice things, it was to live while my husband and I attempt to save a manufacturing company and pay our employees and our taxes.
What I DO blame is Congress changing the law concerning minimum payments without protecting us from gouging from the credit card companies.
Two years ago there were laws on the books that would not allow a creditor to offer you credit, then even if you make all your payments, arbitrarily increase the interest rate to exhorbitant amounts. But in 2005 with the Bankruptcy Reform Act, they also removed usury laws.
I have not defaulted on any credit agreement, I make my payments, I WAS paying off my debt. Then most companies said, "hey you used the credit we gave you so we are doubling your interest rates". The credit card companies have told congress it is because our credit has become shaky (because we used the credit they offered) when the truth is, it is because with the mandatory doubling of monthly payments the credit company was not making as much interest because people might have actually paid off debt.
So, not the governments fault, but their removal of laws meant to protect the consumer is utter BS.
But, I do understand what you mean, people bought McMansions they couldn't afford, I bought a fixer upper with a fixed rate. People lease 2 luxury cars, my husband drives a 11 year old truck and I bought a used car. People shop at Needless Markups, I shop clearance ranks at Kohls.
Even though 2 of my creditors are gouging me, we will be fine (unless the company goes under, but that is another matter) and I will pay my debts off in 5 years. Then Bank of America and Washington Mutual can kiss my good paying, non defaulting, royal American hard working butt goodbye. |
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Ms Minger
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I don't currently have any debts. But I did once - quite serious ones.
All my fault, I lived way beyond my means. Never again.
I agree with you entirely. |
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jed slade
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All your problems in your life are your fault.If you cannot realise this now, then you should get wiser as time goes on.WEAKNESS OF CHARACTER---i must have it now---its a bargain---its the last one---it was a knock down price---i.ll never get this chance again---THE ROAD TO HELL IS A VOLUNTARY TRIP.Nobody makes these decisions for you.There is always a choice.Never let your boyfriend/wife/husband or girlfriend get you into debt,its your life and your choice,only yourself to blame.Remember the old saying---if you cannot afford it,you dont need it. |
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Polo
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I don't have any, thankfully. If I did, I would blame myself... |
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DebtFree
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well the government started this debt mess we are in... but we have a choice. don't borrow. Taking on lots of debt is a choice. We can just say no. |
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Jules
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Hi
I do agree with you to a certain extent but also believe that Banks and shops that encourage people to buy things on credit are partly to blame as well.
There seems to be a never ending stream of adverts, junk mail and promotions that encourage people to lend money, buy on credit and generally get themselves into debt. After all these Banks and credit companies stand to make lots of money if they can do this, so they want as many people as possible to extend the amount of spending power that they have. It seems far too easy to obtain credit these days.
A typical example from many years ago was when my bank refused to issue a cheque guarantee card to me as they said they weren't issuing anymore, instead I had to have a credit card even though I didn't want one!!
So that's what I think, hope it answers your question. |
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oldgrumpy
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It's just too easy to get credit nowadays, so I suppose we must blame some of that on the financial institutions.
The advertising of greedy High Street traders - and particularly on television - must also bear a great deal of the responsibility.
However, in the end, it must come down to the individual who does the borrowing. Nobody forces us to borrow money and the people who go into debt beyond their means, have only themselves to blame.
A deal of the private borrowing is only to keep up with the neighbours anyway and this is down to a personal attitude of mind.
I'm with you. If you can't afford to pay - then do without ! |
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Budlightgurl
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It depends on how you look at it.. its partly the cardholders fault. But then again I think there should be requirements to even get a credit card... like JOB for starters. That's how alot of ugly things happen...people getting approved without having a job, maxing them out, and not being able to repay them. These 30% intrest rates,40 late fees, 40 over the limit fees are quite ridiculous...esp. just for missing 1 PAYMENT. But then again the whole thing about being a responsible person comes into play. But then again if you have no credit card debt you'll say the person is to blame, and if you have alot of credit card debt you'll blame the companies. |
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mell mell
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Yep I have them and years ago I would of blamed everyone (government, credit card companies) but myself. Today I KNOW that its all my fault. At first It was things I didn't need and wanted them NOW then I got married and life happened and my debt was things I needed and didn't have the money for but when you already have debt it just grows and grows.
But the thing is to learn from it and make a change. When you have a mortgage, 2 NEW car payments, etc, etc. Now I'm going back to get degree, my husbands vehicle is paid for and I only have a few months to go on mine, (military) so we moved and opted to rent for a while before buying again (especially w/ the unsettled market), and its all about saving now. The key is to learn from the debts stop blaming everyone else and start making wise decisions. Do you really need a BRAND new car? a BIGGER house?
That's just my opinion. |
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bud68
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Its a combination, I think - Relentless advertising to create the demand to "have it all now," shameless offering of easy credit to those who shouldn't have it, and individual irresponsibility in managing personal finances. The housing/credit debacle could turn out to be beneficial in the long run if it brings people back down to earth. |
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jenntonic
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I like your question! Short answer: it's my own fault. Long viewpoint: from a spiritual standpoint (just bear with me), this world is designed to keep us in debt. TV, radio, billboards, magazines are filled with ads to entice us with beautiful material things -- THAT WE CANNOT AFFORD. Where is the financial balance in the world? Why is it that we in the United States can walk or drive to a grocery store with shelves of food when people in other countries are literally dying because they have no food? (Can you even imagine what that's like? I mean, if I miss two meals a day, I start to get headaches, I get cranky and mean.) There is no justice, no social equality in this world. Someone else's answer mentioned the housing bubble that just burst. I love watching real estate shows on HGTV, and when I see the prices in markets on the west coast -- $0.7 million for a 1 bedroom apartment -- it's crazy. Those are just numbers, it's all relative, the numbers mean nothing in the sense that, your appraiser is going to put a price on it based on what YOU want it to be. How do you measure a home's worth, and why does it have to "compare" to another home in the neighborhood? THAT part of it is the government's fault.
Sorry I'm getting off the point! When people go into debt, it produces a snowball effect that leads to desperation, depression, addictions, broken marriages, broken families, loss of employment and then back to desperation. We just have to be smart about it and say, "OK, just because the card has $13K available on it doesn't mean that I have $13K of free money available." I'm in my late 30's; I don't remember being taught in school about credit cards. So it's up to us to teach our children the pitfalls, because this is one experience no one should have to go through, not in this day and age. |
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gordonmother
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You have to be one of the lucky few who have been fortunate enough not to get into any debt. |
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Johnny
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Most debt isn't the result of consumer spending, initially it might be but if your few hundreds pounds of credit card debt worries you what do you do? You go to a bank and their advice is to take out a loan and their brand new credit card. The banks are selling money to the people who owe them money. Interest on Interest, charges on charges.
Very few people in 50k debt have 50k of stuff lying around! |
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VIOLATION KING
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My mum and dad always say "if you want something, SAVE"
That did'nt stop them getting a mortgage !!!
Kinda double standards. |
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CHRIS J
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fuc it |
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