 Plese tell me how bad or fair my credit scores are? |
| hi i would like to apply for a loan through a credit union (TDECU) but i'm scared my credit score isnt high enough. my future husband has somewhat good credit and is already on his second loan ... |
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 Can debt collector file lawsuit? |
| ok yesterday i sent a debt verification letter to this debt collector. ive already talked to them once but didnt agree to anything or give any info. just so happens some lawyer i think has something ... |
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 Anyone know a place to actually GET a loan with bad credit? |
| We want to, more or less, get a loan for debt consolidation. We screwed up in the past, and have never been able to catch back up again to do it "right" We've gotten our sh** ... |
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 Credit score? |
| I have a credit score of 550 and I am trying to get it up. I have paid off the majority of all the stuff that was bad on it except a few Dr. bills. I tried to get a home loan and they told me that if ... |
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 Can i sue my credit card company? |
| I try to make is short. Last year, I made my final payment on my interest free consumer credit card via online banking. When I got my following statement it shows that payment was not received and I ... |
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 What will happen if someone with unpaid credit card bills leaves the usa with no intention to return? |
| Let`s say one has a total of 8k outstanding balance of different credit cards. If this individual leaves the usa without paying the debts (lets say to africa or russia) will there be any criminal ... |
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 I am looking to buy a house, but my fico is low. How can I raise my scores - fast? |
| I live in So Cal and the price to buy even a 1 bedroom in a run down neighborhood are outrageous. I make enough to pay the mortgage for a $550,000. home, but I need to have a 700 fico to be given a ... |
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 I think I have been the target of fraud...perhaps a debt collection fraud? |
| Today I received a computerized voice message which stated that I should call back to discuss credit issues. I did return the call, but after 'waiting for the next available person' it ... |
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 How do I get a hospital to write off a medical bill? I was uninsured and racked up $20,000 in debt!!? |
| I am a single Mom working full time now, but I am just barely getting by. My $20,000 debt is killing my credit and making it so hard to live. I do not want to file bankruptcy.... |
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 What do you do when you are a few steps from being homeless? |
| My family and I our loosing our home of 14 years all because we tried to help someone out that had no where to go, and was homeless, and now because HUD calls her an unreported person, we have lost ... |
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 When it comes to credit cards, which is best? |
| During this season I am out there buying gifts for everyone. I want to know which is best. Should I wet a credit card from each store lets say one from IKEA, one from GAP etc. Or just get one as C... |
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 What can I do to establish my credit? |
| It's not that I have bad credit. I just don't have enough credit. I have two credit cards, one small one for gas and for everyday purchases when I don't want to use cash and the other ... |
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 How long do we need to keep all the bank statements/utility bills/credit card statements etc.? |
| Recently i was shredding away loads of papers and didnt know what to do with these tho.And they occupy hell a lot of space and weight.Pls ... |
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 Why is the interest on my credit card going up every month despite paying more than the minimum payment |
| I have been paying £10 more than the minimum payment for a few months now but i've noticed that the interest I'm being charged is increasing. Last month it was £33 (back breaking aaaaargh)... |
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 What is the formula to calculate the credit score? |
| Don't need your guessings or "I think". Real serious answers from knoledgable people are very appreciated.... |
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 Has anyone filed bankruptcy without using a lawyer? |
| I've been thinking about filing bankruptcy using one of the websites that fills out all the paperwork for you and then all you have to do is bring them to court. they garuntee their work, if ... |
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silverblack12345 | Im thinking about filing chapter 13 and doing debt consolidation, any thoughts or experiences? |
I pay all my bills on time (for the most part) but it's nothing but the minium, I was thinking about doing chapter 13 debt consolidation, is this wise? |
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seastarztx
|
what about just trying the debt consolidation w/o chapter 13? it will significantly reduce your interest rates, and it only effects your credit a little bit, not as much as chapter 13. |
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jon_k1976
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Kiss your credit score good-bye. |
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homeschoolmom
 |
If you can make the minimum payments, you will probably do better with a debt consolidation loan. These typically lower your minimum payment and they won't ruin your credit score. With the lower payment, you can now pay more than the minimum and get out of debt a bit faster.
Bankruptcy is much more difficult now and will damage your credit score for years to come. Avoid at all cost. |
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justin082005
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avoid it if you can! |
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scottFL007
 |
Bankruptcy will be on your credit record officially for something between 7 to 10 years, but the stigma of it never really goes away. You might be filling out a job application 25 years from now, and if they ask if you've EVER declared bankruptcy, you either have to tell them or risk the possibility that they will find out themselves (it is a public record). I think it would be a very bad choice if you can find an alternative.
If you can just find a way to commit to paying an extra $100 per month (maybe a 2nd job?), I think that will be much better in the long run. |
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feeln17
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do your self a big favor friend. change your spending habits and stop living above your means.....remember, the borrower is the slave to the lender. check out this site ...it will change your life! www.daveramsey.com |
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happyhousewife
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if you can aviod it, do. this will stay on your credit history for 10 years.that's a long time.there are other ways to consolidate , like creidt couseling, or even a consolidation loans. try to find something that will work for your needs and boost your credit score up instead of down!! |
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steve
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If you give more details on your situation, you will get a better answer. If you can make the minimum, can you make slightly more than the minimum? If the answer is yes I would don't declare bankruptcy. It will haunt you for many years if you do. |
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mikechampagne1
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All bankruptcies look the same on a credit report. If you wish to start over, and you are able with the new bankruptcy laws in effect, file chapter 7. Then discipline yourself and stay out of credit trouble. My wife and I filed chapter 7 last year. We reaffirmed our mortgage and kept 1 car; we let go an expensive SUV, credit card, and medical bills. We are in great shape, and have learned our limits. |
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