 Cant pay credit card debt? |
I used to live in the UK and moved to US 3 months ago.
My plans didnt work out well and Im bankrupt, I dont have any debts here and can afford just to live on my earning but Im in debth to ... |
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 Are there any good sites where I can check my credit? |
| I got different credit scores from 2 different sites, why is this? if anyone knows of any good sites post them here, I would appreciate it, thanks.... |
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 Is it better to negotiate charge off amounts with creditors or pay in full? |
| should i negotiate a discount? or pay in full? whats better for my credit report/ does it matteR?... |
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 I want to improve my credit but all my debt is at least 3 years old and all in collections. What to do? |
| My credit score is currently 570 and I want to improve it but because my debt is all in collections and they are all at least 3 years old I don't know what to do.... |
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 Credit card problems? |
| i tried to order something through Paypal (which i do all the time), but the transaction didn't go through and it said that my card was denied by my credit card issuer. I didn't cancel my ... |
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 Is there a way to get your money from someone who borrowed your credit card? |
| I let my friend use my credit card to charge something, he said he was going to pay it right back in a couple of days, or he could put the limit right back on my Visa with his Visa. But since I let ... |
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 I have a 1 year old debt, does credit get worse the longer I don't pay? |
| I'm currently 20 and about a year ago had to visit the hospital due to an ear problem. The bill is approx 2,500 and I have yet to pay it. I have no other form of credit history that I am aware ... |
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 Which is the best credit card to get?? |
| I dont know much about credit cards...help please. I have the student visa from bank of america but i want another one.... |
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 Credit card? |
| Is there any problem if we'll not pay the bill of credit card. Or, If we'll go for settlement, they keep the details as defaulter or, wht? plz advice....... |
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 Can I get a used car loan? |
| I just turned 18 last week. I have been driving a 1988 Ford Escort for a year and a half. I paid $500 for this car so I am not sure if it is even applicaple for a trade in. I think it is time to ... |
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 Do negative records really "disappear" from your credit report in 7 years? |
| I recently viewed my credit report, and a lot of negative/delinquent accounts and records are not on it. So is true what they say about negative items being deleted from one's report after 7 ... |
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 Personal loan 5,000? |
| I need a four thousand dollars to pya off my credit card debt becuase I am looking ot buy a house in three years and I would not have gotten rid of my credit car debt by then.... |
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 Would this hurt my credit? |
| I have perfect credit as of right now I always pay of my credit cards and on time. I got a the cell phone service Altell and didn't really like it to much, so i canceled after a few days, now i ... |
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 What happens when you don't make ur minimum payments (credit card debt)? |
| so i'm having a little trouble making the minimum payments right now. In about 2 months, i know i'll be able to make them. But what concerns me is how the credit card companies keep calling ... |
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 Can i still be eligible for a car loan even my car is under reposession? |
| our car was repossessed.and we cannot pay for the whole amount.instead of paying it,we are planning to used the money for down payment for a brand new car.can i still be eligible for a car loan?we ... |
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sweetsmile1982 | Is Credit Repair really effective and how much would you pay for it if it is? |
A good credit report is very important for living a comfortable life of financial freedom but it's difficult to recover fom a bad credit report once you've made a few mistakes. Credit repair companies can be helpful, especially if you allow some time for your file to be worked on before you need it completely done. |
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Manny
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Yes it is! Every mortgage broker has at least a handful of folks they use to sweep up folks credit. 1% difference on a 150k loan is TENS OF THOUSANDS of dollars in interest savings.
It's easily worth the 2-300 bucks most charge. |
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mcjordan23
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You can repair your credit with the following steps and it won't cost you anything except a lot of time, effort and hard work:
1. Control your spending. Develop the discipline to set a spending limit and to maintain it.
2. Develop a written budget and stick to it. Modify your budget only when financial issues have improved. Three basic categories in your budget should be "Personal," "Household" and Contingencies.
3. Position yourself to create additional revenue streams. You need more than one source of revenue. A homebased business is an excellent opportunity because it provides excellent tax benefits in the US, in addition to the extra income.
4. Become more financially literate; learn how money works and how to make quality financial decisions.
5. Learn to speak to yourself in "cans," not "cannots." In other words, don't ask "why can't I afford such and such; rather, ask, "what must I do to afford such and such?'
6. Include trustworthy family, relatives and friends in this quest so you have people who care about you to hold you accoutable to working your financial freedom venture. Do not include anyone on this team who lives a reckless financial life.
7. Write all this down because an unwritten plan cannot be followed. |
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Goran V
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Credit repair companies do something that you can do yourself and you wont have to pay high fees. Basically they call all your creditors and make a deal with them and tell them that you cant pay. All this does is lower your score. The whole process is about lowering your credit score so low that the people you owe money to wont have any other choice then to go with the repair agency and try to recoup their money from you. Consider first, how low is your credit score in the first place. |
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Sugar Bear
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The above answers are all correct, in their various perceptions. But if it is important to you, than do it right and hire a reputable credit repair organization. Lexington Law Firm, lex123.com, is doing mine. They have been around for 15 years, they are a law firm, and they specialize in credit report repair. They are not expensive and have a money back warranty. They even fix bankruptcies. |
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jlamb_2000
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I don't think havin a good credit report is very important for living a comfortable life and I certainly don't think it gives you financial freedom. Having good credit only does one thing; it lets you borrow more money. You will just be slave to the lender. How is that financial freedom? I say cut up your cards and work and save to pay cash. |
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littlebit
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I haven't heard any good reports from Credit Repair. I do know get your own credit report, if you see anything wrong with your report write to the credit bureau about the situation. If not pay what ever the bill you owe. Hope this help.
LC |
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tuesdayisgreat
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this site has a credit repair kit there is a one time membership fee
http://www.wesayes.com |
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Eric Ewanco
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Avoid credit repair. They are either scammers or people charging you money to do what you can do yourself. A lot of times they will suggest you get an Employer Identification Number (new SSN), but this is illegal.
Do your own homework and fix things the honest way. Beware of anyone saying they can erase your bad credit history; there is no legal way to erase accurate data. You can, however, order a copy of your credit report and make sure that anything inaccurate gets investigated. |
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echo
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I agree with the last two posters.
Paying someone to do it, or purchasing some websites advice online, is not the best way to repair credit when everything that you need to know is there, free to use. Save that money for other things and do it yourself.
The site I've listed below is a "free" do it yourself credit repair site. It has a great amount of credit based information, all free for anyone to use. |
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Just Me
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First..NEVER PAY FOR CREDIT REPAIR!!!
I can't stress this enough. They can do nothing for you that you can't do yourself by learning how to do it. It's just about knowledge! Go to
creditboards.com and learn EVERYTHING on your own!
Now watch this!
I dare one credit repair person who maybe reading this to call me a LIAR!!!
They won't...watch..because they know it's true! |
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TimNYC
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Don't Do It!
It's gonna cost you money, and it's not going to be of any great benefit.
I can't tell you what to do because I don't know your situation, but I know MY situation is really messed up. I decided to do the right thing and start making it better.
Start by going to the Federal Trade Commission's Web site - the section on credit. I've listed the source. There's a PLETHERA of information on what you can do to start cleaning it up.
It's not easy.
It's not over night.
But then again, we didn't mess it up over night either, did we? I know I didn't.
I'm an impatient guy, and I hate having to work hard at cleaning up my mistakes, but it's the best way... I promise. |
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