 Do debt collectors have the resources to trace people if they move from the uk to somewhere abroad like spain? |
| I Owe 500,000 pounds in bank loans ect one to natwest bank in uk if i move to spain but inform my family friends not inform the debt collectors if they phone what country i move to surly it will ... |
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 How much debt do you have? I have about $50,000, including a car loan and consumer. (not including mortgage)? |
| Please tell me what your total debt figure is and what does that debt include. (student loan, car loan, credit card, etc) I'm really curious as to what kind and how much debt others have in ... |
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 Paying by pay pal on ebay? |
| do you have to pay any fees to pay by ... |
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 I just recieved a letter from Financial Recovery Services trying to collect on a debt that ....? |
| ....that was written off by the original creditor five years ago. They are asking my to respond or this debt will be valid. What should I do? I know for a fact that this was written off, and I also ... |
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 Debt free!!!? |
I am one credit card away from being consumer debt free!!
Can you congatulate me? You can share your personal experiences as well..
Thank you Thank you!... |
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 Is it really necessary to get a credit card to build credit? |
Neither my boyfriend or I have credit cards. We're both still in college, years from now, we'll eventually need to buy a house.
I've always heard that you HAVE to get a ... |
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 I have a twelve year judgement on a truck I had to give back.A lawyer is bugging me for the money.? |
| Is their a form or letter to get out of this. The lawyer has ask the court for my information of my work and bank account. This is 12 years old. I know I have a judgememt. is stature of limitation on ... |
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 My credit is 598 52 points from 650 who do i get it up there? |
My credit report score is 598 and 650 is good credit how do i get my credit to that number i have $7,769 debt on my credit report and that is various of debt not just one big lumb sum.
A... |
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 Does it look bad if you cancel a credit card after paying it off? |
| Im slowly climbing out of debt. But after I pay a card off, I find an excuse to use it again. I think that canceling each card after paying it off is the way to go, but my wife says it looks bad on ... |
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 I owe 100k credit card debt and i make 7000/month how i can pay off my debt with all this 29-35% interest rate |
| my debt is $100,000 and i want to pay it off all but i keep on falling behind because of all these late fees,very high interest rates on credit cards,my scores fall to 585.i can not be approved any ... |
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 Credit need to establish ? |
Hey some-one can help me..!!! I need to establish credit... ¿ what it´s the best way to start?
Need help soon
thanks a lot
best ... |
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 What do you do if an identity thief has opened up banks in your name?? |
Just just banks but everything else that they can open up.
Whats the best thing to do?... |
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 Want to get a credit card, bit have bad credit.? |
| well my score is aroung 500. so i was wondering if you know any credit card companies that would approve me.... |
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 Applying for a new mortgage, but my hubby is only doing it based on his wage? |
| will i have a credit check done on me too, or both or just him. the mortgage is going in his name with me just added on cos i'm down as a house wife. do i have to pay for the credit searches?... |
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 In desperate need of advice on buying a home.? |
| Ok. Because I have made mistakes helping folks, I have got myself in a slump. I have a low credit score and I keep working to fix it but still have other bills. I do not use credit cards so ... |
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 How good is a 760 FICO credit score? |
| Considering some credit card debt, and two mortgages?... |
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 Can anyone help with companies claiming to get all ur bank charges paid back, is this a scam? |
| I have been asked to sign a contract and pay £15.00 up front and if i pull out before proceedings are completed i have to pay £500.00 compensation ?... |
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 I have poor credt rating? |
| i realy need a contract phone is there anything i can do????... |
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Miss Mayhem | Is credit really that important? |
I am paying off my credit cards and doing away with them. I have no plans to buy a house, rather am saving to buy land outright and building a house on it. Also, I buy my cars in cash and just save up for them over time.
So why do I really need to be worried about my credit? |
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pynk.star
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get off the grid sister....tell those credit card companies to shove it in thier ear! rock it with cash or don't rock it all! |
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Josh
 |
You dnt need to worry about it.. until you have a major financial setback and not having any credit makes it hard to ever buy anything again! |
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dalbert
 |
You CAN survive without credit. Sure its hard, but being someone who is in the same boat who doesn't have a credit card, 4 months of expenses in a money market account for emergencies I'm thankful for where I am now
By the way, NO, you don't need credit to get a house. You can get a conventional non ripoff loan through manual underwriting from a quality mortgage professional (not the ones that JUST use FICO lending which is so dumbed down that a monkey could approve your loan).
Check out www.daveramsey.com. He is probably the only financial adviser who has a 0 FICO score and leads people to that direction. And guess what, he's a multi-millionaire! |
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Bryan
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HAHA is credit score important? I work in a profession that deals with credit on a daily basis. I have come to realize that it is important and can be repaired easily. On the contrary d.t.i is way more important when it comes to loans, buying homes, etc. DTI (debt to income ratio) is way more important!
Lets say I'm going to buy a home, I owe 100,000 in credit cards all maxed out, do you really think they will let you buy a home if you make less than 100k a year? You could stop paying your bills completely, go hold up a sign on the side of the road for food money and STILL not make enough to pay it off.
Paying the minimum on a debt load that large is dangerous, and WILL take your entire life to complete it. So the most important thing to focus on is d.t.i NOT credit score! |
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Ira01
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Good credit is very important, for a number of reasons. First, you may want to buy something on credit in the future. For example, even if you are going to build your house yourself, you will still need building materials. Are you going to save up the money for that before starting construction? And sometimes you can get excellent financing on a car if you have excellent credit -- 0% has been available on some makes of cars for some buyers in the past.
Second, some employers (in some states) use your credit report to decide whether to hire you.
Third, some insurance companies (again in some states) use your credit score to determine whether to insure you, and if so, how much to charge you in premiums. |
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Randy
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convenience and good credit history. |
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I luv Orlando Se Hablo Ingles !!
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You may want to buy a house in the future,or upgrade to a newer model car . If , you ever need to apply for a loan or even get a small amount on a credit card. And, some employers even give you a credit check. So ,yes it is very important. Better safe then sorry. |
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smitakaur
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In this country Credit is more important then your life!! Your on a good roll........... |
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avalekz
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"When you apply for credit by getting a credit card, a car loan, or a mortgage, finance companies, banks and lenders will pull your Credit Report to see your credit history and view your Credit Score. They do this to determine your credit risk."
"Taking steps to always know your Credit Score and improving your Credit Score can help you qualify for better rates on loans from lenders, or better credit cards, or even a better car or home."
Article about Credit Reports. Read It. |
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?
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YES! Alot of employers also look at credit to decide a persons reliability and responsiblity. Sounds crappy, but true. Also, don't close credit cards. They add to your credit score. Use them maybe a few times a year in very small amounts. Like $15. Pay it off but not too quickly because if you use a card and pay the balance right away, it doesn't help your credit score. Credit is important EVERYWHERE! Besides, you never know what may happen in the future. Keeping good credit can be a fall back incase something unexpected occurs because nothing is ever set in stone. |
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