 Is there anything types of payment cards like a credit card for 14 year olds.? |
| is there anything that i can get in the uk. i am nearly 15. i want to use it to buy things off the net. please give detail and web links if you can.... |
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 Is is legal to sell a bad debt to a collection company and they report the same debt on your credit report? |
| I had a credit card I defaulted on and they sold it to a collection company and the collection company put it on my credit report as well as the credit card. company.... |
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 Has anyone had a dealing with Richards loan agency? |
This man is an evil con man he took money from my husband and I .
And promised to give us a loan he said it was calateral for the bank .
he took us threw the whole loan process signed an ... |
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 I need to cash a payroll check in Vermont but can't. I wont open a bank account cause I am in debt. What to do |
| I tried places like Walmart (that cashed it before for several months) but they now use another system that wont take my check. I called the company that they use and was told that it is nothing ... |
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 Question about paying off car early.? |
| I owe $18,000.00 on my car and i want to pay it off asap. Should i save up money in the bank till i get enough to pay it off or should i pay more a month? the payment is $377.00. if i could come up ... |
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 Building my credit from a bad-credit banks? |
| my credit-score is currently 729. I was wondering, is there any benefits applying for a credit card company that are for bad-credit people, such as "First PREMIER" or "Orchard Bank&... |
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 How long after bankruptcy can my credit be good enough to get an apartment or a loan for a home? |
| My wife and I make enough money to afford an apartment or a modest house. However, both of our credit records are poor. So we were told to file bankruptcy. We just need to know how long we will ... |
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 Credit card question? |
| I was just wondering if it's bad for your credit report if you don't use your credit card?... |
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 Why Do Debt Collectors Lie? I Got Every Penny Of My Taxes!? |
| They threat all the time to do this and do that. Its a ploy to scare us into paying or just get the upper hand in the conversation. But when it comes down to it, they dont do what they threaten. FDCPA... |
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 Looking for a credit card? |
| I'm 18 and i am looking to build credit. I am trying to find a credit card but I cant find any good ones. All the credit cards I applied for said I need credit to get this card. And all the ... |
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 How else to raise my credit score? |
| i tried a credit card one time a decided that it was the dumbest idea ever to pay $100.00 for a $75.00 item and wont do that again my score is below 600 and i need to raise it. Im going to pay off ... |
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 Should I cancel my unused credit card? |
So I currently have three credit cards:
-- American Express, limit of $12,100, a $2000 balance and I've had this credit card for 7 years
-- Bank of America, limit of $4000, a $0 ... |
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| What happens to your unsecure credit card debt when you die? |
Additional Details
ok. let me add more to the question. There is no estate to take from.... |
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John | Is it even worth it to continue paying your credit cards on time if you're in my situation? HELP! |
Ok, so I have posted several questions in regards to my credit card debt and am still very unsure of what direction to take...I have about $30,000 in CC debt with two companies..Citi & Chase...recently Bank of America closed my $11,000 and $5,500 credit lines that I had..their reason was due to being maxed out on my other CC's, although I have never been late on a single payment for ANY of my debts including mortgage and car payments . So at this point I have a pretty foul attitude b/c to my understanding creditors issue you credit so you will use it and of course repay the debt back..which I do on a monthly basis...so now apparently my existing debt is having an adverse affect on my credit and preventing me from obtaining or even keeping any additional credit so therefore I am questioning wether or not it's even worth it to keep paying my monthly CC payments which total over $600. Nobody will give me a credit line or loan large enough to consolidate my bills and I am a homeowner but don't have equity...so is CCCS or bankruptcy the best avenue for me?
Additional Details
I appreciate the good honest answers however I must clarify that my CC usage is not me leaving above my means using them to buy luxuary items...last year I divorced and became a single parent and also was not working for a period of time. Therefore, my CC's were my lifeline to pay my child support, mortgage and several bills including CC bills itself. I figured I'd be better to usage up my avail. credit and atleast pay on time than to default..now I see where CCCS is probably the best action I need to take. How long is CCCS for and do they allow you to leave the program at anytime? Also can CCCS negotiate a lower payment on my car loan? |
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Monica A
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I would suggest that you contact bankruptcy lawyers and get their opnions. The first meeting is usually free and you can consult few and they will be able to give you a better advice. You should make a informed decision quickly since your financial situation may get from bad to worse. Good Luck. |
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Real Estate Guy
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I'm sorry to say this, but you are a mess. You are blaming everyone but yourself for your problems (and not it's not witchcraft).
YOu need to cut back spending TODAY. And find a part time job to get this under control.
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Dr. Gigi
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The first thing you need is the most current copy of all three credit bureaus.It's available for free form many providers but not all of them give you your score as well.
Q. Can I Really Get a Free 3 in 1 Credit Report?
A. Yes, according the The Fair Credit Report Act which FTC regulates and enforces. We have provided you with companies that can offer you a free copy of your credit report. The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies; Equifax, Experian, and TransUnion, to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.
Q. How Fast Can I Receive My Credit Report?
A. In minutes! Get immediate online access to your credit report and score instantly through any of the companies we have provided you with. Why wait for it to be mailed when you can access your credit online in minutes! |
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reality
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If you don't have any equity in your house, probably bankruptcy it's not the best, but easser way to get out and start over. Banks are in trable now, so are you.
Do what the best for you, today too many people in this shoes. Best of Luck! |
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Debt B
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Have you considered using a debt negotiation company? That could be an option as well. You will have to do your homework on this before you play your cards. |
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MSAD
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I don't think a bankruptcy will improve your situation. Right now your just over extended. You file bankruptcy and you become someone who was over extended and then refused to honor their obligations.
I you have not already - I highly encourage you to check out Dave Ramsey. He has a web site, radio show and several books. Lots of people have used his method to get out of the kind of debt you are in.
He gives you a strategy for dealing with your debt.
www.daveramsey.com |
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wicket351
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why would you want t go into debt even more ? seem you are living beyond your means, you spent the money now its time to pay up .pay off the debt and your credit will improve. |
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islandhobbler
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we are in the same boat as you are not due to over spending but to a nut case hitting my husband and running a redlight using a cell phone and hitting him and he is now not working, so your best bet is CCCS, go for it they will cut your payments back and help you with your spending habits, it will take a few years, but it will save your credit, better than a bankruptcy on your history and the chance of losing your house. i did it when my first husband left me holding the bag with a lot of unknown bills in my lap(surprise) and it worked. i did have to take on a small part time job around christmas to buy presents for my boy. but it was worth it. dont skip on any payments get onboard with cccs and work things out, in a few years it will be worth it you will see |
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maxmom56
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You are overextended. BoA was within it's rights to close the accounts to protect themselves and, in a sense, to protect you from digging your hole deeper. It sounds like you are making all your payments and paying on time. That's good. It means that the only thing having a negative impact on your credit is the amount of your debt.
Now, the questions are whether you can continue to pay off the accounts you have beyond the minimum payment and whether you can live without access to credit. If the answer is no, CCCS is probably the answer. Bankruptcy seems to be overkill at this point.
I wish you luck. |
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