 How can i resolve this problem? i co-signed a car loan for a friend who is in jail and cant make the car paymt |
| this has messed up my credit record real bad. as the loan is still outstanding. is there a way to get out of this?... |
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 What is the best thing to do when your up to your neck in debt? |
| I have 2 cars that I got for me and my wife back in 03 but I dont make as much as I used to and have been behind on the payment for the longest time, should I just let them go and have them both ... |
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 Payments not taken ? |
| I bought a 3 piece suite last year on pay in 12 months. I have moved since I bought them so haven't received any letters from them. I was waiting for the first payment to go out of my account so ... |
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 Can you request a CC company to lower your available credit? |
And will it hurt your credit?
I have just paid off a 5000 CC but would like to keep the card @ maybe $500. Wasnt sure if you can request it to be done and if it would affect you. If so i will ... |
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 Is there anyway to find out your credit score for free? |
| i know there are sites that offer this but they all want you put in your credit card info and then you can cancel it if you don't want it but i wondered if there are sites that don't ask ... |
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 A charge-off got taken off of my Experian report, now debt collector sends notice that I owe, what can I do? |
| Ok, I got my credit report on 07-19-07, and there was a charge-off on the Experian credit report that was over seven years expired (From 1999). I saw that there was an inquiry from a debt collection ... |
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 How can i fix my credit? |
| my credit is really bad is there any way i can make it better? every thing is wrote off and really old. from 03-05... |
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 Is this true? |
| i got e mail from lottooffice situated in new york.and they says im the winner of 1million us dollers and now they r asking 4 my credit card?is it true or fake plz tell me ?... |
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 Credit experts, please help me out on this one? |
| Hey everyone, can I please have your honest opinion? Here's what's up, I want to buy a guitar with a credit card, only problem is my current card does not cover. If I get a new card and ... |
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 Creditors keep calling? |
| but they think I'm someone I'm not. I'm tired of all the phone calls. they dont believe me that I'm not the person they are looking for. how can I get them to stop?... |
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 Just turned 18...how can I build credit? |
| I know, I know. Apply for a credit card. I did that. And they rejected me, on the basis of....uh, I have no credit. So...what am I supposed to do? I know I have no credit...and to build it I need to ... |
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 Improving a poor credit score!? |
I don't know my actual score, but I did the estimator and I'm guessing it is in the mid 500's.
I went to college last year and got in way over my head. I was young.. still ... |
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| Credit card question? |
| Hi, I'm asking this because this is my first credit card and I'm not sure if this is possible. I don't want to call and ask the company who issued the card because they won't ... |
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 How can you rent an apartment with bad credit? |
| my husband and i have bad credit and we need to find a place fast to get away from all the bs in his family. my husband is in debt from a school loan and credit card and mine is medical bills. what ... |
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chellebeth75 | My boyfriend and I are trying to get a small personal loan to build up our credit? |
We both have bad credit like in the lower 500 and high 400 but we want to build that up. We are trying to buy the house we are living in right now but can't. The lender informed us that we need to obtain a loan to build our credit. But so far we have been turned down? Help? Does anyone know anyone that can help us? |
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Mark T
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Don't worry about the loan, you need to get your numbers up. A small loan is probably a bad idea and just lender telling you what you (and more importantly THEY) want to hear.
Simply do the rock-solid stuff. Pay off the credit cards you have, shred them, keep one or two low interest cards, with zero balances.
You are really establishing your credit by paying stuff off. If you don't have credit cards then you are STILL establishing you're credit by paying your phone bills, your electric bills etc.
So if they are genuinely "concerned" about your credit rating being very low. Fine. Get a credit card with a two-hundred dollar limit, Go out to dinner dinner, send the payment in when you get home. Don't carry any balance, or carry a balance only for a month or two and put the money in a jar to send out at the end of a couple of months.
Very quickly afterwards, the company will raise your limit. Do the same thing again. When you go to buy something, do three things.
1. Save up the cash for whatever you are going to buy, put it in the jar, or open an interest bearing savings account
2. Buy whatever it is on the credit card.
3. Wait 35 days.
4. Pay the whole amount for the credit card off + the interest accured.
What this does is raises the "maximum amount" you have ever used on the card, but it does not hurt you very much at all. All you pay is a few dollars for the month-to-month interest and maybe the yearly service fee.
It will take some time, and will not happen overnight, I wouldn't expect that your credit ratings would much improve in anything less than 18 to 36 months.
Watch the youtube on Maxed out
http://video.google.com/videoplay?docid=-1604922332896620425&q=maxed+out&total=6523&start=0&num=100&so=0&type=search&plindex=2
Get a savings account at HSBC
http://www.hsbcdirect.com/1/2/1/offer?code=PPG01D0000&WT.srch=1
which as a pretty good interest rate instead of a jar. |
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Laissez-Faire Guy
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What? Get a loan to improve credit?
Do you have any credit cards?
Start paying them on time every month, and pay them down. If you have any old or bad debts, pay them off too. It may take a while, but your score will improve dramatically.
The way the real estate market is going, you have time to wait. Odds are prices will be the same or even a little lower if you wait. |
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money angel
 |
Hello,
As you may or may not know it is very difficult to buy a house now for people with low credit scores (less than 700.) The stock markets are falling and companies are failing because they lent money to people who were not creditworthy at ridiculous rates they could not afford. So to be blunt you don't have a lot of opportunity now as it stands, but that's not to say there isn't hope. First let me say that for you it may be cheaper and more financially sound for you to rent until you either get a better credit score or the housing economy improves again (which can take years). Fixing your credit score though won't take as long so focus on that for now. |
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Sherri M
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credit unions sell cd's you put money into each month, when its paid off you get the money back.
See:
https://www.nevadafederal.org/loans/personal.aspx
Check out the other loans they have, you do need to be credit union member. |
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Pengy
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The last thing you need is a loan and everytime you apply your credit score goes down more. Face it in todays market there is no subprime and sorry that is where you fit in, and that just barely. Need to pay your bills on time and get those credit cards paid down to below 30% of the limit. Hate to tell you but there is no way you can get an unsecured loan, much less a mortgage these days with that score, and if some shyster would you would lose the house within a year. Clean up your credit first, then worry about a home |
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DC
 |
Me to....1st : If you get your credit report from MyFico.com to check and make sure no one used your name for something you were not responsible for financing. Then try to establish communication with your lowest balance debt collection agencies. (The easiest ones to pay off and you should work your way up the price scale). Make sure to ask for the account to show a 0 balance and not nothing negative toward your credit report. By doing this they are force to recognize that you are making an effort.....So far I have paid off one student loan & a Macy's credit card which they return to me with the paid off balance to start over, and I got a capital one card on just that effort. But trust me when I say it takes alot of getting use to, paying money out on stuff that you have already use such a long time ago; & just to learn your score affects your bank loan on the house of your dreams, esecpically when you been thinking you got it all figured out.... thats why I said me 2....5 days a go and then I found a book called the credit secrets bible on amazon.com and currently reading..really interesting stuff, I truly reccomand it to anyone who just found out that their lowest score was a 499...really sucks, with nothing no dispute but medical bills that will have to be drop in '09 so i have 2 years to wait for lower interest rates which start at 750! That really, really hurt my feelings, but it would be cheaper to wait, it does take 18-24 months to get a 700 when you start out so low, but for what the extra house taxs, insurances(6 different kinds in FL), and added bills + utilities amount to, it will be worth the wait... Ya know..lol! O one more thing innovis.com...the 4th credit bureau...check them out 2! |
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LasVegas Am-Fil
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live on the street for a few months to save money |
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Robert D
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My best advice is to visit a credit counselor, many do it for free. They will give you some good advice on how to mend your credit. Some of it will require some sacrifice and will power. |
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Stuard g
 |
People with poor credit feel that it is difficult to get personal loans. However, there are many financial companies and banks that provide loans to bad credit applicants. Bad credit personal loans are generally sought<!--by persons who want to consolidate their loans.Some banks prefer to provide loans in an incremental order. First time customers are given loans ranging from $200 to $500, depending on their net income. You can get more about personal loans here,
http://badcredits.awardspace.com/personalloans.htm
These customers can later apply for loans up to $1,500. Loans of greater amounts can be fetched through secured personal loans. These loans are passed by taking your property or home as collateral-->The interest rates on secured loans are lower than unsecured loans. However, there is always the risk of losing your house or property if the loan is not repaid. |
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jasminestuart10
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There ways to improve your bad credit score by learning little secrets or how credit agencies works.
I was in your situation 4 months ago and this thing is helpingme out, really... and the best fo all is that is FREE there isnt hidden costs or sthg.
Look at the link http://www.speedybadcreditloans.com/free-credit-repair-kit.html |
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