 What can you do about a collection agency calling for different person? |
| Colection Agency continuously calls for my father on my home and cell after I repeatedly prove it is not me and give details where he is and yet they still call. What grounds do I have and what all ... |
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 If I don't plan on ever buying a new car or buying a house, should I not care about having good credit? |
| I think i'll never buy a house and I always get used card and pay cash for them. Why should i care if my credit is not good?... |
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 Yes loans have offered me a loan? |
| yes loans have offered me a loan for £2000 at £65 a month the interest is an extra £1200 this is the only sort of place were i can get a loan as i have a really bad credit rating . do you think ... |
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 Should I report a family member for credit card fraud & identity theft? |
| I'm debating turning in my Aunt. She is a cleptomaniac and she steals people's identity to get credit cards in their name. She is out of control. I love her but she needs help but I'm ... |
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| I'm trying to get a home loan. Do you have any tips? (considering the following)? |
Theres going to be me and another person, but both of us have no so good credit scores. We're both working on it, and we have about 2000 to put down.
Any tips would be greatly ... |
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 Serious question: What happens when you get married to someone w/ terrible credit? |
| I have excellent credit & I’m getting married to someone w/ terrible credit, tax leans, & such. What will happen to me when we get married will my credit get ruined? Should I not change ... |
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 What would two 18 year olds need to do to rent an apartment with no credit history? Is it possible? |
| What would we have to do to get an apartment? How do we get credit? If our credit isn't bad because we haven't used it, can we still be approved? Would we have to co-sign with a person ... |
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 Using a Credit Card to Pay Off a Credit Card? |
Does anyone know a way to use a credit card to pay off a credit card and in the process no interest is accumulated?
Additional Details
Lets say I have two credit cards. I use one and ... |
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 PayPal, eBay question? |
Does the seller have to pay the PayPal fees if I pay for an auction item with a credit card through PayPal? Are there any other rules on this for eBay?
Additional Details
I have a ... |
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 Should I ditch Capital One, and get a new credit card? |
Hey Guys!
I'm Alex, and really need your advice on this subject. I currently have a Capital One Visa credit card, but seriously thinking about canceling it because I've heard so ... |
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 My husband filed bankruptcy before we got married, I need a new car..........can he cosign for me? |
| I need a new car and I need a cosigner, come to find out, my husband filed for bankruptcy and he didn't even told me until now. The good news is he is about to get discharge, but I need a new ... |
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 Is Debt Settlement a good alternative to bankruptcy? |
| Does Debt Settlement restore your credit in fewer years than bankruptcy if your can't afford debt consolidation?... |
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 Should I get a credit card? |
| I am 19 years old and I want to build my credit up. Would it be a good idea to just get one credit card, a very basic one, and then charge about 50-100 dollars a month on it, and pay it every month. ... |
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 Is a credit card safer than a debit card? |
I know what the difference is in terms in getting credit, but not that is what I'm interested.
I want to know if its safer, for example I've heard that if I make an order using a ... |
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jeff s | My credit is terrible, what do you think: bankruptcy or something like credit counselors to help your credit? |
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aj485
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In the US, to declare bankruptcy, you must first go through credit counseling, so that's your first step.
You can find an accredited credit counselor using www.nfcc.org |
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Michelle
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I vote for credit counseling |
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C S
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It depends on how much you owe, how much you make, etc. but don't wait to take care of the problem. I waited too long and I'm being sued and now the creditors won't talk to me or deal with the credit counselors so I'm being forced into bankruptcy before my wages get garnished. Credit counseling can help for sure but you need to take care of it before the lawsuits roll in. Good luck |
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Tony L
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Scott's answer below is wrong. Effective Nov 2005, attorneys must refer you through the consumer counseling service,. you also must take tests on the computer. Filing chapter 7 is more limited now, and attorneys must prove you have no way to continue making payments. As far as having perfect credit in a year, is not true. The BK will stay on your file, from 7- 10 years. Your score... depends on what your previous history was, and how long you've had credit. I filed BK, chapter 7, in 2004. My score afterwards, was higher than average, because of my credit history., but it is still lower than Good! |
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Vampir V
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spend less than you earn!
open a savings account and save.
:-) |
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jpda_alpha
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I filed bankruptcy prior to the new laws and after doing credit counceling. The counceling was working but if you miss a payment the companies don't want to hear it no matter the excuse. I lost a family member after a long illness. When the illness got worse I missed work and the household was supported on 1 income instead of 2 for a while. I missed 1 payment, sent all the creditors letters explaining the situation and then I started getting demand notices for the remaining balances. The bankruptcy was my last resort and has helped me get back in the game of life. My bankruptcy was discharged 18 months ago and my credit has improved greatly. But like the others said with the new law you now have to go through credit counceling before being able to file bankruptcy. I suggest contacting the BBB and ask for a listing of their recommended agencies. |
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dolly d
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be carefull of DEBT COUNSELORS,read budhibbs,com..try repairing yourself--less costly,theres alot of sites to check,,be prepared its alot of work,, |
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Mortgagemom
 |
From a lending standpoint, credit counseling is treated like a bankruptcy. For example, most mortgage lenders cannot lend to individuals currently in credit counseling - just as if they are in chapt. 13 bankruptcy. Mortgage financing is available through FHA after only 2 years from a bankruptcy discharge and there are some sub-prime lenders that will "buy-out" or "payoff" a chapter 13 bankruptcy (if you own property of course). I'm not saying you should file bankruptcy, just that credit counseling is just as derogatory as a bankruptcy from a credit underwriting standpoint. This is the same in the auto credit industry too. Try contacting your lenders directly to work out more favorable payment terms. If that doesn't work, you may want to speak to an attorney before deciding which avenue is right for your situation. Best of luck to you. |
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Pravda
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I believe you should take steps to repair it yourself. I'd like to suggest http://www.thecreditrepairmanual.com
With subjects like:
Wipe out debt without bankruptcy
Solving credit problems
Managing your debt
to name a few topic there. You just have to apply yourself to correcting the problem.
Best Regards, |
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Scott
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Some of these answers are just wrong. In the US, you DON'T have to go through Credit Counseling. Just file chapter 7 and you'll have perfect credit in a year as long as you make sure all of the creditors report accurately after the bk and you reestablish some tradelines. Going through credit counseling will only postpone the day in which you will finally be debt free. Good Luck. |
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