 I co-signed a loan several years ago & the signer never paid. do i get stuck with paying it? |
| the collection agency is threatening wage garnishment. how can i get the original signer to pay? i can't afford to. the signer claims he can't pay it back either.... |
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 Credit Card Debt? |
| I have credit card debt in excess of $4000. Do the ads you see on TV for relieving one of credid card debt work? Or am I better suited to just pay it off?... |
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 I need another credit card fast, what can I do? |
I have 3 credit cards with $500 credit each. I want one credit card that can hold $1500 instead. what can I do? Are there offers or promotions anywhere that guarantee you pre-approval?
T... |
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 I see alot of people in debt including my parents... How do i not be in debt when I grow up? |
| Im 14, and i need to know how not to get my self in debt. or is it even possible to not be in debt. could u help me.... |
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 Is it possible to reverse the process when a creditor/company forwards an account to a collections agency? |
...meaning that the collections agency would give the account back to the creditor/company that one has an account with.
If so, how?
If not, how can one protect his/her credit ... |
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 Is balance transfer to a credit card a good idea? |
| While I was a student I've accumulated about $6,000 of credit card debt. (mostly to fill in the budget gaps while going to school). And currently paying the balance down little by little. But ... |
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 How could a place in Italy get my Debit card info ?? |
| I saw one charge on the bank website they tracked it to Italy its description on the bank was www.190-IT Corisco. The bank said to come in and cancel my card and when they checked pending ... |
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 If i file for bankruptcy, do i have to show up in court? |
And what are my other option so i don't appear in front of any judge or authority figure?
And another question is my crediters seud me to appear in court in september. what will ... |
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 Can i stop a garnishment? |
| m yhusband and i are about to be garnished for a medical bill. I am not trying to snake out of paying it but we missed a payment to the collector when we were in hospital having our baby. when i ... |
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 I'm trying to raise my score to buy a house, should I add my fiance' to all of my credit accounts? |
| We will be buying our house together, she has a 750 credit score and i have a 650 credit score. Would it help to add her to my credit cards? Would it hurt her? I know they look at both people for a ... |
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 How TO Get A Loan Paid Off Quicker? |
| I just purchased some property with a high interest rate because of bad credit. I am paying almost twice the amount of the payment a month. What is the best way to get this loan paid off quicker and ... |
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Denise B | Need auto financing, have bad credit? |
i am trying to find auto financing, last year has been horrible for me. I went through bread cancer treatment and thank God I am alive, my financial creditentials went down the tubes. I was out of work for 8 months. I have the income $50,000/year and I have been at my job for 10 years. Can anyone help |
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Gary H
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You CAN get a decent car loan, even with bad credit. I've done it, but you'll have to look around. That's one of the BIG mistakes people make...just taking the first offer that's given to them when they go to the dealer. Be smarter than that.
WARNING: DON'T GO TO BUY A CAR WITHOUT HAVING THE LOAN FIRST. The auto dealers will eat you alive and give you a crappy rate. Shop around with lenders who specialize in bad credit car loans. It's a better option, you don't have to take what they're offering if you don't want it, and it's better than dealing with the car dealer's people.
There are usually some nationally based car loan companies who specialize in bad credit car loans who advertise on the page linked below...
http://www.axalda.info/bad-credit-car-loans.html |
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SPIFIMAN1
 |
Auto finance is what I do for a living and you should have no problem.
First try on line at Capital-One, H.S.B.C., Wells Fargo and Citifinancial Auto.
If all of these turn you down, find a dealership that advertises Special Finance And go see the Manager. Do not talk to anyone but the Manager, they will be able to help you. |
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OC1999
 |
You should first go to http://www.annualcreditreport.com and pull your credit reports. You are allowed 1 free from each of the 3 agencies each year. Make sure that everything on your report is accurate. If not you have the right to dispute it and have it corrected. Once you are sure your credit report is correct you should get your score. The most common score is the FICO score and you can go to http://www.myfico.com. This will cost about $45 for all 3 but will give you a good idea of actually how much down the tubes you are.
The lower your score the higher the interest rate and down payment you will need. Better rates start at about the 620-650 range, with the best rates at the 700+ range.
If your score is really low then unless you can pay cash for a less expensive car, you should hold off a few months. This way you can work on any items that are bringing your score down. If you have any accounts past due, get them current. Then stay current with them. Payment history accounts for 35% of your score so doing this will help you the most.
The second is your credit utilization. This is the amount of total credit vs. your balance. Ideally you should keep this under 30% for the best scores. For example if you have total credit limits on your cards of $2,000 you should not have a total balance of over $600 dollars. |
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Succes
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Shopping online for bad credit auto loans is the smartest thing to do, as it’ll save your time and money. Even if you fail to get your bad credit auto loan from any online lender, your knowledge will improve. As they say knowledge is power, so you will get an idea of the interest rates for bad credit auto loans.
http://www.complete-debt-info.com/category/Bad-Credit-Auto-Loan.html |
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Jen
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If I were you, I'd pay cash for a cheaper car and work on the credit in the mean time, if you get a loan on bad credit, it will cost you alot of money in finance charges. I know I've done this and I ended up paying like$25000 for a truck that was worth only $15000 at the time of purchase! all that was interest and finance charges!!! |
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Gatsby216
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Sorry for your tribulations, I sounds like things are turning around.
The problem I believe you will encounter is that not only does the interest rate go up, but the price of the car goes up and the quality might not be the best.
Then you end up with payments and still have to make repairs. Do you know your credit score? If you have applied at a dealership, they will have it. They can not give you your credit report, but can tell you your score.
So you might end up better off to try basic transportation for cash. I think a 5-8 year old Buick is a good start to look at. Maybe you can find a one owner private sale. |
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fred_held
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Actually your bank probably has the best auto financing available. Ask them directly how to get financing with your terrible credit rating. I know the Bank of America will give you some very good rates if you put down 20% or more.
Some car dealers have special programs for people with bad credit but are now back earning a significant salary like you. Ask the dealer directly.
Also go online a do a search for auto loans. I have listed one for you.
How is the breast cancer? Are you ok and mostly over it?
Good luck,
fred |
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pinki j
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Below link might help you. See Auto loan section |
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