 If you pay of your credit card every month avoiding....??? |
..... interest does it build your credit the same way as not paying it off every month??
What is the BEST method of building credit?... |
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 I need help on which credit card i should apply for? |
| I'm a full time college student and I have a part-time job. I already have a bank account at WaMu, but I was wondering which credit card line i should apply for? I was thinking of either C... |
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 What type of pre-paid credit card is the best to use? |
For uses such as for online shopping and paypal?
and ones that are usually available in stores such as Cvs or R... |
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 Close credit card account or keep open and shred it? |
Whats best for my credit?
I recently paid off a credit card, and I have a few more credit cards to pay off.
Should I close the account I paid off or keep it open?
I ... |
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 Credit question, 10 year old visa bill |
| i just had a call from a collection angency about a old visa bill i had its almost 10 years ago in the amount of 9,000 they said if i don't pay they could put out a bench warrent for me. is this ... |
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 Credit card enq? |
| hello wondering if any one can help just recieved my first credit card been to try and use it keeps saying bank declined it yet i used it yesterday at shops is there a different pin you use at cash ... |
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 Anyone know anything about Provident loans? |
| Im considering gettin one and would like a bit more information. Is £500 the maximum you can get for first time? If pay back early do you still pay the full amount? Do they do credit checks? What do ... |
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 If he doesn't pay will it show up on his credit? |
| My boyfriend just got a phone bill in the mail from 9 years ago. He didn't even know anything about it, and when he did a credit check a few months ago for something else, that wasn't on it.... |
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 Can I do a bankcrupcy and add my hard money loan? |
| I have a hard money loan against my dads commerical property under my name and I cannot afford it anymore ...do you think I can do a bk on the hard money ? thats a lien against my dads commerical ... |
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 Credit cards?? |
| Do I have to have a bank account to get a secured credit card?... |
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 I want to file bankrupt is that a mistake????? |
| I was thinking that I should file bankrupt so that I could rebuild my credit in order to buy a home. Do you think that is a good move or not? I want to pay all this bad credit off but it is so hard ... |
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 What does your credit score have to be in order to qualify for a small business loan? I want to be prepared.? |
| I am looking to start a small baby/mother's boutique. The only thing keeping me from going and getting a loan is the fear that my credit score won't be high enough... it's sitting at 6... |
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 How can i start building credit? |
i'm a college student, i already have loans out. how can i start building my credit?
Additional Details
i dont have any bills yet. i have a checking account.... |
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 What help does your bank provide for people who are in debt? |
| I need this answer as soon as possible …please if you answer this question ..let me know quickly…thanks for your help.... |
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| Collections? |
| I have a CC debt that has been charged off and sent to a collection agency. I am waiting on validation of the debt from them after sending my validation letter. What do I do if they do not validate? H... |
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Greg | Need help with debt...please anyone!? |
ok about a week ago i was in debt 15,000..to tell you the truth, i was pretty comfortable with that..but something happened and now ill owe 25,000..just thinking about it makes me want to throw up and i start to sweat real bad. I never waned to cross 17 because thats when i get iffy and now im screwed. I make decent money but itll take 2 years to pay that off. Now my questions is, is there anything i can do..obviously, if you owe money, you need to pay it off, not move it around with debt consolidation. I know, but im really stressed out and i need some advice. Please no comments like "your pathetic" or "racking up that much was stupid"..whats done is done. i mean i checked my credit score and its 800..but id rather have a score of 690-710 and owe 5,000 than this.. |
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christopher b
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I don't think that anyone has answered your question yet. "is there anything i can do.." Your options are limited and i would like to see proof of an 800 fico with more than 5k in credit card bills. All things aside though the task of paying off those accounts is troublesome enough.
You have probably already obtained a 0% interest card to either house the debt so that you don't pay for more than you borrowed or you should do so. Don't take money out of your retirement accounts or your home while the markets are so volatile. Pay and pay and if you feel that you are struggling to pay off the accounts in a year then call the CC companies and see if they will work out an "arrangement". In the near future the banking industry will be very willing to accept all reasonable offers in order to maintain accounts in good standing.
You don't need the help of a third party at this time. |
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diesel6999999
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Your question is to general to answer w/ specifics. Is it all c/c debt, or do you have a combination of secured and UN-secured debt. There are options if your score is still high, but you need to act now. $10,000.00 is a lot to owe in a weeks time! If all of this debt is UN-secured , you can negotiate the % with the finance company, and it will effect your score! If it is secured debt, return the security, and if not de-valued to an extreme, pay off the difference! I hope this hepls, Good Luck! |
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bdancer222
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First, you need to re-think your spending habits. I don't know what you did that racked up that debt another $10K in one week but that ain't good.
Make a strict budget. Eliminate the extras -- cell phone, eating out, new clothes, premium cable and internet, etc. Put every penny that you can squeeze out of the budget on the highest interest rate debt, while paying the minimum on the rest. When the highest rate debt is paid off, move to the next till they are all paid off.
Figure out ways to come up with more cash to throw at that debt. Get a second job -- pizza delivery has flexible hours and you get the leftover pizzas. Have a garage sale, collect alum cans, mow lawns.
If you work at it, you can pay it all off in 2 or 3 years. |
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mp3specz
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The Best Debt Consolidation Solutions:
http://bestdebtfreesolutions.blogspot.com/ |
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tim t
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Opt for a debt consolidation loan: The easiest method of getting a debt consolidation loan is to utilize the equity of your home. Equity of your home is calculated and determined by the difference in the amount you have paid and the amount you owe. If the amount you have paid is more than the amount due, you can use it as collateral. This allows you to borrow money on lower interest rates. Besides, you also get tax benefit on this type of loan. Consult your tax advisor before opting for this loan. |
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ignyte
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global l
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When people discuss reducing their debts the main thing that they think about is how to reduce the credit card bills and pay off their loans<!--the more important questions are "How to do it?" and "How to get it done quicker?". The more important questions that need answering are "Do I really need...?"
http://badcredits.awardspace.com/Debt-Relief.htm
Looking at your situation and reducing what you pay out each month will help you pay off your debts much quicker and help you get rid of that sinking feeling that gets worse and worse the more-->you get into debt. Believe it or not by answering a few simple questions and changing the way you do things will help you eliminate your debts in next to no time at all. |
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Code Name MOM
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The first thing is to take a serious look at your lifestyle and and dump off anything that is not ABSOLUTELY neccessary for living.
You should bring your outgoing income down as much as possible to shift that into paying off the debt.
Homecooked meals, public transportation, regular t.v. instead of cable or sattellite, etc.
Anything that costs you monthly fees that you can get out of with little or no payoff you should dump.If you must have a cell phone then use a less expensive monthly minute agreement.
Let go of any clubs or unneccessary extra curricular activites that cost you monthly.
All of these things can help you, but you need to take a look at your lifestyle and budget and see what you can do without. You can then shift the extra money into paying off your debt. |
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Alterfemego
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Well I would consider doing a couple of things, starting tomorrow, first do you have anything of value that you could use as collateral? A house? A Car? If you can't get a decent loan using either of those, or consider selling whatever you have that has value and put the full amount realized from that sale to that debt! Next, take a part time job to help pay off that debt. It takes discipline, just commit yourself to being debt free and work as hard as you can to pay it off.
Good Luck |
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