 Can I "sell" my house to my 19 year old, and get a fresh start? |
My daughter has a car loan in her name, and 1 credit card (no balance). Can I sell the house to her, even though I will be making the payments behind the scenes?
She has no income, since ... |
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 Can I make a larger payment on my credit card? |
| If my bill says I owe $64.00 but since my last statement i charged an additional $840.00, can I pay the whole thing $904.00 or will that mess up my credit score? cause someone said that you should ... |
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 How can you "repair bad credit"? or dispute items on your report?? |
| If you owe it- you owe it. How can these companies "legally" repair your credit?? I am confused?? i went to a website that says they send dispute letters...How can you dispute an account ... |
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 I received a judgement against a credit card...? |
| I had a credit card with a small limit, but life happens (births, accidents causing disability, etc) and I was just making the bare minimum payments until the extra fees and interest being charged ... |
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 What are my options for paying off large credit card debts? |
| I have a great credit history and score, never late on payments, and pay more than the minimum due, but I don't know if I should refinace house, do something with 401k, or get a big loan. I ... |
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 My credit card stolen money taken out of atm having problems from card company saying my fault cos pin used? |
need advice not to pay money as it was stolen
Additional Details
was on holiday,canery islands,god knows how they used pin as was not with it.i reported it after found out.they have ... |
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 Do lenders view student loans just as they do other debt such as credit cards? |
| Basically my question is this: In a lenders eyes and for credit reporting/scoring purposes, are all loans viewed equally? Other than the commonly lower interest rates on student loans, is there any ... |
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 Credit Card Question? |
| I had a credit card in 1999. I believe to have stopped paying on it in 2002. Now they say it is at an attorney’s office and they are going to file a claim against me. The attorney was very rude ... |
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 Should I consolidate my $10,000 credit card debts with National Credit Counseling or should I pay it myself? |
| About nine months ago I lost my job and have been unemployed anot have not been able to pay my credit card debts. Some of my credit cards have been charged off and some are not. Just recently I was ... |
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 I paid off all my debt at the end of May & beg. of June, can lenders already see this in my credit report? |
Additional Details
I checked my credit report online recently (with equifax & a couple of others) and it showed that I had zero balances. Is this what lenders will see?... |
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 What could someone do with my credit or debit card details? |
| I mean all the numbers, names, expiry dates, etc on the card. Surely if someone used them online to buy something, the police could just check who or where it was delivered to and catch the crook? Or ... |
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helping others | Please help finacial matter? |
recently i became ill i make good money i was just out of work for 3 weeks. i have got way behind on my bills. were i work we are held a month behind, so now i will not get a check untill jan 18th for 488.00 all my bills including house payment and everything is due by 16th. does anyone know were a person with bad credit from previous marriages can get a second chance unsecured credit card that would help me catch up on my billls im behind on. if we loose this house we have no were to go i have 3 kids im back to work now but will not see a check for 4 weeks. then after that my checks will go up to 800.00 a week i have been every were for help they wont defer my house payment. and i have no family to help us except my dad he payed my light bill, and my husband lost his job two days after we bought the house. and were he is going to work at they wont let him start till after jan. i also apllyed to all the credit cards i could find on line no luck yet im really scared for my 3 kids
Additional Details
thanks for the advice mr up a creek without a paddle that was nice to say as far as it getting me deeper in debt getting another credit card no i just want one to catch up i make 800.00 a week once my checks start back it will be paid off and cut up. i hate credit i dont ask family to co sign thanks for praying from the ones of you that said they would thats the best advice i got your exactly right god will see me through it |
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AmberLynn
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Take out a home equity loan, maybe? Or there are some loan places that you give them the title to your car and they will give you a loan... when you pay the loan back they will give you your car title back. Here is a link.
http://www.azcashngo.com/ |
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TaxGurl
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HSB and Capital One are generally good for 2nd chance cards but they will have such a low limit that it may not help much. (Capital One keeps them under $1000)
It looks like you may have exhausted all the traditional routes for money so let's get creative:
-do you belong to a credit union that may be able to help you get a loan?
-could your church/temple/religious organization help you out short term?
-could you hold a yard sale or take unneeded items to a thrift store?
-could you get an advance on your pay from your employer? Could you borrow against future vacation or sick time? (Talk to HR, not your boss)
-could you or your husband pick up a few holiday shifts as temporary employees in retail?
-you mentioned that your husband is in school, could he pick up a little extra $ by tutoring or proofreading for other students?
-can you take a loan from 401k?
I've been in your shoes before. Wherehouse.com will buy your used cds and dvds if they are in good condition. (I made a few hundred from them this year.) Half Price Books will buy your books. (Not much money but every little bit helps).
I keep seeing people mention prosper.com here. It's supposed to be a peer to peer lending place. I don't know if it's legit or a scam but it may be one more place to check out.
Good luck! |
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Expert Realtor
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Tell you husband to go to McDonald's, they will put him to work the very next day. Exactly HOW long has he been out of work?
The next day you are at work, you need to sign up for short-term disability, that would have paid you money while you were out sick.
A mortgage company is not going to foreclose on you just because you miss one payment. It will ding your credit, and will ding it every month until you pay the arrears. Focus on your utilities, those will get shut off sooner.
Keep in mind, that you just destroyed what was left of your credit score by "applying for every credit card you could find online", and don't be suprised if you just gave your social security number to websites that were probably not legitimate.
Every single time you apply for credit, that is an "inquiry" and it can harm your credit score by anywhere between 3 and 10 points EACH time you apply.
You are permitted 3 inquires per year without dropping your score, and inquiries stay on your credit FOR THREE YEARS.
Since you have been married several times, I would caution you against taking out ANY joint credit with your husband or anyone else until you get your own cleaned up. That means nothing besides the house..no credit cards, no checking accounts, nothing!
Learn from past mistakes! |
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Noomder
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Please try this, we were having a hard time and this did work out for us. call each place you own money too, and explain to them your problem. most will try to work with you on things such as this. the reason is that they will rather lower your payments and get less than to have anyone lose everything and declare bankruptcy, for they will lost out also. so most will work with you. just explain your situation to them. the only bad thing about this at this time. is because it is Christmas as a lot of people tend to spend more than they have. so this is also making things hard on them. if you talk to them, try to make sure you are not just talking to a secretary or someone that is told to say 'no, because that is what they are told to say. but talk to someone who does have authority and will understand your problem. in this way they will work with you. a secretary can not help, for they are told what to say, and can never make a decision on something such as that. also,it will be best to talk to them in person, a person is more likely not to say no' to your face. but over a phone, they can say no' and it will not bother them. but we have found that some of these companies, will even let you ship a payment if you will offer to pay them a payment and a half each month to make up for it. there are many ways they can work this. just talk to them and see what they can come up with. some will divide your payment up into fourths and add them to the next for months payments.
But please stay away from credit cards, the interest is way too high. we do not use credit cards at all. we stopped using them about 15 years ago.
Good Luck, |
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bidhutnet
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I think your husband should look at a getting a part time job until he starts his new job. Maybe you should look at picking up a second job for awhile. Best of luck and happy holidays |
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Amanda
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Getting another credit card is just going to get you deeper in debt. Im sorry about your situation and i will pray for you and your kids. There are other ways to make money. You could apply for a watiress job and get the tips and then quit. Just think about your options. Maybe someone will cosign for you for a credit card in your family. Best of luck |
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rhian j
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im sure if you explain your situation to your cretitors they will be understanding and allow late payments. good luck xx |
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adnyuk
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After looking "every were" I think you are up the creek, without a paddle. |
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puzzled
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Capitol One usually give second chance credit.
Is there nothing you could sell to get some extra cash to see you over to 18th.
Also try motleyfool.com as they give good financial advice. |
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Adum
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It might sound stupid, but pray. God will help you, but you have to have faith. |
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