 I need US$3,000..? |
now you know how you can be chosen for best answer...
Additional Details
still not giving the desired answer after 16 answers...... |
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 What happens if i go bankrupt? |
| I have no house or assets to speak of and due to financial situation am thinking of going bankrupt, what happens to thimgs like my car, which is worth about £3000, which is nothing compared to what ... |
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 Would you let someone use your debit card? |
| They always give me the money up front, (its for direct TV) but still I am always a little hesistant about it. I mean does that affect my credit even though the subscription is not in my name?... |
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 Is it too easy to get a credit card? |
| My dog just got pre-approved for a $25000 credit limit card.... |
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 Is 13,000 in personal loans and credit card debt bad? |
| I have accumulated 13k in credit card debt and personal loans. I want to get one personal loan to consolidate all the debt. I have about a 630 credit score. However, I can't seem to get a ... |
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 Pay or Not to Pay Collection Agency? |
| While back in college, I left a cable bill unpaid. It went to a collection agency. It is for a minimal amount of $122.62. It has now been 4 years since it showed up on my credit report. After ... |
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 I've never had credit cards before, but i need one to build credit. 21.08 APR is their offer, is that bad? |
| I don't understand credit cards, but i might be getting a protected one soon. What is the APR, and is it that relevant?... |
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 Debt consolidation? |
Hi,
My partner owes around 20k to misc creditors as unsecured debt with some overdue etc. He has a steady job and has his budget under control now since his family situation changed and ... |
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 I am 17 but I keep getting mail from lots of credit card place and other companies to suggest that I have....? |
| some type of credit. How do I check to see if someone is committing identity theft? I would like to resolve this before I turn 18 so that my credit won't be scarred for life.... |
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 Is this to good to be true? |
| Ok many people say if its too good to be true it probably is. Well my roommate gets a call today from Visa (his credit card company) saying tha because he spent a certain amount fo money on his card ... |
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 Is 17 too young to have a credit card? |
| Our son has had a savings account since he was 10 years old. He began working and has since opened a checking account and also received his 1st credit card. His father & I think it's okay ... |
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| Does any one knows if this is a possible scam? |
Dear Prospective Partner,
My name is Andrew Wang, I trained and work as an external auditor for the
Dah Sing Bank (DSB), working as part of a bigger team that covers the
entire Asian ... |
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 Who can i get an unsecured loan from if i got bad credit rating ? ( uk answers only please )? |
| i have a very poor credit rating and i need a loan . i rent my house so its got to be unsecured and im not interested in those companys where you have to pay a fee up front cos they r a rip off. it ... |
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 I have $12,000 debt and i'm only 21? |
I dont know what to do.. I also have $25,000 in student loans as well (failed school actually, so it was all for nothing)
I was born to lose. i need $1500 a month ($600 of which is for ... |
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The Mama | Serious question ! how do i go about clearing my credit history? |
i have a really bad credit history, how would i go about clearing it, i would idealy like to pay off all the debts, i have, under some kind of payment sceme but i dont know who to coantact, please help.
Additional Details
btw im in the UK and always have been |
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Helen
 |
All you can do is pay off debts and ask for a receipt then send it to experian , who will then mark it as paid but keep it on record for 6 years .(FU*@XNG BA*@X**RDS)
If you find yourself in a position to pay off debts in one lump sum contact them first and tell them that you will pay it off if they put it in writing that they will remove their name of your credit file , some say it can't be done others say yes no problem play hardball .
It took me 5 years to pay it off and it's gonna take another 5 to clear my history .
The only thing I've learned through it all is that if you have problems it is better to let them take you to court before trying to pay it off because a county court judgement can be removed from record as soon as the debt is paid for a fee of £10 , god i wish i knew that at the start !
Credit reference agencies are a mockery of the law and should be made illegal . |
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scrambulls
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Beware of bad advice.
I found that the best approach is to contact your creditors as
soon as possible. Arm yourself with a budget - it should consist of your income less allowances for housing(including council taxes) food clothing travel(for work) and a very SMALL allowance
for entertainment. what you have left over is what you can afford to pay. Divide this sum proportionately by the amount you owe to each creditor this is what you can afford to pay.
Telephone them as soon as you can explain your situation and ask what they can do to help. They will usually fall over backwards to get you paying something on a regular basis.
If they ask for too much, say you just cant pay it and offer them about 2/3 of what you can afford according to your budget.
Start with the creditor you owe least to as they are usually more willing to help. If they are unco-operative suggest that they suspend interest charges and accept a very small payment until
you get back on your feet. Any success you have with one can be used as ammunition on the larger creditors you have. Tell them so-n-so did this and that for me....
This usually works and you come to an agreement to pay such an amount on a regular basis for the time being.
Once you have an agreed payment plan with all your creditors you can ask that they remove the default notice they have
given you with their credit reference agency. This works best
when you take the initiative and go to them to work out a plan.
Should you find it impossible to come to an agreement with a
particular creditor on the high end of your list you can threaten to declare bankruptcy. this will often tip the balance, if not you may actually have to do it. The good news is that the courts may
side with you if you can show that you were making an honest effort to clear your debt. In any case bankruptcy/ insolvency is
usually rescinded after 3 years and the debt remaining written off.
That is the primary reason all big lenders have special departments to deal with and help those in your situation.
I wish you every success. |
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Lianned21
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hay believe it or not ur not alone and actually today we spoke to citizens advice, really helpful. they freeze all interest on everything u owe. basically u tell them everything u have credit for loans hp everything. they deal with it all as soon as citizens advice have everything they need to no...no companies will bother u again. u can offer the £2 and they cant refuse as ur still willing to pay something. big relief for us and i can see things getting slightly better already :) |
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yellowpalma
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Bit of a pain- but I would speak to a few solicitors who negotiate you a better deal than a credit management co. Dont Know what state your in but contact me if you want a name.It wont be quick-5 years but lot of peace of mind and get th buggers off your back! |
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huggz
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Once your debts are clear you need to stay out of debt for 5 years to get a good credit rating. Contact your citizens advice bureau for free advice. |
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Twelve Monkeys
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Speak to the Citizens Advice Bureau, they are used to helping people to cope with this kind of problem. You'll find them in the Yellow pages. |
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tom
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do one asap! |
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Matts9480
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Your credit record stays with you from 6 years after you have settled an account. You need to contact all of the companys you owe money and explain your situation. They will then work out a plan with you even if you only pay £1 a month, this means they will look at the interest you are being charged and in some cases stop applying new charges. I would advise you to call into you bank and ask to see an adviso. Hope this was of some help. Good luck. |
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Princess_Moonpoppy
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I, too, was in this situation a few years ago. I don't usually recommend the Citizen's Advice Bureau as I've had some very dodgy advice from them, but on clearing debts and making my credit history look glossy they were very helpful. They had a pamphlet which you worked through - it got you to do some really uncomfortable calculations (i.e. what comes in and what goes out each month!!). Using these calculations, I then approached the companies I was in difficulty with - I presented them with a copy of my woeful income and expenditure analysis and offered a tentative resolution (i.e. £x per month instead of £xxx per month). Most companies were happy to take a minimal amount each month AS LONG AS the agreement was kept to, after seeing how detailed my list was and how much thought had gone into it. It was a really long process but eventually I won through.
Another way of making sure you keep a good solid credit history is use your bank account well. According to my banking advisor, the fact that I rarely use cash but use my debit card and cheque book frequently helps to show the bank (and credit rating agencies) that you are adept at managing your funds. Oh yes, and making sure you don't blip into your (agreed) overdraft too often helps too! |
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John
 |
You can learn a lot using a program called debt blaster..
It puts together a regime of how to pay things off...
http://www.debtblaster.com/downloads.html
You can get more help here: http://forums.moneysavingexpert.com/ |
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a_nurse2b
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Pray and go to www.daveramsey.com |
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Daree
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Well the fact that you said "serious" makes it a very hard question to answer............ |
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brent o
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I hope this heslp you to repair your credit history:
Step-by-Step Credit Repair Guide
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html |
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mittobridges@btinternet.com
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Go the the experian consumer help web site (google it) and send them your £2 to get your credit report, then follow the steps laid out in the booklet they provide. I did this, and have gone from a rubbish credit rating to having an almost clear one, I have had three personal associations removed, defaults removed and the CCJ marked as satisfied.
If you'd like to know more about it before sendiing your £2 to them, contact me through yahoo answers and I'll give you what info I can. |
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zion
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keep ur head down for 7 years |
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Pedro
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Clear all your debts by paying them all off, if you cannot manage this on your own there are plenty of debt management companies around that could help you, you should be able to get a list from your local citizens advice bureau. |
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yourwifey27
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I had the same problem, so i contacted the credit bureaus first to dispute all of the negative issues, then I requested information on it issue that could not be removed. They have to send you a letter within 30 days of your request saying who you owe and how you can get in contact with each of them. Or you can hire a lawyer to dispute each issue. It will cost $99.00 to start and 39.00 a month. It should take about 3 months aleast. it worked for me. |
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