 Credit cards? |
| I'm going to start college soon, and I'm being told by many people that I should get a credit card and "establish my credit" by making payments on things on time. People have ... |
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 Should I make payments or just pay it off? |
| I'm saving money to purchase a house in April. there are about 7 negative things on my credit report. my score is 502 (which is awful). I have the money in full to pay off my debt but the damage ... |
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 How can i get a credit report without having a bank account? |
Additional Details
i got my report but is there anyway i can get my credit score?... |
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 Can i take out a cash advance with my mastercard cc at a bank without a pin #? |
i don't have a pin on me and need the money right away. i know with visa cc's i could take it to a bank and get an advance, but what about mastercard?
Additional Details
that ... |
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 I need to get my medicine with my credit card. However, I wont actually have money {its my debit card} until F |
| I need to get my medicine with my debt card which I run like a credit card. I will not have money on it until Friday though. However, in the meantime my ear is bugging the crap out of me. Is there ... |
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 Okay I'm a 30 years old I still live at home and my credit card was stolen from me.? |
| my question is here the last time i used my credit card at the begining of the month for only 202.00 and then my card was stolen from me and i looked up on my account for my credit card there was a ... |
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 Can anyone recommend a mortgage company that does credit Repair? |
I would like to refinance my house and I have some negative or bad credit issues. Can anyone recommend a good Mortgage company that can do both (Refinance and Credit Repair? )
Good advice ... |
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 Best credit card for an 18yr old? |
| Okay, so I recently turned 18 and I'm thinking of signing up for a credit card to build up my credit. I have an application for a Sovereign Bank Worldpoints Credit Card and I was wondering if ... |
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 I want to fix my credit...? |
| Ok here's the deal. I applied for 4 dif. store credit cards bc my mom said she would pay them to build my credit (yes I know not her responsibility, but she shouldn't have said that if she ... |
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 Really need credit help...overwhelmed.? |
| Can someone please tell me how to get rid of negative reports on my credit report and stop collectors wo are trying to collect on debts and re-aging accounts that are well past the zeven year mark ... |
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 I am having a 2nd interview for a job I really want. They will be pulling a credit report and I have negative |
| I have negative credit information including bankruptcy. How do I spin this in a good light to make sure they do not exclude me because of my credit?... |
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 Can you puplicize your bad debtors? |
| I work for a charity who has a couple of debtors who have had ccj's issued. I wish to tell the community who has not paid us. Can I witout fee of being sued!?... |
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 How do I stop Capital One from scamming me? |
| I am in quite a bit of trouble with crapital one and I have no idea how to stop them from scamming me. They added charges that placed me over the limit and then charged me over the limit fees and ... |
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 Can I stop a charge on my credit card for bad service at a salon? |
| I went into a high end salon, paid over $300 for color correction and left with three tones hair. It looks absolutely awful. I want to stop the charge from coming through until I get this worked out ... |
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 Gettinng credit report cleaned up? |
| I have things on my credit report over 9 years old How do i get them off my credit ... |
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 Collection Agency will only accept check by phone? |
| I am trying to pay off an old debt with a collection agency. I understand that I need to get it in writing that it will be settled before I pay them; however, they tell me that they will ONLY accept ... |
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Johnny F | Should I try to negotiate my credit card debt down before paying it off? |
I got a loan from a bank to pay off my credit cards, but I wonder if I call the companies if they'll let me pay back less than I owe if I try to negotiate.
How should I go about it?
I have one $5,000 balance and two $1,000 balances. I borrowed $7,000 but it sure would be nice to not have to use the entire 7 bills. |
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ckitty
 |
Usually they will only negotiate your balance if you are already in collections or at least very seriously past due. It wouldn't hurt to ask and even if they turn you down, look at all the money you will save on the interest (Hopefully you got a better rate from the bank)! After paying them off, you should cut those cards up because it is REALLY easy to charge them right back up. Then you not only have the bank payment, but the credit card payments too! Good luck |
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Roy
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Negotiation can be done easily when your way over do. It might be harder if your not that far behind. Just don't deal with anyone but the supervisor and have him send you a settlement offer in the mail before you give them any money. |
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kenbgray
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I would think it is worth a shot, don't tell the credit card people that you have the money to pay it off or they won't do a thing for you. If they offer to up your limits say NO. Good luck. |
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hwatease
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YES!! It can reduce your debt substantially if you can offer a complete payoff. If you are refused, you will not have lost anything. |
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Sunshine
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I tried with Bank of America and they are jerks.... Try to first. That is what those credit card counseling services do. If you stay persistent you may get them to drop the rate. I ended up refinancing and vowing to never use credit cards again.....oops |
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Caitlyn M
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YES....
I had the same problem, got those stupid cards.
Call the company and tell them that you would like to pay your debt, and if there is a settlement amount. Depending on how overdue these are then there should be a settlement amount. If these are like a few months of charges then just ask. "Is there a way to get the balances lowered if I am to pay today (or send in the mail, or whatever you are doing) " ?
It never hurts to ask. The worst that could happen would be that they tell you no and you already have the money to pay it off. Go for it! |
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Jennifer
 |
Hi,
I used "Credit Solution" to settle my debt and aimprove my credit score.They managed to reduce my debt up to 58% .It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://shortlinks.co.uk/4cl |
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cm.122128
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Unless your accounts are severely behind, they will more than like not negotiate with you on the price. |
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src50
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Why should they? |
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