 Paying capital credit card balance? |
| i just received my capital one credit card in the mail. it has a 300$ limit on it. i also have a personal savings account with WaMu (the former WaMu). my problem is i live in california and there are ... |
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 Need a loan quick!? |
| I know this sounds like a bad idea but i need to come up with 5-10,000 very quick and conventional methods have failed me so any help would be much appreciated. T... |
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 What can I do about goods ordered but not delivered in the specified time? |
| On 29 December I ordered furniture from my local Harveys Furnishers and was quoted an 8-week delivery period. Five months later and I am still waiting. I have contacted the store in person, by ... |
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 I have no credit but need a credit card??? |
| yeah so i have NO credit but i am trying to apply got a credit card. thank you.... |
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 Does anyone know how to get your credit scores without lowering your credit scores? |
| I'm trying to get a loan and everyone wants to run a credit check which I have always heard will lower my credit score. Is that true and if so is there a way to check my credit without lowering ... |
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 Shouldn't a debt that I haven't been able to pay be showing up on my credit report? |
| Several months ago, I hit some major financial troubles causing me to fall behind in paying an unsecured debt. They refuse to work with a credit counseling service and demand the balance in full and I... |
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 How do I start to rebuild my credit? |
| I am a thirty seven year old man that has made some mistakes in my past and frankly if I start to repay all of my creditors at once I won't be able to eat ramen noodles till next July so what do ... |
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 Help please,weve got a secured loan? |
| and the apr is 31%,,we borrowd 5k,,,is it possible to take out another loan at a better rate and pay the 1st loan off,ps we are in the uk,,,thanks for any ... |
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 I have $7K in credit card debt how do i get a consolidation loan ?? |
| About $7K in credit card debt. my credit score is very poor around 450. I cannot get approved for a consolidation loan, i dont own a home to take out a 2nd, im living pay check to pay check. I really ... |
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 How did you get your credit started? |
i'm having a hard time starting my credit. I just need some ideas what works good and what doesnt.
The do's and donts about starting ... |
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 Will my bad credit count if i'm out of the country? |
| I have 2 credit cards in UK and owning them few hundreds pounds and sometimes missed the payment. If i stop paying it and leaving these debts behind and back to my home country . Will this bad ... |
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 I was late on my mortgage payment... can my mortgage company remove this? Would it be legal? |
I was late on my mortgage payment (biggest mistake EVER!!) I have been sending letters to them for months, trying to figure out how to remove the "late" on my credit.
They keep ... |
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 Should I pay this credit card charge? |
| One of my relatives who was living with us recently left the U.S. and went back to his country. I don't think he will ever return. But his credit card bills still arrive at my house. He is being ... |
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 Can i write a check on an overdrafted bank account? |
| if my bank account is overdrawn and i want to write a check to pay for something, will the store be able to run the check through?... |
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c_jinnett | Should I work something out whith the Credit company, or let it go to a collection agency? |
My credit is on shaky ground as it is. My boyfriend thinks that I should just let it go into collections, but I feel like I should work something out with the creditor. I think he's worried that we won't be able to pay our other bills, like electricity, phone, and car insurence. His credit is worse than mine, so I feel like my idea is better than his. I currently have no income but I'm waiting on a disability claim to come through. I'm totaly broke and I don't know how I can fix this problem.
Additional Details
All of your answers are great, but for those of you that tell me to ditch my boyfriend, I'm not going to. One financial flaw is no reason for me to get rid of the only person who's ever truly understood me. He's not a druggie, or an alcoholic, he's not abusive (in any way) and I love him with all of my heart, so just because he happens to have a little trouble with money, doesn't mean I'm going to dump him. |
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cruachanmusic
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WORK SOMETHING OUT! If its just with your credit company, its not too bad yet. As soon as it goes to the agency, you are screwed for a good 10-15 years. YOu will never be able to buy a house, or a new car, or get a loan for school, or anything else. You will be red flagged.
I urge you to work something out. WATCH WHAT YOU SPEND! Live like you're homeless and have no money for a while until you get it under control. |
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Neptune2bsure
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Go to credit counselling, they will contact all your creditors and at least help to stop the interest from accumulating, explain to them that you want to pay and your situation, you will have to show your income and what you owe, this service is usually free and usually every town has an office. This shows that you are at least trying to straighten out your credit. Good luck |
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bjvan2003
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work it out with the credit company if you can to avoid getting a default against your name.
once it goes to a collection agency you are pretty much stuffed! |
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mdboomskwad.mc4u
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Call the company you owe the money to and work out a payment plan, they will ask you when you can start making the payments give yourself atleast 30 days by then the money from disability shoud kick in. Do not let it go into collections that will create bigger problems i know i ended up in court and now they are garnishing my wages. Do not take your boyfriends advise he couldn't even keep his credit good. |
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mary a
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Like everyone else said, best thing to do first is get with your creditor, most of them will allow you to pay small amounts on your debt. They will tell you that some money is better than none, and if they report to the credit agency it will show that you account is still active and not in default. It may show that it is past due, but the points will not be as much. The one good thing about letting it go to the credit agencies is that first you can wheel and deal and most of the creditors will settle on a smaller amount. You can dispute all your old creditors and you have a certain time to get it settled and if they don't get back with you, that debitor will be dropped of your credit. Now if it went to a collector, once you've paid it, it will come off your credit in 6 months. |
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I love the flipflops
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I believe you would be in a better situation if you would work with the company itself. Remember, all they want to do is get paid. If a collection company gets involved they tend to get uglier, meaner and will not give you a moments peace. |
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brendalutoo
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If you have a mortgage and at least $10,000 in other debt check out: http://www.NoDebt4U.org
This company gets rid of all your debt, including your mortgage in about 9 years. No upfront fees. Does not mess up your credit. You can get a free 6 page debt analysis to see how it will work for you before you get on the program.
If you don't have a mortgage or don't qualify for the program you can purchase their Money Mastery Kit. It is a do it yourself program. |
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fatsausage
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Work something out with the Creditor.
Get a Rich Boy Friend or a Rich Husband or hit the streets. |
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Ralfcoder
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Call the credit company and talk it over with them. Their attitude will likely change a lot if you do that. It costs them a lot of money to go through the hassle of collecting on an overdue debt - I bet they would be glad to know that you have a check coming, and plan to pay them then. Besides, it will look better on your credit report if you took the initiative to contact them. In the long run, that will be cheaper for you when you apply for a loan some day.
And ditch the lame boyfriend. |
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Mopar Muscle Gal
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I see my theory stands true. .
you are with what you hang out with
birds of a feather flock together |
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