 How do I build my credit back up? |
| I am getting ready to pay off my debt but when I do that I know my score will not go up by much. I can't get any loans because my credit is THAT bad. What can I do? I make my car payments but ... |
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 Can getting a American express card help your credit score ? |
| someone told me that they had a credit score of 580 and then they apply for a American Express Card ,and then there credit score went up to 620 , can that really happen?... |
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 Debt collection question? |
| I got a call from a debt collector. She said I could make a check payment over the phone. I told her my account doesn't have enough money in it to do that. My payment is due on March 12th ... |
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 What can I do about high interest rate credit cards? |
| Can I transfer my balances to other credit cards with lower interest rates?... |
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 My cousin looked at my checkbook and I think he wrote down my routing and account #?Is there anything....? |
| he can actually do with that?If he was to order something like on-line or something I would know and know where to find him.And if he was to try paying for a bill or something it would be traced to ... |
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 Does anyone know someone who is willing to provide a 15000 loan with bad credit? |
| i have been trrying to get a loan for quite some time but most of the companies either deny or require me to send the first four months first in order to qualify but i dnt trust sending the money ... |
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| Bankrupt?? |
| If I File For Bank rupcy will they take my house and my car if there not payed ... |
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 I just paid off credit problems in March, how long before it's okay to start applying for new credit? |
| I just recently paid off all of my credit problems and was wondering how long should I wait to apply for credit to attempt to re-establish my credit. Also, how long does it take to start ... |
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 Are there any benefits to paying off the debt that I owe? |
| What I mean is that I am hearing that negative information stays on your credit report for 7 years, even if it is paid off. So is there even a point in paying it off if it won't benefit my ... |
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 What is the reason for this? It sucks? |
| I want to buy a house. My credit is not bad. The aturny gen. has a jugement agenst me. It is 4 years old. It was payed off 3 years ago. I have writen letters to the credit *** holes but they will not ... |
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 Money budgeing HELP!!!? |
I am in the same situation as many people I make enough money but still somehow have none let over for cushioning
Auto-$442
Insurance- $127
Rent-$733
Cell-$60
Cable-$35<... |
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 Is it true if you pay at least 10.00 a month, then something cannot be put on your credit report? |
| Is it true that if you pay a small amount each month to a creditor then they cannot put it on your credit report? I owe about 800.00 and some people have said that if you send in 10.00 a month to ... |
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Sarah G | What's the best way to avoid paying back a bank loan? |
Hi, i have took my name of the elctoral role and was told that if the bank coulnd'nt find me, they couldn't do nothing? |
 |
 
Sgt Big Red
|
You can avoid it, but remember this:
Most employers now do a credit check before hiring. You could find yourself without a job some day or miss out on getting a good one, not to mention that you would never be able to get a mortgage. |
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Milorad
|
the best way to avoid paying off a loan is not to take it out in the first place. |
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mystycal2u
 |
Why would you want to do this? You wanted the loan, or agreed to be on the loan...why not pay it back? |
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Guy U
 |
Die. |
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Night Train
|
Pay the loan back- Period.
It will follow your credit rating for a very very long time if you do not.
I screwed up my credit when I was really young, and it took years to fix.
I was almost 30 before I could buy a house, because of something I did when I was 19-21.
Your credit is one of the few things that can ruin your future, no matter how much money you make in the coming years.
Pay the bank.... otherwise you will wish to God in the coming years that you did. Promise. |
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Isaac
 |
The only way not to pay off a long is to claim bankruptcy whcih freeze any thign you can do credit wise for at least 7 years. If it only like 3,000 dollars it not worth it but if it like 40,000 it might be worth looking in to it. There a lot of stuff you have to meet befor you can do it too. You jsut cant deccide to go and do in one day. I learned about this in my Eco class. |
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Nick
 |
You can delay paying it off for years, but you'll have to constantly change your phone and address. I did it successfully for 7 years. Pre-paid cells phones are the best, no personal info to setup, cheap to buy and easy to change numbers. Personal mail-boxes (the ones at mini-malls) are best used for home address, just pretend your box number is an apartment number. If you got a bank loan for your car and are in risk of a repo, park the car a mile or so away from home, randomly moving it every day. Also, park away from work. If its a house, well you can't hide a house.
Now, you can do this, its a lot of work and they'll catch up with you which means you have to keep doing it over and over.
In the end you still owe them no matter what. Depending how much you do, they may just give up collecting and sue you instead. In which case you also have to pay their legal fees. In many cases the trial will be set and completed without you even knowing. You can dodge that too.
But you'll never get away with it forever. |
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Tapestry6
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Chapter 7 is the only way to wipe out debt completely, its a long drawn out process. I am watching someone going through it right now. You have to prove you don't have the assets to pay it back and don't feel can ever earn enough to pay back. If you have any assets like savings account, land, a house or a car they can sell them to help pay part of it back. But if you have none of these things the court will probably grant it. (btw you do have to pay a lawyer up front to process all this paperwork and her's cost like 2K!! So even if you get out from under your debt you will still owe the lawyer and I don't think he will process the bankruptcy if you don't pay him first). |
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Sam B
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Just pay it. |
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Jana
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Why would you want to ruin your credit for many years. Just pay the loan off. If money is short, call them and ask for a lower payment plan, most banks will help you to pay off the loan. Don't run from your responsibilities. They can do something to you, find you and mess with your credit for many many years to come..... |
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wizjp
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Die. Only way out. Eventually you need a job or credit and they find you |
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Aura
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All banks are theives. If they can't find you ask to speak with a manager or someone higher up and bring indentification to prove exactually who you are. |
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