 First Credit Card??? College Student in Need? |
| im turning 18 tomorrow and im a future college student. My parents arent going to help me in college (meaning i'll have loans and have to buy stuff i need on my own) so what's the best way ... |
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 Information about Credit Cards.. APR.. and interest rates? |
| So i just opened up a victoria secret credit card today... my first credit card to date. If i pay my bill on time I won't have to pay any interest rates. As to APR, how does that work? Lets ... |
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 Is Modest Needs Foundation a Scam? |
Additional Details
I was looking through the BBB which was a breakdown of the financials and they do not add up.. Also, someone wrote something on Ripp Off Report.... |
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 what are my chances of being approved for a wells fargo credit card?I have my mortgage payment with them? |
my credit score is 730
my husband is also on the mortgage his credit score is 720
should we apply for for the credit card jointly or should i only apply?
I bought my ... |
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 Looking to get a loan for a 4,000 dollar motorcycle...? |
So I'm considering getting a loan to pay for a privately sold bike, costing 3,700 registration.
I have a credit score of 690-700, 21 years of age and only make currently 1,200 a ... |
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 Credit Card Lost, and somebody stole it? |
| What if i lost my credit card and some one found my credit card, and use it illegally. I mean, use it to buy anything. But when i dispute to my credit card company, they said the transaction is ok, ... |
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 Credit card problems..........? |
| I made a payment of $200 on my credit card but only $150 went in. I checked the payment status and it says its still in process. It has never done this before. Ive had it for about a year. Why is it ... |
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 Is there any way to clean credit that actually works? |
| I've tried so many different product's Im looking for one that actually works. Please only list one that you have tried personally and can guarantee. Im willing to spend a little money I ... |
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 I want to get my credit together so I can buy a home, should I file bankruptcy? If so, how? What should I do? |
| I'm 23 years old and I am in $30,000 worth of debt. That includes a repo'd car, a default school loan, and some $500 bills here and there. I've never had a credit card and as crazy as ... |
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 Has anyone ever used a "front loaded" debit card/VISA from AAA? |
| I was with my son when he was getting his passport photos the other day and the woman at AAA suggested getting a debit card that you front load with $$ for travel. You put the money on the card (... |
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 Credit Card Fraud. I have just been phoned by my CC company? |
| who said that my card is being used illegally. Loads of high money transactions in the past 3 days. How do these people get hold of my details. I do not use it very often and only for payment in a ... |
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 Should you ever co-sign a car loan? |
| with someone you are dating, and let them keep the title in their name?... |
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 Auto loan without cosigner / credit question.? |
Im a college student who is trying to build up credit from scratch
by getting a credit card with small limits. ( secured if worst case )
I need a car for a college If I were to commute to ... |
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 I am trying to negotiate a debt with Discover Card? |
| Problem is I cannot get a physical address to send a certified letter. I called them and asked for one they said there wasn't an address that I could send mail to have a person sign for it. H... |
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 What is Card purchase PAYPAL MERCHANT PROCES-HOTHAM HOUSE.-INTERNET,TW9 1EJ,GBR,GBR? |
| It keeps appearing on my card statement and it recently was quite alot, i am concerned as I have not allowed it to take money. I realize it is Paypal, and I do use Paypal. But it took money yesterday(... |
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| When applying for a payday loan online, is it safe to put your SIN number? |
| Most of them ask for SIN # and it just doesn't seem safe. But i'm not sure, maybe they have a good reason, does anyone know?... |
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 Paying my credit card bill online or with a check through the mail? |
| I just made my first purchase with my credit card a couple days ago and the statement just showed up on my account. I called the bank and they said I could transfer the money from my checking ... |
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 Chances of getting car loan? |
| If I put down 43% and have a credit score of 650. Car loan is for 21k.... |
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 What percentage do credit cards charge the merchant? |
I think its 1% to 5% that a credit card company makes from the merchant when I use my credit card.
True or False?
Higher or Lower?
Will the new laws that are trying to get passed lower ... |
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emmieruby | What are the pros and cons of debt consolidation? |
I have 10grand in credit card debt, plus about 25grand in car loan debt. I have heard that debt consolidation is actually worse for your credit than bankruptcy, is this true? |
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Grace
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I don't suggest going w/ a CCC, they can trash your credit. If they settle you could get an R9 rating (the same credit rating as a bankruptcy) I'd talk to a lawyer about doing Ch7 bk if you qualify it'd be a better route to go than paying a CCC to trash your credit the same way with a settlement (while they make a profit off of you) |
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Rose
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http://debtreliefreviews.net/top-debt-consolidation-companies/ has good information and several reviews for debt consolidation companies. |
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Alexandra
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I will highly recommend you to go for debt settlement, which as positive impact in your credit report and for your budget. Your not going to pay the full amount of the debt your just gonna pay 55% or less of the entire debt, and you'll be in credit consulting also that will increase your credit score. You can call me @ 561-404-0190... I'm a financial advisor, so i can give you more information about this. |
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Marie K
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I suggest you look into taking out a new loan from YOUR BANK for an amount that will cover both debts IF you can get a better interest rate and have the collateral. The bank will pay off the previous loans and then you pay them. |
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CatDad
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Debt consolidation can mean two completely separate things: the first is getting a traditional bank loan to consolidate all your debts into one lower monthly payment. You need good credit to qualify. This does not damage your credit.
Debt consolidation also refers to a practice of trying to settle your debts for less (credit card debt only...not car loans). These firms have you deliberately default on your payments and trash your credit rating to settle for less. When you use such a firm, the monthly payment you make is going towards their settlement fees and to build a settlement account. Their fees are taken out first. Your credit cards will not be paid and will go into complete default during this process, which ruins your credit rating. This is deliberate so that they can attempt settlements for 50%. These firms have warm-fuzzy “feel good” ads which give the impression that they are doing your credit card companies a favor and that they’ll gladly work with them.
Many credit card card companies refuse to work with debt settlement firms. Your creditors are not obligated to take any settlement from anyone. You can never predict how your creditors will respond..they might settle at 50%...or they might serve you a summons, take you to court...and if they win, you could be looking at wage garnishment. If the process fails you can end up in a much worse financial situation where you’d have to file for Chapter 7 bankruptcy. |
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