 Plese tell me how bad or fair my credit scores are? |
| hi i would like to apply for a loan through a credit union (TDECU) but i'm scared my credit score isnt high enough. my future husband has somewhat good credit and is already on his second loan ... |
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 Can debt collector file lawsuit? |
| ok yesterday i sent a debt verification letter to this debt collector. ive already talked to them once but didnt agree to anything or give any info. just so happens some lawyer i think has something ... |
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 Anyone know a place to actually GET a loan with bad credit? |
| We want to, more or less, get a loan for debt consolidation. We screwed up in the past, and have never been able to catch back up again to do it "right" We've gotten our sh** ... |
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 Credit score? |
| I have a credit score of 550 and I am trying to get it up. I have paid off the majority of all the stuff that was bad on it except a few Dr. bills. I tried to get a home loan and they told me that if ... |
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 Can i sue my credit card company? |
| I try to make is short. Last year, I made my final payment on my interest free consumer credit card via online banking. When I got my following statement it shows that payment was not received and I ... |
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 What will happen if someone with unpaid credit card bills leaves the usa with no intention to return? |
| Let`s say one has a total of 8k outstanding balance of different credit cards. If this individual leaves the usa without paying the debts (lets say to africa or russia) will there be any criminal ... |
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 I am looking to buy a house, but my fico is low. How can I raise my scores - fast? |
| I live in So Cal and the price to buy even a 1 bedroom in a run down neighborhood are outrageous. I make enough to pay the mortgage for a $550,000. home, but I need to have a 700 fico to be given a ... |
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 I think I have been the target of fraud...perhaps a debt collection fraud? |
| Today I received a computerized voice message which stated that I should call back to discuss credit issues. I did return the call, but after 'waiting for the next available person' it ... |
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 How do I get a hospital to write off a medical bill? I was uninsured and racked up $20,000 in debt!!? |
| I am a single Mom working full time now, but I am just barely getting by. My $20,000 debt is killing my credit and making it so hard to live. I do not want to file bankruptcy.... |
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 What do you do when you are a few steps from being homeless? |
| My family and I our loosing our home of 14 years all because we tried to help someone out that had no where to go, and was homeless, and now because HUD calls her an unreported person, we have lost ... |
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 When it comes to credit cards, which is best? |
| During this season I am out there buying gifts for everyone. I want to know which is best. Should I wet a credit card from each store lets say one from IKEA, one from GAP etc. Or just get one as C... |
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 What can I do to establish my credit? |
| It's not that I have bad credit. I just don't have enough credit. I have two credit cards, one small one for gas and for everyday purchases when I don't want to use cash and the other ... |
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 How long do we need to keep all the bank statements/utility bills/credit card statements etc.? |
| Recently i was shredding away loads of papers and didnt know what to do with these tho.And they occupy hell a lot of space and weight.Pls ... |
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 Why is the interest on my credit card going up every month despite paying more than the minimum payment |
| I have been paying £10 more than the minimum payment for a few months now but i've noticed that the interest I'm being charged is increasing. Last month it was £33 (back breaking aaaaargh)... |
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 What is the formula to calculate the credit score? |
| Don't need your guessings or "I think". Real serious answers from knoledgable people are very appreciated.... |
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 Has anyone filed bankruptcy without using a lawyer? |
| I've been thinking about filing bankruptcy using one of the websites that fills out all the paperwork for you and then all you have to do is bring them to court. they garuntee their work, if ... |
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ghillips2003 | What happens when you can't pay your credit card, I owe more than I could pay off in a lifetime? |
I owe 20.000 dollars@ 500.00 a month. I no longer can pay it.I feel extreamly bad, and scared of what might happen. My name is the only one on the account, I know it will ruin my credit , but will it also ruin my wifes credit? HELP ME PLEASE! |
 |
 
D S
 |
Call the credit card company and be up front with them, you blew it. You will have to surrender your credit cards, and you will no longer be able to use that credit card.
Make a payment arrangement to pay off the balance, and do not miss a payment. Request for your finance charges rate to be reduced until you are on your feet again. When you pay minimum payments all you are doing is going around in circles.
Contact a non-profit organization to consolidate all of your debts. They will send letters to all of your creditors, and make financial arrangements for you. You have to be willing to work with them and give up some of the extras that you have now. |
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Chef Tony
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I just found out that some lenders can charge you for not making payments on other credit cards. If you owe 20k on a Bank of America Visa and you have a Chase MC, your APR on the Chase MC could get increased w/o you ever knowing. They can do this and it's not against the law. You may need to file for bankruptcy. Good Luck! |
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Lil'Menace
 |
From a collectors view i will tell you ....we cant do anyting I know people who owe more...BUT YOU MUST WORK YOUR *** OFF GET 2 3 JOBS IF YOU NEED TO DO THE RESPONSIBLE THING AND PAY IT OFF ALSO LOOK UP YOUR RIGHTS WITH THE * F D C P A * SO YOU WILL KNOW WHAT WE ARE ALLOWED TO SAY AND NOT SAY CUZZ SOME COLLECTORS WILL LIE ....GOOD LUCK...PS IF YOU LEAVE IN OHIO WE WILL TAKE U TO COURT |
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asgapollo
 |
consolidate. |
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Sharon S
 |
The best thing to do is contact them and work out a payment plan you can afford. Tell them that you can't afford this. Most will work with you if you are at least willing to try and pay it off. |
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Butch
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i've done that i had a minimum monthly payment of $50- and only $30-. went toward the principle seems thou i was looking at 5 years to pay this off, $3,000 so i had to sell some mutual funds, well i lost my funds growth but saved on future credit finance charges. |
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captbriz
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You have a serious problem and need to get your self enrolled in credit and debt counseling. Waiting and putting it off is the worst thing you could possibly do. A good credit counseling service will help you work out a monthly budget. They will help you work out a payment arrangement with your creditors that you can comfortably afford to pay. It will also stop collections phone calls. Some good ones are Consumer credit and debt counseling, Christian Credit counselors.
Make sure you avoid services that hold your first payment or tell you not to pay your bills.Those one are shady. |
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SPIFIMAN1
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Contact Consumer Credit Counseling Services, they are a free service that will work with your creditors to lower both your monthly payments as well as your interest rate.
I used them several years ago and was debt free in 36-months.
Since your name is the only one on the accounts, your Wife's credit will not be effected. |
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goodfella
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omg dude i guess you can declare bankruptcy on your cards then start over then clear your name and get money in your account so you would be able to support yourself and dont apply any credit cards well you can just cards like american express or visa.just make sure you dont overspend on them and make sure you pay the debt bills on time. |
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