 Does anyone know how to get an easy installment personal loan? |
| I am not looking form much, just 500-1000 dollars. I don't have that much of a good credit, maybe 550. I am trying to pay some stuff off so I can only have one payment and that will help my ... |
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 Credit Card Fraud.? |
| A paperless credit card I had for last 5 years was fradulently used for the last 18 months. As I use it very very rarely, and having used in Dec. 2006, I checked the e-mail statement. I was shocked ... |
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 Is it better for me to get a credit card or a debit card? |
| I've never used either one before. Should I start off with a debit card?... |
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 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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eyes2873 | What is better for credit ? pay monthly to collection agencies full amount, or settle for half of what owe? |
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Miss Know It All
|
If they are at a collections I would try to settle and show them as zero balances as soon as possible.
Thank YoU! |
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sugarBear
 |
pay whatever they ask for & in full |
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azjohn2001
 |
Neither is better - paying off an old collection account or making payments on one will actually HURT your credit score. The older a collection account is, the less damaging it is to your score. If you make a payment on it, or pay it off, it is calculated as a newer collection account, and your credit score will go down! Fair Isaac is working on removing this glitch in their scoring system. However, even if they do, a "Paid Collection" is just as negative as an unpaid collection. |
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Delaina77
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I say pay monthly. I tried settling and not only did it mess up my credit more but it also messed up my income taxes. Anything they write off over 600 they report to the IRS and you have to pay taxes on it. |
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yahweh550
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If they are bills that are not disputed, pay in full.
Either way you pay it will remain on your credit report for 7 years.
Offer them one half if you are disputing. |
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beauty s
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if u have the money pay in full....
if not do the settlement |
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maxonaut
 |
to build credit, make monthly payments. it's a record of reliability. if you pay off all of you debt each time, it does not look as good as a regular monthly payment. so go for the half,, then go with a monthly. also, pay attention to your debt to credit ratio. never use all of your credit. only 50% at most. this and monthly payments make debtors love you, and give you a high credit score fast. And always pay on time. |
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LUKE
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It's always best for your credit to pay them in full if you are a able. If you are not able, you'll want to try to work out a settlement that you can pay in one payment.
Rarely is it a good idea to do a payment plan with a collection agency. Usually you are better off saving 50 - 70% of the balance, and then negociating a settlment in writing before you give them one penny. |
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moyemrick
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Try to settle for less, but if you can't, I suggest you try to pay it off ASAP since they will keep dinging your credit with delinquencies.
To pay them off and If you've got a stable job with a good source of income, you might be able to apply for a loan through a website called Prosper. This site is a People-to-People (P2P) lending site where individual borrowers join in on the loans to help fund yours. The following is a link of a group that can help to walk you through the whole process:
http://www.prosper.com/groups/group_home.aspx?group_short_name=LIFFE&utm_campaign=referrals-unknown&utm_medium=referral-link&utm_content=link&utm_source=referrer-FundingLIFFE
Best of luck |
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oops ok!
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Settle and be done with it! |
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Kris21
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Pay monthly if you can. Writting it off or charging it off hurts your creidt score. |
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