 Credit Score dropped...how can I get it back UP? |
| The last 6 month I worked so hard to get my score up to a 710 and when I moved I neglected to check my cable bill at my old address. I was sent to collections over 55.00 and my scores dropped into ... |
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 I am 23 years old, i am unemployed, and i am $20,000 to $23,000 in debt i dont know what to do? |
| I dont know what to do i am about to just let them go? i did good at keeping up with my credit at first but right now is just too much i been unemployed for awhile finding money to pay for the ... |
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 How to build credit up? |
| cause i dont have any credit and i cant get a credit card ... |
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 Secured Credit Cards? |
I just opened last week 4 secured credit cards with $300 credit limits each. I need to repair my credit...
If I charge $10 on each monthly then pay all of them off monthly and keep doing ... |
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 Do those debt consolidation websites really work? |
| My boyfriend is around $17,000.00 in debt. He almost signed up with one of those debt consolidation companies online. What they told him to do in a nutshell is to pay them X amount each month and not ... |
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| Credit card interest rate jumped to 30%! Why? |
| My husbands Washington Mutual credit card jumped to 30% interest. We have never been late on a payment and we pay way more than the minimum in order to pay it off. Right now the balance is $423.00 (... |
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 My nephew has a bunch of bounced checks? |
| He has bounced about 5 checks and has no money to put in the bank to cover what he has written + fees and such. He has no job, so no way to pay them back and none of the family is willing to loan ... |
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 Is it a good idea to take out a small home equity loan to pay off credit cards? |
10000$ to consolidate 7000 in debt, the going interest rate is 7.5 % we are currently paying between 13%-23% on the cards
Additional Details
the remaining three thousand will go torward ... |
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 Am I responsible for my girlfriend's credit card that is in my name (she is additional cardholder)? |
Her name is actually on the card... If we break up and she does not pay it, can I go after her legally?
Additional Details
She has a totally separate card eventhough she is on my account ... |
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 Go bankrupt or not pay? |
| im not sure what bankrupsy is everyone tells me don't do it. bc i will still have to pay it back. but right now im not paying on my credit card debt. so do it or just let it keep racking up?... |
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 What credit score should I go by? |
| transunion experian and equifax all have different scoring methods. which one is most accurate when it comes to what a creditor will look at...? So basically is the equifax score closer to what a ... |
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 Who here is getting sick and tired of 'where is my rebate' questions? |
| I just wish some of these people would at least read some of the answers pertaining to the rebate before asking the same question over and over.... |
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 I'm confused...do I need credit card...help? |
| I have recently moved to US (legally :-) ) and I have been watching a lot of shows (while I'm home with my baby) and I'm trying to find out what's the best for me...the only one thing ... |
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 When I move, how do collection agencies get my new address? |
Additional Details
I got no utils, its a rented room in an established company.
My bank account? <-- my ... |
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 Can someone help me get a loan to pay-off all cedit debt that I owe? |
| I do have a job but may credit is extremely bad and I need to turn that around please help me.... |
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 How do I stop a bill collector from calling my number, they have the wrong number? |
| Companies have been calling my number for a person sho had the number before...fair enough...but it has been a year since I got this number. The same companies are calling. I have threatened to ... |
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 What should I do if the billing department keeps harassing me? |
| I was the passenger in car accident last February. i went to the hospital to get checked out and I was fine but just for looking at me and taking an X-ray cost 277.00. The insurance company of the ... |
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 We are drowning in debt......dont know what to do? |
| We have been hit so hard with car problems, hospital bills, medication, etc. I have bipolar disorder, and also fibromyalgia, my boyfriend has a terrible back problem and has had to miss tons of work. ... |
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LyndseyGetsLucky | What is the best solution for credit card debt? |
I am way in over my head, I have 6 credit cards and I'm over $12,000 in debt. I have tried to take out a loan at the bank to consolidate but i got turned down. I can barely afford the minimun payments and it has ruined my credit. I need HELP! |
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SPIFIMAN1
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Contact Consumer Credit Counseling Services at 1-800-388-2227.
They are the oldest and largest non profit credit counseling service in the Country and have agreements with all major credit card companies so they can lower your interest rate and monthly payments.
I used them several years ago and was debt free in36-months. You will lose all of your credit cards until the accounts are paid off, but you obviously don't need them anyway. |
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smile07
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Read this series on articles on 'How to get out of the debt hole': http://www.usaindebt.com/2007/10/02/getting-out-of-the-debt-hole-part-one/ |
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curtisports2
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Cut up the cards so you can't run yourself into more debt.
Learn to live on what you earn. Get a second or even a third job. Do whatever you must. Be responsible. |
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jplrvflyer
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You are going to need to seriously curtail your spending. You need to look hard at how you spend money and eliminate all unneccessary expenses. You might even need to move back in with your parents until you pay everything off.
There are companies devoted to helping people like you out. The trick might be finding one that will treat you fairly. What they do is consolidate your debt into a single payment at a high but more reasonable interest rate. They also make you do a budget and take all the other steps to fix your spending habits. |
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Pat
 |
First thing you need to do is get rid of the credit cards.
Capitol One Credit company offers a credit consolidation loan that you may qualify for if you are being turned down at other financial institutions. My wife and I used this, the interest rate is still there but at a much much lower rate. |
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david a
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Change your spending habits
Stop using all your cards
Transfer balances to Lower-interest credit cards
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http://www.bestcreditrates.net/ |
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gonzo
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First you have to stop spending money, second you must pay your credit cards in full and then close most of them. You don't really need more than 2 credit cards and when you come out clean don't spend more than you can afford. Pay your balance in full each month! |
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Don B
 |
Heres and idea--- STOP SPENDING MONEY!!! |
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jmiller
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Cut corners and cut up your cards. Stop spending on unnecessary stuff like coffee, fast food, etc. Don't do those credit counseling stuff they're a rip off. Pay off the lowest balance first so u can concentrate on the higher ones later. |
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bryanthegreat
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you should have thought about it before using those cards.... |
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