 Capital one keeps reporting on my report even through its charged off when will it come off my report? |
Additional Details
so even through they keep reporting it will come off 7 years from when it was charged ... |
|
 Should i file for bankruptcy? |
| i have over $13,000 in debt, including medical bills, credit cards, and student loans... my minimum payments each month are averaging just under what i make monthly. i'm barely scraping by and ... |
|
 What is the reasoning for employers doing credit checks before hiring? |
| and can you refuse it, and can they not hire you because of a flaw on your credit- and how much weight is actually placed on a credit check for a job?... |
|
 Credit collection? |
| I have a collecting from Palisades Collection LLC that is on my credit report. My current score if 650, not good, but not horrible. I am trying to raise my score. the collection is from Alltel for 300... |
|
 I rent a room from someone and I love it but their credit card company is harassing me.? |
| I rent a room from someone that I know personally. I love living with them and they really need the extra money. So please do not suggested that I just move out. The people that I am living with ... |
|
 Trying to repair bad credit. need a major credit card approval to start building.any suggestions? |
| i've never had a credit card before, but have been told if i establish good credit with a card company it will begin to repair my bad credit.my bank declined to give me their in-house visa. are ... |
|
 I have lots of Credit Cards? |
I have a few credit cards from sears the bay ect ect
Will closing them make my credit score go down?... |
|
 When you write a check, how long is it good for? |
| Example: If I write a check on Sept 1st, can someone cash it still on Nov 1st?... |
|
 Credit card offers...is it safe to toss the entire envelope into the trash? |
| I get them in the mail every day. Sometimes I let them accumulate and then end up opening up every single one so i can rip them up and throw them away. Is it safe just to toss it away without ... |
|
 Credit Debt Question??? |
| I have about $3,000 worth of credit debt. 4 of them are past due and 2 went to collections. My mom is paying them off for me. (Long story, and I know its embarrassing) How long will it take for my ... |
|
 What is the easiest credit card to get approved? |
| For a new person that has very little credit what is the easiest credit card to get approved? I've tried a few already and I've been turned down.... |
|
 Does paying old debt help my FICO score? |
| I have some old hospital bills from 2002 and 2004. If I go ahead and pay the debt collectors will this increase my score? Also, if i do pay off the debt, does the debt still show on my credit report?<... |
|
 How high of credit do I need for an alternate loan for college? My credit is currently 730.? |
| I don't have any cosigners so I'm trying to build my own credit but my college balances are catching up with me. I don't have enough federal aid to cover the entire bill and my mom ... |
|
| Countrywide still advertising!?!? |
| I was just on Yahoo's home page and saw an ad for Countrywide... But yesterday I heard on the radio that they're asking for ANOTHER $2bil after Bank of America already invested the same ... |
|
 Using my credit cards to put up a business? |
| I use my 20 credit cards to finance a business, my business is doing well but all my earnings are used to pay for my credit card debt causing my working capital to suffer (no cash on hand).. Any ... |
|
 Can credit card companies make my dad pay for my moms debt? |
| the credit card was only in her name(no joint or authorized user)so the company is saying that since the house was in both mom and dads name he is responsible to pay her debt(9,500) because he can ... |
|
|  |
Elle C | What is the best way to pay off an $8,000 credit card? |
My current card has $8,000 on it and the percentage rate skyrocketed to a 24% interest rate! I did not read the fine print and after the introductory 0% rate, the interest rate increased. I closed the account about a month ago, and cannot use it anymore. I am making $300 payments ($50 more above the min.) every month but I am hardly making a dent!
Is it a good idea to do a balance transfer to another card with a lower rate, or is there a better way? I am committed and eager to pay this card off! Any ideas? |
 |
 
chucksright
 |
try to get a bank loan at a lower finance rate.
you may need a co-signor or need to put up some collateral but you'll save $1000's buy not paying the high interest rate. |
|
bdancer222
|
Closing the account while you still owed a balance wasn't a good idea. You don't have any leverage since you aren't a customer anymore. You can ask, but they are not going to lower that rate for you.
If you can transfer the balance to a lower interest card, do so. But then take every penny you can squeeze out of your budget and throw it at that debt. The faster you pay that off, the more you save on interest.
Credit cards should never be used as long term finance. They are only short term convenience. |
|
armond
|
dont pay your payments for 2 months and then call the company and tell them that youre going bankrupt and you cant pay them back all of this money and you want to negotioate this amount, this works they will cut that to half atleast |
|
T.J.
|
Yes, you need to get a lower rate. Call the Credit card company and ask for a lower rate than 24%. Tell them if they do not give you a better rate then you are going to transfer the balance. They will probably come down from the 24%, but if not then transfer it to another card.
Try to make bigger payments if at all possible. 300 dollars a month will barly cover the interest. |
|
OpenMind
 |
24% is way too high, that is like $2k a year! I highly recommend that you transfer to a lower rate card to pay it off. Make sure it will stay at the lower rate, and keep paying as much as possible every month. If you are getting a tax return use that to pay down debt, and then do not carry your credit cards on you. Keep then in a safe place at home and only use them in absolute emergencies.
Good luck |
|
Collette L
|
Join a credit union and get a loan through them to pay off the card then pay off your loan with the credit union or your bank.
If a bank won't touch you then put the balance on a new 0% card and pay it off early.
Watch out for extra transfer fees too. CC companies like to do that in fine print.
But, if you can go through a real bank or credit union that would be the best way to go. |
|
younglady50
|
As soon as you can, apply for a credit card with an interest rate of 8% or less, maybe a 0% one with a fee. It will be worth it in the long run. If you can't put it on one card, then try to apply for two cards and divide the amount owed. The amount you pay towards it will be able to get your balance down faster.
If there is any way, no matter how small, to cut down on your expenses for a while. Put any extra money, towards your debt.
That debt will go down faster and you will feel so much better.
I know, I am in the process of doing the same thing. I just transferred a balance of $4,000.00 to a 0% cc for a year. I am doing everything in my power to put extra on it. I am presently putting 170.00 faithfully. I was able to put another 100.00 on it by cutting out on some things. Good luck |
|
kelly
|
I would do a transfer fee but you must divide that by 11 months or you will be back in the same boat that you are in now, if you are getting monies back in from the IRS use that monies or the sitmus check also. If you have to pick up a second part time job and iknow it will be hard but won't last forever and to get this monkey off your back will be well worth it. |
|
pixelatedfaerie
|
I would say if you can transfer at least some of the balance to another card. Just keeping paying at it. What I've done is cut out unnecessary expenses such as dining out, and apply what you would usually spend on those less important things to your CC payment. It does help. |
|
Cazman
|
Call your credit card company and tell them you can't afford to pay them unless they lower the interest rate. Most card companys are happy to work with you. You should be able to get that rate under 10%. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 35 minutes(s) ago
| | | |
9 | 53 minutes(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
9 | 5 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 3 day(s) ago
| | | |
9 | 4 day(s) ago
| | | |
10 | 1 week(s) ago
| | | |
9 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
