 Is it good to have a balance on your credit card? |
I'm new to credit cards.
I was always under the assumption that paying the full amount that you put on your credit card that month, at the end of every month (right before the due ... |
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 I'm 48 . Is that too old to start getting a Ph.D? |
| I mean most people my age are thinking of retirement. I feel like Rip Van Winkle.... |
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 Need help dealing with a collection agency? |
| These big Turds from Allied interstate collection company is calling my cell phone every hour looking for my wife. They are trying to collect a credit card she stoped paying 10 years ago in ... |
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 I checked with 2 credit scores sites. my equifax fico score is different. one is 518 and the other is 621 ,? |
| how do i know which site / and score is correct. i think this some bulls*** , unless someone tell me otherwise. please help me let me know, also what can i do to get credit score up. i have one line ... |
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 What credit card can I get if I have bad credit ? |
| I have bad credit and need a credit card. I need one that I can use to withdraw funds from the atm or use to make a money order. This is to pay my rent thats why I need either the cash or the ability ... |
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 Is this a scam? |
| someone claims to be a gov't official and wants to give me a $5,000 grant that i have to never pay back because i'm qualified. All the info he wants is my bank name and bank account #. He ... |
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 What is the best credit card for college students? |
| Can anyone tell me what the best college student credit card is? What's usually the credit card limit for students? I'm planning to get it just in case I need it when I go to South Korea ... |
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 Would you live in a van for 3 months to become debt free? |
How about in a small car?
Author and millionaire Robert Kiyosaki (sp) wrote that he was living out of his car for awhile.
Additional Details
Maybe 6 months is more realistic.... |
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 How can I remove charge off's from my credit report? |
| Can someone please advice some good advice on this matter.... |
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 Can I legally do this? |
I have a paid $10,000 federal tax lien on my credit. The IRS placed the lien on there last year and just a few months ago, I was finally able to pay them off. On my credit it shows as released.
<... |
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 I don't know how to fix his credit!?!? |
| my fiance has a credit score of about 550.we would like 2 buy a house soon,but i'm sure its pretty obvious that wont happen if we dont fix the credit problem.i have a few ??.i know this is going ... |
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 Credit card help buying fleshlight but 17? |
| Im 17 and have a pre paid master card im buying something that you ned too be 18 for if i just check off the verify that your 18 box on the site will they be able too find out im 17???... |
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 Is Capital one a good credit card to start with? |
| I want a credit card for just emergencies and I have a good steady job. If capital one is not good what is a good credit card to start with?... |
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 What is the biggest amount of debt you ever paid off? |
| I am currently writing my story on my blog. On Christmas Eve 2008, I was unemployed with $647,000 of debt. I have since read Dave Ramsey's My Total Money Makeover and I am intensely focused on ... |
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 I would like my automobile repo and would like to know what is going to happen after? |
| I let a person use my name to purchase an automobile and his negative equity on his prior automobile cause the loan to be 45k. The car is worth 25k and the loan is still 40k. The person split and now ... |
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 Credit Card interest rate went through the roof, why? |
| Can someone help me? I got my 2 credit card bills the other day one is HSBC Bank and the other is CITICards, both showed an interest rate 19.99%. I paid both balances off in full and am considering ... |
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 Pay one off or put a little towards all? |
| With my tax refund Im going to pay credit card bills, however, which is smarter? Put the refund all on one card or put a little on each card?... |
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 If I had some money paid into my bank by accident do I have to pay it back? |
| I mean I really don,t have to say one way or another if its even in there If somebody asks do I?... |
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 Whats the best credit card for a 18 year old? |
| I need a credit card, that has no annual fee. Ive been looking into the PayPal Mastercard, but it says it has a minimum finance charge. Even though this probably wont effect me as my parents will be ... |
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 Does paying off your credit card balance in full every month still build credit? |
I am an 18 year old first year college student and I have a student visa through my bank. I have a 700 dollar limit and I think a 17% interest rate.
Every month I charge like 40 or 50 ... |
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Princess | What is the right way of fixing your credit/paying off your debt, without outside assistance? |
My husband and I want to sell our house, but have made the really difficult decision not to at this time, since our debt seems to be really high. We've got about five student loans, two mortgages, two car loans, four credit cards and then all the rest of the house stuff - utilities, insurance, etc. What suggestions do you have for paying off these debts so that we can pay more off on our mortgage and start actually getting ahead of the debt? We're already trying to pay off the smallest debts first, and once paid off, paying that amount towards the next smallest, but this doesn't seem to be going fast enough. |
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firewife
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Well paying off things is a great idea, but instead of paying off the smallest debts first you need a better plan. Most financial advisers say to find your accounts with the highest level of interest and pay as much as possible every month on those. Keep up your minimum payments on all other accounts but focus on paying them in order of interest. This will save money in the long run by not paying as much in interest. Also if you are able to make one extra mortgage payment a year, such as tax time or maybe a bonus, it can shorten the life of your mortgage by almost 5 years in the long run. Hope these little tips help. |
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rickb3825
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It is a lot easier to get into debt, than to get out. It sounds like you are on the right track, the train just doesn't move fast enough! Do not call creditors unless you are in REAL trouble. This can effect your credit scores negatively. What you may be able to do is call and ask them to reduce your interest rates, sometimes this will work. The other thing to do is watch the mail for 0% offers. But be careful of these, read the fine print, be aware of how long the offer lasts, what the interest rate is when the offer ends, be aware that any outstanding or purchase balances won't be paid off until the zero percent amounts are paid off, and if you use a new account to pay off an existing account, don't close the existing, just cut up the cards. Credit scores are funny things, if you have too much credit but low balances it can hurt you, but too much credit with moderate balances can help. Don't close accounts that you have had for awhile, the amount of time you have had the account is valuable to your score. After you begin to make changes I would suggest you go to "myfico.com" and sign up for a fee based service that monitors your credit score. It will notify you if anything happens to effect your score. Good luck, and don't be afraid to take your time. |
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leonardhomes@sbcglobal.net
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Go back to the basic's. If you have cell phones and a home phone get rid of one or the other. Sell one of the cars and either share a ride with each other or take turns car- pooling. and since you are on the internet give that up too.
internet cost min= $23.00
cell or home phone= 50.00
car payment aprox = $300.00
extra ins on car = 30.00 month
This is just an example if you put a little thought in some of your extras can save you hundred's a month. Hell cable t.v is at least $50.00 a month. Just do a little cutting back and it will pay off very soon. Good luck
P.S. rates`are great right now maybe a re-finance on you home could be the answer. |
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rubberduckygeorge
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call those places and just tell them you are having a financial hardship, be nice and they might lower the payments or even forgive some of it. |
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bud68
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Keep up the minimum payments on all, then put any available amount toward the highest interest rate items. With that much debt, you may need to look at getting second jobs for a while. |
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blood4eva69
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call them and set a payment budget. u should set how much $ u can set apart to pay those bills and let them know payment is on the way |
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chicata25
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Why do you have two Morgages? Sell one of the houses, and use the money to pay your debts. |
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none
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Sell the cars, drive beaters for a while. Attack the smallest debts with those former car payments. Cut up the credit cards and change spending habits. Cook at home etc. They will all start to go away. Just takes time and conviction. Good luck.. |
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