 How to start my credit history? |
| What is the first step should I take to begin my credit history? Loan, credit card?... |
|
 Is it better to pay off old debt? |
| my husband has some old stuff on his credit report that is now in collections. some of the things are 3 years or more old. is it better to pay these collections off, or will they eventually fall ... |
|
 I am 20 years old soon to be 21 is 710 a good credit score for me? |
| Does everyone start off with a score of 830 and then it drops down or do you work your way up to a perfect score? What does my score of 710 actually mean? I do have credit cards but whenever I get ... |
|
 Should I take a loan offer from the United Kingdom? |
| I have had 3 or 4 loans offered to me and they want me to wire them a 200 dollar lawyer fee. Should I or has anyone else in here done this. I am in desperate need because of school and also my other ... |
|
 My credit rating is awful.? |
| My curent credit score is 511. I have been paying ALL my bills on time for 8 months now and have also cleared 2 defaults, but my score isnt improving. Ihave registered with experian and have been ... |
|
 Is there somewhere i can get my credit report for free? without entering a credit card number...? |
| i don't want to give up a credit card number...i feel that if they say FREE CREDIT REPORT that i should not need to provide a c.c. # sounds like they are trying to pull a scam...i know that i ... |
|
 Credit score below 520 and in need of a loan can any body help? |
| i am in need of loan and my credit score is below 520 due to a divorce I am a single mom with 3 small kids I am looking for some lender that can help me I have no money to pay out and prosper my ... |
|
 Should I get a personal loan to pay off credit cards? |
| I currently have two credit cards (#1 - $1569.94(14.99%), #2 - $4,153.37(15.99%)) I'm having no problems paying them down, even though it is going down quite slowly. I am usually paying the ... |
|
 I need help really really bad.? |
Hi and thanks for taking time to help me.
About 2 months ago I was preapproved for a new/used truck from a reputable dealer. I took every precaution known to man to make sure it was true before I... |
|
 How to stop creditors sending letters and calls? |
| I keep getting calls and letters from creditors for my daughter. She has not stayed at home for over ten years now and never had any credit here. I have returned the letters unopened and when they ... |
|
 My FICO score is 397. Is there any unsecured loan I can get to help pay off debts? |
| I would love to better my credit, but I need loan to help pay off some debts to do this. Is there any loan I could receive since I have poor credit hiostory?... |
|
 Which is best to clear first? Overdraft or Credit Card? |
| Which would be best to clear first to improve credit rating?... |
|
 Yo, can someone buy me a virgin moble top up card im a kid and totally broke.? |
| I you want to help me u can buy me the pre paid card and mail me the pin #... |
|
 How can I get a starter credit card with no credit? |
| All I need is a couple a credit cards companies that help out with bad or no credit.... |
|
 What is a good credit card I can get where I don't have to pay a monthly fee? |
| What is a good credit card I can get where I don't have to pay a monthly fee? Does Capitol One have one? If so, which one is it? I don't want a store one like JC Penny's or something ... |
|
 What is the best way to eliminate credit card debt? |
| I was working a job, $12/hour and living off it, or not, and ended up $3,000 in credit card debt. I just started a better job at $18.5 an hour and need advice on how to best pay off that debt. Wait ... |
|
|  |
dumbaunt | What rights do co-signers really have? |
I was stupid 2 years ago when my neice needed a cosigner for her student loans. She promised me and her mother that she would never, ever not pay the loans. Well, now she has changed her mind and decided to just walk away leaving it all up to me. As long as I pay, her credit remains perfect. If I don't pay is the only way to effect her credit. How can I show her student loans as defaulted on her credit? |
 |
 
tams
|
Unless you are willing to sabotage your own credit by not paying, then it will appear as paid as agreed on her credit report...you can do nothing besides pay. However...if you take her to court to force her to pay you then not only will she be forced to repay what she owes (directly to you...you will have to continue paying the loans yourself, but you can use the money she pays you) but the judgment against her will appear in her credit report and will negatively affect her credit rating...and if she doesn't pay then she will have to face the possibility of contempt of court, wage garnishment, and liens when you enforce the order...good luck. |
|
odorisio2004
|
you need to contact a financial attorney consulant |
|
Chris M
|
I hate to tell you but you're screwed. She needed a co-signer for a reason. If she doesn't care enough to pay it back she doesn't care what it does to her credit. You are going to be the one to pay the price for it in the long run |
|
Studly
|
That's the danger of co-signing a loan.
What you can do is sue the niece. The judgement will go against her credit report. You can then go after here property or garnish her wages. Once you win your judgement you can hound her for an awful long time.
Unfortunately that doesn't get you out of paying her loan. sorry. |
|
jack430
 |
I don't think you can win.
If the loans are not paid, the lender can take action against you.
As you said, you were stupid two years ago.
This is a first rate example of being too soon old and too late smart! |
|
charlieandluella
 |
if you co-signed, it will not only affect her credit, but yours too. You were basically guaranteeing that it would be repaid |
|
Tina
|
If you co signed and she doesnt pay you are fully responsible for paying the loans back. It will affect your credit if you dont pay. It will also go on her credit. |
|
jibbers4204
|
The only thing u can do is probably take her to court and sue her for the money but u willingly signed those papers saying if she defaulted on the loan that u would take up the loan payment. I would think u are stuck paying it. Get ahold of the bank that loaned it to you and see if they can help u make her pay up. It might be a very expensive lesson not to ever go-sign a loan for anyone.
If u do not pay the loan or someone is making the payments then it will ruin your credit as well. |
|
korbbec
 |
The only thing you can do is take her to court and sue her for the money. There is no way to not repay the loan and have it only affect her credit. It will ruin yours too. I would take her to court, don't just let her get away with it. This is assuming she has no good reason for defaulting. |
|
celticgirl27
|
if she doesn't pay it you have to. but, you can take her to court and sue. may not sound like a great idea since you are family but if you don't, and she refuses to pay, you will have to make all of the payments leaving you SOL. she needs to learn this is part of life and when you have responsibilities you can't just walk away because you just don't want to pay for it anymore. to be fair, sit her down and tell her what you are going to do if she doesn't pay the loan and that it will not only effect your credit but hers as well. also let her know, if it's on her credit, good luck finding a decent apartment or buying a house until it's resolved. |
|
Jack Kerouac
 |
if you cosigned yoru stuck paying it..or you lose yoru credit rating....in the meantime....disown this twit......of coruse make it knwown you jsut won the lottery a few days before... |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 7 minutes(s) ago
| | | |
11 | 31 minutes(s) ago
| | | |
11 | 51 minutes(s) ago
| | | |
11 | 3 hour(s) ago
| | | |
11 | 7 hour(s) ago
| | | |
11 | 8 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
11 | 1 day(s) ago
| | | |
11 | 2 day(s) ago
| | | |
11 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
