 No Doc, Bad Credit, First time Home Buyer Purchase Mortgage? |
| I want to buy a single family home in Louisiana for 165,000. I have never filed bankruptcy. But I have a poor credit score, student loans and am self-employed. That's the bad stuff. The good ... |
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 I keep getting harrassed by this credit agency. I spoke to them and told them that my debit was b/c of them... |
| they were suppose to take money from a bank and the took it out from an old one and i told them to fix it the day it was supposed to be due and they said okay and they took it from the account that i ... |
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 Which would have the biggest impact on my credit? |
| I will be getting a lump sum pretty soon and am trying to determine which would best help my credit--pay off 1 or 2 of the larger loans then pay monthly on the smaller ones or pay off several of the ... |
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 Credit Repair? |
| Can anyone recommend a reputable credit repair company in the Arlington, Tx area?... |
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 Credit Score? |
| I just ran my credit score through freecreditreport.com and it shows my credit score a 9002? Is this correct? I am ... |
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 I have really bad credit but my husband has excellent credit, a few creditors called? |
| and said that they would put a lean on my husbands house (its only in his name) would it be best for me to bankrupt $20,000?... |
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 Debt: Is it ok to show-up to the financing firm after 9 months of non-payment? |
| I had a loan to this certain financing firm but was out of the country for almost 9 months now. Now that I am back, I was thinking of showing-up but I am scared of the consequences since they have ... |
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 Credit report? |
| Does anyone know how I can see me credit report without paying or having to use my credit card? If you go on free credit report.com you can't continue without giving them your cc #. Any ... |
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 Help with credit card debt? I have a situation.? |
| I have about 25,000 in credit card debt,all of them under my business name. The business is no longer exist. The business is partnership. I can not pay for my credit cards anymore. i have been paying ... |
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 Credit Card for Student With Bad Credit? |
| What is the best credit card for a student with bad credit to get and why?... |
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 What do you need to make a visa card ?? |
Additional Details
well..sorry i didnt know that saying 'make a visa card' is wrong ...yes i mean how to apply for ... |
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 A $50 medical bill from my old insurnce co. in 2005 went into collections. my credit is 819, will they sue? |
-I got a Collections letter today for $50!? It's an overpayment from a past insurance company. Date of service was 11-6-2005 for a medicine prescription.
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| Recieved a summons from a credit card. I am being sued for the sum of $11,364.24 with intrest rate of 11.990%. |
| First of all I did not charge this amount. My credit card limit was no where near that amount. I had used the card about 3 times cause about the 4th time when i was going to use it i couldnt find it. ... |
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| Is it bad to keep transfering your credit card balance, just to keep that 0.00% APR? |
Additional Details
You know......when there are promotions they state something like "0.00% APR for 1 year." After that promotional period has ended, does it look bad to ... |
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 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 ... |
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 Credit counseling or debt consolidation? so confused!!!? |
| my husband and i are in credit card debt 35,000.. medical bills around 1,800 and school loan about 5,600... we are paying them all the minimum and killing ourselves doing so. we both work and hard to ... |
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 What's the best way to improve your credit score? |
| Hi. I'm a 22 year old college student and I've had my fair share financial struggles topped with poor responsibility, but now I'm wanting to build for my future. I've torn my ... |
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xcarxcrashx | Where can I get a credit card if my credit is bad and I have a balance on another card? |
I already know I shouldn't get another card...but If I can transfer my old balance... |
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Star Dust
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I work in a law firm handling credit card collections; we have file cabinets full of people like you. Transferring your balance will only lead to further problems. If it is already out of control, contact your creditors and work out a payment arrangement with them BEFORE they turn you over to people like me who will take you to court and then you are liable for attorney fees and court costs and the MAXIMUM amount of interest allowed by law. Find the original credit card agreement that you signed to get the card, and read all the small print. Scary stuff there. Imagine being sued for the principal amount of your balance, PLUS 25% of that for attorney fees, PLUS 25% of that for interest dating back to your last payment, PLUS whatever the court charges are for filing the law suit against you. I see this happen every day. Please try to make arrangements for monthly payments with the credit card company to keep yourself out of this kind of trouble. |
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bbq
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if your credit is bad discover won't give you a card. if you know you shouldn't get another card then don't. IF you're having probelms paying off yor current because of interest rates and lates fees, talk to them to work out a deal or go to a credit counseling service. |
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Studly
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Pagen is right. The collectors don't give a hoot about you or your financial situation. All they want is your money, and they will mess you up bad if they don't get it. Sort of like the Mafia but at lease those guys got a concience.
Try to get the credit card rate lowered.
How bad is your credit? You only have one card and you got bad credit already?
Whatever you do, you need to get a grip on your spending. Too many people get a second credit card to transfer the debt, then just run up the charges on the first card again.
Good luck |
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Joieanew
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If you already haev a bad credit card reported to your credit you chances of getting another one are EXTREMELY small. And if you manage your APR (intrest) will be very very high (24%-37%) which will get you more in debt. You should not make any more purchases using that card (if you can still use it)and call CC co. & set up paymnts. and see if they will waive some of the intrest. Depending on your balance you may be able to strike up a deal. If it has already gone to collections, call the collection agency and (if you can afford it) offer a settlement. Start at 60% of the balance (this must be Paid in full at one time, no pmts) and they will counter or refuse. If they refuse see if they will waive some of the interest and fees and get set up on payments. You need to get this paid off, don't ignore it. Revolving Accounts (i.e.; Credit cards & Cell phones ect.) are the most devastating to you credit and the longer you wait the longer it will take to clear you credit. But don't get another card!! |
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pennydoyle@sbcglobal.net
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try discover |
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hot mamma
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you shouldn't get another credit card. it won't help you clear your debt. It will just make you deeper in it. try to pay back what you owe and clear your debt. |
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nakjns75
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maybe u should try a prepaid credit card. |
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sean1201
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Premier Bank or Orchard Bank, look them up on the Internet. |
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Credit Guru
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First off if your credit is as "bad" as you say you will probably not get approved for another credit card. Stop applying immediately. Every time a lender pulls your credit your score is going down.
If you haven't already you need to get copies of your credit files and review them for accuracy. Go to www annualcreditreport.com and get them for free once per year. This will also not lower your credit score.
Review your credit reports for accuracy and dispute any thing you believe is incorrect or unverifiable.
I'm not sure what you are meaning by "bad" credit, i.e. Bankruptcy, Judgments, Collections, Charge Offs, Late Payments, etc. Each situation requires a specific targeted approach to improve your credit score.
Post a more specific question and I will see if I can help
Good Luck |
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