 How is my credit? |
| I am 21 years old. I work full time. Not a home owner. I have carried at least 5 major credit cards and 5 store cards but only have 1 store card and 1 major card now with a balance of 2500. I pay ... |
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 Where can I get approved for a car loan? |
| I DO NOT have really bad credit. My credit score is 680. I have a monthly income of $2700. I applied for a car loan today and got denied because of something that is on there from five years ago. ... |
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 Is this a scam or real would like to know? |
SWIFT PAYMENT CENTRE
IKEJA LAGOS-NIGERIADATE: 13TH /04/ 2007.
ATTENTION OF MR. JOHN JONES
I WISH TO REMIND AND ALSO TO INFORM YOU THAT THE REQUESTED FEES FOR (COT) WILL BE... |
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 How do you finance a ferrari with no credit? |
| I heard you can finance a car if you put %50 down. I have no credit, but recently just started a business that is making me 8k per month. I have $120,000 cash, but don't want to go2 the ... |
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 I cannot afford the mortgage payment on my house anymore. I'm considering bankruptcy or forecloser.? |
| My Credit card debt is less than $2,000 and I can pay them regularly. I cant afford the $2,500 a month mortgage payment. I don't have any other debt & no car loan.... |
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 I overdrafted my bank account by $125. Its been 9 months & I still haven't payed them. What can I do? |
| They sent me a letter saying they cancelled my account so I figured that was it. But My wamu account still exist and I dont know If I should pay it back anyway or for how long its gonna affect my ... |
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 Can anybody help me to find the right credit card, please!? |
| Its been almost 3 years since I got my first Bank of America's Debit card. My friends still asking me..."Why you don't have a Credit card, yet?"...and my answer every time was the ... |
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 I was refused credit by a credit card company. Can I get a credit report for free ? |
| Can i get my credit report for free if i submit this credit refusal letter to the agencies? T... |
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 My dad died last January, and a bill collector is sending me 2 bills daily? |
| Someone hooked a cell phone up in my dads name and all of the sudden, dad started getting People magazine in Spanish. My dad was never able to speak spanish and would never have ordered a ... |
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 Anyone know debt-collecting laws? |
| Can a company collect on a judgment debt that is 15 years old? It's not a real estate or secured loan, just money that was owed. My co-worker is getting letters and calls from a collection agent ... |
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 Capital One Credit Card Debt? |
| I'm finding I can't afford the payments to Capital One anymore. I owe them a total of $4900.00. I've called them and asked them for a lower interest rate and they stated I'm at ... |
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 Does anyone know where i can get an auto loan? |
| my credit isnt great because i had to let the bank take my truck when i lost my job which was months ago now i need a car and i dunno who will finance me i found the car im in love wit only 8,000 not ... |
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 Can being having my tuition payment given to a collection agency effect my credit rating? |
THis is specifically in toronto canada
I have not graduated but they are sending my file to a collection agency
I dropped those classes but they are still charging me like 75% ... |
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 How do I get out from an upside-down car loan? My work has cut my hours and I can't afford the payments.? |
| My credit is bad as it is and I had a prior repossesion 3years ago, I don't need another! I tried contacting the creditor but the will not work with me at all. I have tried several other credit ... |
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kiapoodle | Which is more important to pay when u r in depth, credit card, mortgage, student loan? |
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billy m
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Mortgage, credit cards, student loans...in that order. you can get a deferment on the loans, you can work out payment plans on the CC, but you will lose your house if you don't pay the mortgage!!! |
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E P
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Mortgage. |
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Anjell
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Well your mortgage is first priority because you need to live somewhere and foreclosure proceeds can start with some companies as soon as 2 months deliquency. You need to keep your payments up to scratch b/c when you're mortgage comes of for renewal it will be hell.
Once you get that in check, attack your credit card since it's likely attracting the most interest. If you can't pay it all off which is ideal, pay as much as you can and bring it current.
Then ofcourse the wretched student loan....they're a nightmare...pay what you can. |
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ibettergonow
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Mortgage for sure.........+ |
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B
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Most definitly the mortgage. Thats something that belongs to you, your building equity and its where you live, who cares if the others hit your credit, if you loose your house then that will go on your credit and then you will not have a house and not be able to get one for 7 years, to me the mortgage is most important. |
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coinoperatedashley
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ummmmmm all of them are really important haha but i would say mortgage or you are out of a house, i dont really know since i dont live on my own yet but you need to pay them all! |
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Ray B
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Many will advise that you pay off the debt with the highest intrest rate.
There is also another technique called the "Debt Snowball" outlined by Dave Ramsey (www.daveramsey.com) that has you make minimum payments on all but your smallest debt, and pay every extra cent you can scrape up toward that smallest debt. Once that is paid off, you then apply that aggressive approach to the next smallest amout. The snowball effect comes into play due to the fact that you are adding the amount you were paying as the minimum payment, along with what you were paying on the other debt that is now gone.
This approach has several advantages and works well for many people. Check out Dave's website and books for more detailed info about this and other financial advice. I've been following his recommendations for almost a year now and the only debt I currently have is the mortgage on my house, and I seem to have so much more money to work with now that its not all going to pay for credit card and auto debt (and finance fees).
Good luck! |
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ask.abbey
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KEEP YOUR HOUSE! You can always negotiate the other debt and even get to where you only pay a small portion of it if necessary. I obviously don't know your personal situation, but you might consider a debt management plan or debt reduction service. I found this really neat calculator you can use for free
http://www.mycyberadvisers.com/debt_consolidation_loan_calculator.html
Good luck to you! |
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Chocoholic!!!
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mortgage because nobody wants to be kicked out of their house..you can pay the student loan afterwards too and ur credit card..are you in this situation or something? |
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rydact95
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definatley mortgage, because the worst that the mortgage people can do is take your house away, but whats the worst that your college can do? not edumucate you? |
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Ervin
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Personally believing you should go for mortgage first, then credit card and lastly student loan. Reason is if you have mortgage some thing and you do not pay then it will will be repo so its important to pay that first. Credit card is important go your credit is based on that and you cannot extend the payment period for credit card as compared to student loan. In student loan you can extent the payment period upto 30 year.
Even the debt consolidator go in the same order. They take to into consideration the mortgage asset first and then other.
If you find difficulty in managing your debts then you can go for a debt consolidation company. As they are the experts in the field they can guide you better and provide you with the better debt management plan.
Here is the source of a debt consolidation company named http://ezconsolidation.com for your reference. |
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