 What is my credit score? |
| I got my report back from transunion and its only a two page report but know where on it does it have my credit score. Does anyone else know where its located on the report or what????... |
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 How do I go about consolidating 10,000$ worth of credit card debt without using a debt management company? |
| Myself and my soon to be fiance are in a lot of credit card debt. Between the both of us we always pay our bills on time but now it is starting to become a problem where it is getting overwhelming. I ... |
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 What are pay day loans? Are they scams or rip-offs? |
| I'm having trouble getting a loan for $1000, I am considering a pay day loan, but don't know what they are.... |
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 Is is better to close a credit card when you pay it off or leave it open? |
| I heard that it helps w/ debt to income ratio...I had a few cards, paid some off & transferred balances..now I have two, One w/ a balance on a 0% card & one that is paid off, but still open &... |
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 Capital One Platinum Visa credit card? |
I have a capital one Planity credit card, they gave me a $2000 limit, I'm a college student. My interest is around 20%.
Does anyone else have the Captial one Visa Plantium Credit card and ... |
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 Help - A collection agency is trying to strong arm me!? |
| I've been trying to improve my credit, but with lots of old bills and living paycheck to paycheck, I have a ways to go and it's going to take some time. An old Visa account of mine was ... |
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 Would open up a new line of credit, i.e. credit card, loan, etc. hurt my credit score? |
| My current credit score is mid-500. We are planning to purchase our first home in the near future.... |
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 Is it bad to sign up for credit cards just to get rewards points? |
| I sign up for 5-10 credit cards a year solely based on the fact that they'll give me $50-$100 in rewards points for using it once. I pay my balance in full every month. Is it hurting my credit ... |
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 Bankruptcy? |
| i have recently been imformed that the tsb are gonna try and file for my bankruptcy,if they get it does that mean al my other debts will be non payable as i would be ... |
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 If i get a £6,000 loan out NOW will it affect me getting a mortgage in 18 months? |
| I may have to get a loan out but i will be able to apply for a mortgage on the keyworkers scheme in 18 months. I was taking out the loan to pay off some bills abroad. I only have one credit card with ... |
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 Credit score issue? |
| I need to buy a car ASAP and im scared my interest rate could be high b/c i have an unpaid charge from years ago due to a bill never arriving (i was living in someones home and they said they never ... |
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 Have you ever maxed out your credit card? |
| If so, how long did it take you to pay it off ?... |
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 I want to get a bunch of credit cards, which ones? |
| i want to apply and get like 10 credit cards, what are some of the best places to get them?... |
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 Where do I cash this check at? |
| I was wrote a check from someone who lives in Vermont & I live in Oklahoma so we don't have that bank down here. Can I cash the check at any bank or what?... |
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 Will paying my credit card in advance not improve my credit rating? |
| I generally like putting money on my credit card before making expenditures, as this ensures I won't get charged any interest on any amount and that I can actually afford whatever it is I'm ... |
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mnnrbn | Why should you pay old debt that has already went to collection it's on my report as a negative,and lowered my |
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 |
 
JD
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If the age of your debt is close to 7 years pay them in full or don't pay them at all. 7 Year statue of limitations for reporting. If you only make a partial payment on a collection account it renews the statute of limitations. If your debt is less than 5 years old and you now have the ability to pay them off -pay them off and add a consumer statement to each of those debts and explain in a 100 words or less what may have happened to cause the account to be turned over for collection recovery. With a consumer statement it allows a creditor to remove most of the mystery of the collection account and in turn will expedite any credit you may apply for without the back and forth calls of why, when , and what? |
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Hima K
 |
check this debt settlement company
http://www.debtfreeafterall.com
They will negotiate with your creditors on your behalf and try to reduce your principal debt amount around 30% to 70% with LOW monthly payments and NO interest rates.
Take decision wisely
Good Luck |
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peersignal
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Paying the debt now will save yourself from a diminishing credit score. Old debt is still debt. |
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jeff i
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if you call them they may asept about 50% of the balance If it old and that would clear up some of the debt that you owe and it will show banks that you are more responceable than the people who dont care bottom line your creidit is directly linked to you financal futcher shure you can buy a car ,house with bad creidit no creidit. But unless you win the lotto or your rich uncle died and loved you more then everyone else you need credit and the best you possobly can get because when I sell you a home you will be paying me big time and you will be stuck there along time because the banks will scew you even more ps fix every flaw and pay off all debt live by your means if you are in america and in the x gen unless you get control of you finance you will never retire
go talk to a financial adviser it is there job to help people so you wont work the rest of your life pay cheek to pay cheek I NOW PEOPLE WHO MAKE 100,000 A YEAR AND IF THEY LOST THERE JOB THEY ARE A MONTH AWAY FROM LOSSING EVERYTHING People need to stop spending every penney they have on crap they though away when they still owe money on it . my mom had bought this coch payed 3500 for it is was made cheep and she financed it for 5 years got rid of it in three years see the problem. not if you are a furniture sales man if you dont have the cash to pay for what makes you think giviing the bank 25% intress yearly for 30 years make it more afforedable thank about it is a huge scam
and they are taking all of our money srew it dont pay them basterts |
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Juillet
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i would just try to pay what you can even if you think its in collections. otherwise, you will owe here and there and always use that as an excuse. |
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dianer381
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Here are some great reasons
1) to be honest
2) to be responsible
3) to be valuable to the economy (people who dont pay their bills cost the average household a minimum of 350.00 extra per year - adds up when you consider the number of households in the US.
4) to better your credit
5) to show your future creditors that you are an honest upstanding person and well worth extending credit to
6) to save intrest on loans and credit cards. bad credit can cost individuals THOUSANDS of dollars. |
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not4u2c_yet
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Looks like you have a problem in completing things, like paying your debt, and finishing your sentences?
If you want a better credit score, pay the debt. |
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mule28
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When someone looks at your credit report, paid collections look much better than unpaid collections. Furthurmore, companies can garnish your wages for money you owe them. Its best to just pay them off when you are able to. |
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jerk
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Because it will go into judgment and you don't want that, you must keep your buying power alive unless you are ridiculously rich, the credit is needed to obtain buying power, with you it you are up sh i t creek with out any toilet paper! |
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David J
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If you pay your debt it will give you a much better starting block for rebuilding your credit score. Plus if it stays unpaid it will only keep dragging your score down. |
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Vegan
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Because you're not a thief? |
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