 How to establish credit...? |
| i turned 18 in june so i have no credit i have been working for about a year and now i wanna start establishing my credit what would be the best way?... |
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 Bankruptcy vs. paying off debt? |
| I am debating between filling bankruptcy and paying off my debt I have 12 - 15 delinquent accounts that have not received a payment (all charged off or in collections) in over two years including a ... |
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 Anybody have experience with these credit repair sites. they promise take old medical bills off your credit? |
| they promise in as little as three month to erase most of your old medical bills on your credit report. Most sites charge $100 dollar set up fee and $30 dollars a month.... |
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 Need emergency $$ ASAP, can't find co-signer or loan to cover. Now what? |
| Credit is bad due to divorce. Can't even find on-line company to fund. Need min $1500. No one in my family can help... no co-signer w/ good enough credit. No collateral worth enough. Desperate...... |
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 Bad credit fix? |
| Is it better to pay off bad stuff on your credit or have someone like careone do it?... |
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 I am still looking for $30,000 t pay off some bills and get caught up? |
I am looking fo a private person that can help on a one on one
basis
This would free up extra money and help clear up our credit ... |
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 How do I find out who to pay? Debt collection? |
I have a debt and have not heard from the debt company for a while.
I know that this has been passed over to a debt collection agency but when they first contacted me I was out of work and only ... |
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 Do you think any private lenders that give out personal loans are real? |
| I ask a question on yahoo about bad credit personal loan and my answers were some people told me about private lenders do you think they will scam me?... |
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 Florida bankruptcy law.....? |
| Is there a minimum amount of debt owed in order to file a Chapter 7 in Florida?... |
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 I applied for a credit card but it says "declined, no credit history." Why? |
| I recently applied for an American Express card and it said that I got declined because I don't have sufficient credit history and that the credit cards that I have have not been open long ... |
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 I've been fraud!!? |
| this guy from Dubai sent me $4000 postal money order for something, i deposited in my bank. and days later, i got notice from bank saying it didn't went through...... i thought postal money ... |
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 I just turned 18 and i have bad credit, looked up my credit report, and found i owed $91.00.....? |
| and i could not find a mailing address or phone number for the credit company that i owe the money to. Funny thing is, i got one notice a year ago and none since. Any suggesions????... |
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 I want to refinance my house but? |
| I want to refinance my house but the bank said I have to wait 3 years before I could refinance. We bought the house a year ago already, but would like to refinance to fix some things around the ... |
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danny s | Would I be best off going bankrupt? |
I owe £32,000 in credit cards and loans, my repayments are £700 a month and I am getting deeper in debt each month. I'm married with 2 kids and I take home about £1000 a month. By the way I rent privately and our car is only worth about £500 so I haven't really got any assets, and the debts are just in my name. I desperately need some advice please. |
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LISA G
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dont go bankrupt...go to debt management ...payment plan is a good 1 ...they will consolidate all your cards and loans..they will call all you creditors and get the intrested frozen..and write off most of your debt ..you will only pay what you can per mth ..and will be debt free in 5 yrs ..good luck |
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Sharon
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NO.... I don't think you need to go bankrupt. But you do need to learn how to manage your finances. I would suggest checking out a book called... "the total money makeover"
good luck
oh.. and don't give any money to the people that say they can reduce your credit debt for you.... that's something you can do on your own... you got into it... get yourself out of it. |
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grierGRIER h
 |
If a person has accumulated a large amount of credit card debt due to multiple credit cards, the need for a proper counseling for credit card debt consolidation can't be understated. Credit card debt consolidation counseling helps a person get vital insights into the facts that can help him get control over the credit card debt.
Credit card debt consolidation counselors are experts with a good knowledge of debt management, budgeting and behavioral patterns of credit card holders. These services are vital for those struggling to manage their credit card debts. Also called credit counseling or debt counseling the credit card debt consolidation counseling brings immediate relief to a credit card holder.
A person seeking credit counseling can get it from two types of organizations. The professional or commercial organizations, and the non-profit organizations. As depicted by its name or categorization, the commercial organizations charge money for their credit counseling sessions and consolidation help on the other hand the non-profit organizations offer free of charge services. Just because the non-profit organizations are free, it doesn't undermine their quality of service. The persons associated with such organizations are thorough experts and have lived the trauma of being under credit card debt themselves and hence bring their vital experience to the credit card holder. Read more about it at: http://www.credit-card-gallery.com/article/353,Credit_card_debt_consolidation_and_credit_counseling_great_tools_to_get_rid_of_credit_card_debt |
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Stanley Fishbien
 |
Filing for bankruptcy doesn`t necessarily mean ALL your debts will be wiped out . In addition , the bankruptcy goes on your record and will often stay there .............. for good , unlike what you may have heard .
Once you have filed , your life will change drastically . NO ONE will give you credit ! You`ll have to pay CASH , for anything and everything ............... and I mean EVERYTHING !
If you don`t have the cash , you don`t get the goods , plain and simple . Ten or fifteen years later , you MIGHT be able to get a credit card or two , but only from very high-interest issuers . They can charge you up to the legal limit , because they know no one else will accept you .
Even they won`t give you credit unless you can show you own outright a home , newer car , or anything else of major value so they can take it in case of default .
Your best bet is to negotiate with your creditors through a debt management firm and try getting a break on the interest , or in some cases , having the interest forgiven on the individual debts . This can bring your payback time down considerably .
Even this will affect your credit to a large extent , but at least once the debts are paid off , you`ll be in a position to get credit again . |
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mister ed
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if you owe that much and have no assets you must have been living very high of the hog. i suggest you seek a second job and put all of that income in to debt reducton and for god's sake move now on the pig a little. |
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...*Zσë*...
 |
I think that you be better off going bankrupt than taking out more loans and making yourself into even worst debt. |
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John
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Don't go for bankruptch . It will stay on your credit for 7-10 years. So be careful. You can try to consolidate and reduce your loans. It will be better.
To know more you can visit
http://www.debtconsolidationmanagement.blogspot.com |
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PHILLIP B
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I do not know what country you are in. I can only speak from an American perspective. do not go bankrupt. get a second job for a while if you have to. it is tough on the home life but it is better than giving in to it. talk to your wife so there is an understanding of what you up against right now. you will have to work it out together you know. if she can help in some way, all the better. you will have worked it out together and that will only strengthen the relationship. dont leave her out. |
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SIR KILLZ ALOT
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you need to get a fulltime job. |
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