 What will appear in my bill when i buy in ebay? |
| what will appear in my bill when i buy something with paypal with my credit card in ebay, will it sya like the name of the product or just ebay or paypal?... |
|
 Holy **** i have just won $1000000 what should i buy or should i just invest it? |
THIS IS NOT A JOKE
Additional Details
i don't live in usa so it won't get cut in half if u say to pay taxes i don't need to my mum and father have a bank set up for my ... |
|
 Money saving ideas? |
im a bit hard up and very few ways to save on my outgoing bills.
What good ideas (realistic) can i do to save or gain some extra cash.
All good advice would be much appreciated!!... |
|
 Credit Card advice? |
I'm completely dumb when it comes to things like credit cards i've never had one before but i'm thinking of getting one.
I've got an overdraft facility on my bank ... |
|
 Can I afford an appartment? |
I just cleared my credit report after having a bad credit.
I make around $19/hr working for a Fortune500 company.
I would like to get an apartment around $650-$750/month.
Can I afford ... |
|
 How do people on welfare drive escalades? |
Additional Details
CRYSTAL< how come people think there so better than others, when the only way they get there money, is not by work , but by inheritance money,
if they ... |
|
 If you found 1 million dollars, would you report it......? |
| Or would you keep it? But you really, really needed money, what would you do? Not sure what catagorie to put this in.... |
|
 The bank deposited extra money in my account..? |
About $500 extra and I don't know if I am legally obliged to tell them about it?
Can I spend the money or will I probably be forced to pay it back?
I am actually in need of extra cash ... |
|
 Is a salary of $60,000 a year a good amount to make? What can you afford with this? |
| I am looking to start a career as a Dental Hygienist. After researching the profession, I noticed that average salary is around 60 K a year. Most of the jobs that I have worked at paid around 25 K ... |
|
 If a person dies and owes money or has loans, what happens? |
| who is responsible for the money or does it just 'dissapear'?... |
|
 I am 50 years old,I want to retire in the next five years do I ? |
| Have enuff saved to retire in a modest life style? I will have worked for the federal gov for 30 years with a high 3 salary average of $110K and have my retirement plan in CSR which will pay me an ... |
|
 I am completely broke! I need some money!!! Does anyone have any ideas on how i can make some money? |
ok im 12 so how i can make money is a little bit limited. can anyone please tell me how i can make some money????!!!! here are some things i love to do:
designs clothes, make keychains, help out ... |
|
 Can a store call and tell you owe more money after a purchase? |
| I bought 2 CDS in a Karaoke store in Arkansas Saturady...Today a lady from the store called and said that the CDs that she charged me 39.95 for were supposed to be 129.99 each and I owed them the ... |
|
 Can you set up joint bank accounts for a few friends? |
| Myself and my 2 house amtes want to set up a joint bank accounts together for bills etc. My friend thinks there are 'friend joint bank accounts'. Is this true, if so where are they???... |
|
|  |
onceisenoughilearned... | Does debt consolidation/reduction (for credit cards) hurt your credit as bad as bankruptcy? |
|
 |
 
burt
 |
The Credit Score (also known as your MyFico score) is calculated with the following breakdown:
* 35% - Payment History
* 30% - Credit to Debt Ratio
* 15% - Credit History
* 10% - New Credit
* 10% - Credit Types in Use
A small loan consolidation with low interest is the best (for credit cards)I found interesting information about your answer & options here. Goodhttp://all-debt-consolidation-loan.blogspot.com/2007/07/loan-consolidation.html Good luck! |
|
Shawn J
|
Hey Guys
Debt is a horrible thing, we all try not to get into it but sometimes lifes circumstances and choices wind us up in a pile of debt. Personally, there is a wealth of knowledge available, and with a little thinking and planning, you can systematically get rid of all your debt. I used to be in big debt, a few hundred thousand, however from about the past year or so I have been living debt free. Im not promoting anything here, I just want everyone to know that its possible. I write about my experiences in regards to Debt Consolidation, Car Loans, Credit Cards, Student Loans on my blog listed below so stop by if you get a chance and leave some comments.
http://credit-and-loans.blogspot.com/ |
|
eric h
|
Yeah, pretty much if its done formally. If you consolidate by taking out a loan on your CC balances, not at all.
It depends basically on whether everybody has been paid off or not. |
|
Candle l
 |
Lots of people think that once they’ve filed for bankruptcy they will be unable to ever get a loan again, and ultimately they are unable to do anything financial ever again. This isn’t always true, there are<!--always ways to improve your financial standing, and there are also ways to repair your damaged credit rating.
http://badcredits.awardspace.com/Bankruptcy.htm
In fact one of the best ways to improve your credit rating is to refinance your home mortgage, this-->will help to improve your credit history in a number of different ways. |
|
JT
|
The answer is no. Debt consolidation can actually increase your credit score. I think what you mean is a debt management with a non profit company helping you pay your bills. You're better off in the long run to avoid bankruptcy at all costs. Go to the national foundation for consumer credit counseling for more help. As long as your willing to pay something you'll be aright especially if it is unsecured debt. |
|
inkster7
|
No. Bankruptcy is in all your credit reports for 10 years. |
|
MEMYMOM
 |
I don't think it hurts your credit as bad as bankruptucy but it does go on your credit as a thrid party paying your debit (I know that cuz I know someone who works at debit consolidation) and that don't look good either |
|
K t
 |
No, debt consolidation is completely different. You agree to have your debt reorganized into one place and can often get much better payment terms than on a credit card or multiple cards. Debt consolidation does not relieve you of the debt. You still owe the same amount of money, but it will be easier to pay off.
In bankruptcy you tell the company(s) that lent you the money that you will not pay it back. Naturally this will make anyone reluctant to lend you money in the future. Your credit rating is basically a measure of how much confidence the lending companies have that you will pay them back the money you want to borrow. Typically this score will be around 500 and really good borrowers can get a score over 700. When you declare bankruptcy I assume your credit score goes to 0.
Also keep in mind that the government passed a much tougher version of the bankruptcy laws a couple years ago. Bankruptcy should be considered a last resort. Really, only if you have no other choice. |
|
dolly blaine
|
The most popular solutions to the problem of heavy debt burden is to get a debt settlement or file for bankruptcy. Among these two debt settlement is preferred as it has a relatively less impact on credit report. In this article we assess the benefits and drawbacks of debt settlement.
Debt settlement is a process in which an organization will go to your lenders and negotiate with them regarding your debt. The purpose of the whole exercise is to reduce your debt burden. If a settlement company is good it can get your debt reduced by as much as 50%. This is what a creditor needs and this is the most visible benefit of debt settlement. The amount of the debt is reduced, the repayment plan is made easy and often the monthly installments are spread over a long period. This makes life a lot more easier for the borrower.
However, debt settlement is not without its drawbacks. There are two things to worry about. First, is the cost of debt settlement. Debt settlement companies will charge huge amounts for their services. The usual range is between 10-15% of the debt amount. Paying this much amount upfront can turn your financial situation from bad to worse.
The second problem caused by debt settlement is the damage done to your credit report. The very fact that you are going for a debt settlement will show negatively on your report. But, it is still better than filing for bankruptcy, which will make a bigger dent in your financial credibility. Read more from: http://www.credit-card-gallery.com/article/212,Debt_Settlement_Benefits_and_drawbacks |
|
Amor A La Mexicana
 |
No it does not. Bankruptcy affects your credit majorily and consolidationg in a way helps. |
|
kumar
|
It is sad to see that u suffered the Loneliness of Divorce in ur previous answer. so sad because''''''''''''''''''''', it is correct, as I too in the same position,
My Mail id is
c_sanathkumar@yahoo.co.in |
|
redhotchillidawg
|
Nothing hurts your credit as worse as filing for bankruptcy. By doing debt consolidation you're trying to take control of your financial situation before it goes overboard. The first step is to cut up the credit cards so you don't use it anymore and more likely to pay it off. Talk to credit management companies, but go for the non-profit people first or government run credit management. But first try and pay it off on your own and if don't work then go with the non-profit or government run credit management. Bankruptcy should be your last resort. |
|
SCH
|
Debt consolodation only affects your credit because it affects your debt to income ratio...so no it does not hurt your credit any where near as much as bankrupcy... |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 28 minutes(s) ago
| | | |
13 | 2 hour(s) ago
| | | |
13 | 4 hour(s) ago
| | | |
13 | 8 hour(s) ago
| | | |
13 | 2 day(s) ago
| | | |
10 | 6 day(s) ago
| | | |
13 | 1 week(s) ago
| | | |
13 | 2 month(s) ago
| | | |
7 | 7 month(s) ago
| | | |
13 | 12 month(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
