 A disable person w/ bad credit needs grant,loan to fix up a home that will be live able help pleas? |
| I need a loan or grant to fix up my home on ss 550.00 a mo. and disable need direction and help don`t know what to do I am very sick and want to live in my home with - what time i have at home house ... |
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 Better to buy the car first, or the house first? Please read:? |
We have great credit. We have been approved for a loan, but we haven't found the house we really want. We also want to get a new car.
I have seen situations where if a person ... |
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 Should I quit work and go to College full-time? I make good money? |
| I am 26, have a good job, make good money, but am married with mortgage and bills. Should I quit my full-time job to get through college? I have approx. 1 1/2 years to go. I don't get financial ... |
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 Is there a way I can ask credit card companies to lower my rate? |
| I have a great credit score but the cards I have are at too high of an interest rate. I'm workin on paying them off...a lower rate will obviously help with getting them paid a lot faster. Is ... |
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 I'm broke and want to move! I need some advice? |
| Me, my husband and 2 kids are barely living paycheck to paycheck, and we want to pack up and get the heck out of minnesota. We want to go to North Carolina where we will be happier and have more ... |
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 Can they legally take my paycheck? |
| I was working at a job for several months and this past Tuesday because of the economy the entire company closed. At that point it was uncertain if we would be receiving pay for working last week (... |
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 How do I know how much money I can save each month? |
| I put money into savings but at the end of the month I end up having to put it back into checking because I don't have enough. But when I subtract my income from spending I always have money ... |
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 How to make some honest cash? |
| I am 15 and need cash. I work at Mcdonalds but I dont get many shifts. I was offered the chance to go into Growing/selling Marijuana and I was Very close to doing that but then decided against it ... |
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 Hi, i need £20,000 in order to buy a house as a deposit? |
where and how can i get this amount within 2 or 3 months.
what's the best legal business, that could make this sort of amount,
i'll do ahything, i'll even work 16/7
... |
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 For people who pay rent or mortgage? |
| after rent or mortgage and food how much spending money do you have at your disposal?... |
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 Money Is Low, Which Bill Would You Pay Electric or Telephone!!!!!? |
| You have been out of work sick for a period of time and now the PSE&G bill is due and the Telephone, In your daily life which is more important to you? How would you settle the problem, if now ... |
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 Would you rather have money or no mortgage? |
| Would you rather have $100,000 in the bank, or no mortgage on a new house? Why?... |
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 Would you use a giftcard that had 10-50 cents left? |
| I'm just wondering what other people do. I have several giftcards with about $1 or 2 left on them...or a few cents.... |
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 How do i get out of debt? |
| does anyone know a way to help get me out of debt.. whether its something like consolidating or simply just a way to make some extra income. i work now but i was out of work for 9 months and got ... |
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 If I have an extra 15500 a year, should I invest in 401 (k) or pay it toward my house? |
Should my extra money go toward 401 (k) or paying my house off early? I have a 15 year loan on my house.
In 8 years, I could own my whole house but have no retirement, or I could have 8 ... |
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 Would it be sensible to get a bank loan to clear credit card debt? |
| I have a hefty, and I mean hefty, credit card debt and am getting nowhere with a monthly repayent of 300. It expires in 2009... |
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Grace1228 | Should I pay my credit cards off in full or leave a low balance on them? |
I got a few credit cards when I started college, filled them up, and have been sitting on the balances for the last few years. Now that I've graduated and have a job, I can afford to pay off the balances completely within a couple of months. My question is, should I pay them off completely, or should I leave a small balance on them? I have heard that credit card companies want you to have some kind of balance on your card so that they are still making money off of your interest, but is that true? Any advice is appreciated! |
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sami_sam
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pay them off completely, and then use them every once in a while but pay them off that same month. What does it matter what the credit companies want? my boyfriend has a card he rarely uses, and they keep giving him increases and special balance transfer rates to get him to use it... make them want you!! The only way it MAY look bad is if you absolutely never use it, but you gave it plenty of use through college so you should be fine. My boyfriend rarely uses his, and his credit score is currently a 788, and he is 25. |
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jeff b
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Pay off any and all cards as fast you can. Keep the balances at zero. Paying interest is wasting money. |
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unknown
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i would pay them off so you don't have to worry about paying them off later. besides, in a few months what if you can't afford to pay them off? who cares what they want. its what makes your life easier. |
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alexa dion
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Past due debts that are over 30 days late will demolish your credit score. That aspect alone makes up a third of your credit score. To be safe never go passed the 30 days late period with any late payment. One payment made passed the 30 day mark will stay on your report for a very long time. When a creditor pulls your credit they won't care what the reason was so don't let this happen.
There is such a thing as a free credit report. Remember that this is a report and not a score. It gives you all the accounts you have and all the activity related to your credit. It does not give you a number (your score). The government sponsored site is: annualcreditreport.com. Read more from: http://www.credit-card-gallery.com/article/136,Seven_Must_Know_Credit_Tips |
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KathyS
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Pay them off. Your credit report will show 0 Balance and that's what lenders want to see when you want to buy something large like a car or house. |
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Marianne F
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Don't worry about what the credit companies want they want to make interest on the account your right. If you can pay them off go ahead because in case you every need to fall back on them you will have enough to do so. Think about what is best for you. |
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mister ed
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pay the off put them in a drawer and say for a rainy day!!! they are great to built paper stack houes out of!!! |
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darylsgirl1114
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There is absolutely no reason to leave a balance on a card if you can afford to pay it off. By leaving a balance, you're only costing yourself money in the way of interest every month. Pay the cards off, but keep them open, in case of emergency. If you want your cards to show as active, just charge something and then pay it off so you don't have to pay interest. |
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sabri
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Of course credit card companies would rather that there is a balance on the credit card. If there is a balance the company gains money from interest. I always pay off my credit card bills...don't see any harm in it. |
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Tim
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Yes, credit card companies do want you to have a balance so that they can make money off of you but there is no reason to maintain a balance.
You should pay off your balance as fast as you can. |
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Goodhead
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Pay off all balances and don't close the accounts. your credit rating will look good if you pay off and not close the accounts. Also call for better rates. Keep the cards for emergency. |
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marybeth K
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if i were you, i would pay them all off leaving nothing in the balance, not only will you have peace of mind but it will do good to your credit standing, which means that the card company will keep you as one of their priority clients who are good payors |
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