Is it possible to fix my credit in 2 years …. I have about $ 9,000. of credit card debt?
I'm in a program debt management. I'm going to be a nurse in two years and want to have good credit so you can buy a condo than a month after graduation …. I have 25 and do on 30K/yr and my score is approximately 540 crdit
Yes you can. But you have to do a lot of research. Fixing Your Credit is not as simple as paying off old debts. Those items will remain in your credit report as a negative score, unless you do some negotiation that have reported to as "payment." Furthermore, getting new credit will help you build your credit score. Having available credit, paying bills time, and maintain a good debt to income is key. I found a lot of good information on this site when I was working on mine, www.creditinfocenter.com.
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I searched and read all kinds of different things. On debt relief, consolidation debt, debt settlement. I know I do not want to declare bankruptcy! Im about 8,000 in debt to everyone, most had hospital bills. I am a mother makes about 17,000 a year, and it takes about that much to survive. So I'm trying to find a way out of debt, being able to afford to pay and not hurt my credit score. Please someone with experience, Help!
debt and stop paying its debt. you may have to get a job second or third. if you have a car, sell it and get something that is paid for if your car is not. do not bother with people trying to fix your credit, which is better for you can learn to manage their own accounts rather than just give the problem to someone else.
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When the student loan consolidation, you can add card debt consolidation credit?
I will graduate soon about 20k in student loans. Also I have over 10k in credit card debt. Is there a way to group all together?
You do not can combine credit card debt with student loan consolidation that both are different entities. For more information on consolidation student loans, go to: http://www.studentloaninfo.org/
Any comments on experiences with companies debt negotiation, firms seeking to reduce the indebtedness of a credit card?
After a divorce, my debts with credit card companies, especially with the new minimum payments increased unachievable, and I am looking for relief – these companies argue that, for a fee, 15% of the total traded = usually 50-60% of the original balance, they will negotiate with companies credit card and you pay the lower amount, something you can afford – are real and how they work?
From what I understand, companies in liquidation debt charge a fee based on the amount saved. For example, if you have a credit card debt of $ 22,000 and negotiate an agreement with your credit card accepting $ 12,000, then you will be charged a fee based on the $ 10,000 saved. If the rate was 20%, then you make the payment of debt $ 2,000. You can negotiate this for yourself. Information is readily available on the web. Check out these sites …… http://www.creditinfocenter.com/ http://credit.about.com/od/debtconsolidation/ss/debtsettle.htm http://www.zipdebt.com/
Does anyone know how to get a loan debt consolidation in Ireland with bad credit?
"I can please include Rep. of Ireland only related sites are of use? Unfortunately the U.S. and the United Kingdom only options are provided to US / UK residents. Thanks!
Please see previous answers to such questions, leaving the idea of a consolidation loan and then go see a qualified debt counselor. If you need help a dozen to pay old debts, join a credit union. Many churches have them in Ireland. Whatever you do, do not risk your home for a company consolidation loan. It is better to have a dozen of small debts, because if you pay something to each of them (not the full amount, but something), should not be able to retrieve anything from you. If you miss a few payments on a consolidation loan that will take your house and the auction itself. In all likelihood, they will not get everything the match for them and you take your mortgage lender and send the invoice for the outstanding amounts. Please see a debt counselor before the situation makes you feeling suicidal. You deserve better than the agony of a consolidation loan. One of my friends died young, because of one. The ads, in my opinion, ill.
Anyone know any good way to get a debt consolidation loan decent?
I want to get a debt consolidation loan, without using my home equity, but they tell me my credit score is great, but the ratio is too high. Well, I want to consolidate all CC debt I have, but it is running in circles. What is the point of trying to get a consolidation loan if you do not pay you because you have too much debt? Does anyone know of any bank or anywhere I can turn to who understands and can try to help me? Thanks for your help!
Brad, You say you do not want to use the equity in the property as collateral for a loan, so I'll assume that you own a home and have equity in it. If this is the case, then perhaps you should consider a home equity loan to consolidate your debts DC to a lower interest rate. Probably you will be able to further reduce their monthly debt payments by stretching the loan term. Also, if you live in the U.S. the interest you pay for the home equity loan can be tax deductible. More information here … If http://www.debt-elimination-guide.com/debt-consolidation-home-loan.html you have not made any payments to home then your options become limited. The best you can contact your credit card company (s) and ask for a reduction in the amount of interest they are paying, as well as a reduction in the amount you pay each month. Most CC companies will work with you on this and that can sometimes achieve results similar to what is expected to obtain a new loan. The credit card companies have less interest in place and a period slower recovery than a total loan repayment. There are also companies that can help you with this if you do not feel comfortable doing it yourself. Of Indeed, some will give you a debt free analysis before committing to anything. There are other options available too, but it would not be right for you at this time. If you want a recommendation on a few good companies and information about other options that you can find here … http://www.debt-elimination-guide.com/debt-elimination-options.html Regards Bruce
Should I take a student loan to pay credit card debt age?
I have $ 12,000 in debt credit card 5 years. I am currently in school full time and just cannot afford nothing. The collection agency wants me to get a student loan and stabilize the debt original $ 6,000. He is sending me in writing, now that the debt is paid in full show my credit report. It is prudent for me to do this or I a fool?
Do not you dare. If things go bad, you can file bankruptcy on credit cards. Student loans are not bankrupt for life. Collection agencies lie, cheat, steal, and generally are scum. They violation of one of his sons to get a commission check from a collection, and are bullsh! tting now. If the debt is very old, you can settle for 35-50%. Otherwise let them talk to a dial tone or sue. Anybody is better than taking a student loan.
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How I can find the best debt consolidation program in New Jersey?
I'm trying to stay out of debt and need help with debts unsecured. been trying to locate an online agent, but a kind of getting frustrated. NEED HELP ASAP!
I work in collections for a credit card company, we just look in the phone book and check with the Better Business Bureau. Always go for profit. The benefit to screw you over and most credit card companies do not operate for profit. And remember you can take about three months to get this configuration with the creditor. Credit counselors have to send their proposals to creditors for approval. So make sure it's all right with creditors and credit counselors. And you can still get calls from creditors until the proposal is accepted. I hope everything works out for you
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