Archive for the ‘Credit’ Category

What is the best debt consolidation service?

Friday, February 26th, 2010

questioning asked: I have a few credit card that are past due and I'm not able to make the payments. What is the best debt consolidation company to use? Keep in mind, I'm not a home owner. I'm not a student and actually I'm looking for a better answer than the ...

What is a good, reputable debt consolidation company?

Friday, February 19th, 2010

crazyone asked: I am thinking about doing debt consolidation, but am confused by all the different companies out there. I have heard that there are a lot of shady companies. Does anyone have some helpful advice. My debt is not a huge amount ($6000), but I am ...

Bank loan or debt consolidation program for credit card payoff?

Friday, February 19th, 2010

honhill asked: Due to a family tragedy, my husband and I are currently in $26,000 of credit card debt. All of the payments are current and the cards are paid on time with the accounts still open (we are not still charging, though). We are looking to seriously pay this ...

Anyone know any good way to get a decent debt consolidation loan?

Thursday, February 18th, 2010

Brad M asked: I want to get a debt consolidation loan, WITHOUT using my home equity, but they are telling me my credit score is great, but by ratio is too high. Well, I want to consolidate all the CC debt I have, but it's running me in circles. ...

Can debt consolidation have a negative impact on my credit profile?

Wednesday, February 17th, 2010

shargnu asked: How can debt consolidation affect my credit history/profile? How will it affect my credit score now? What if I want to buy a house within the next 2 years? What if I want to buy a car within the next year?

Can you do debt consolidation even though the debts have already gone to collections?

Sunday, February 14th, 2010

nealmobley asked: I have about 10,000 dollars in debt and most of that has already been sent to collections or been charged off. Can I still sign up with a debt consolidation to help improve my credit even though the debts have already been sold to collection agencies and ...

What exactly is a finance charge, and under what circumstances will I need to pay one?

Thursday, February 11th, 2010

X-Malleus asked: Pretty much exactly what the main question says. I have no idea what a "finance charge" is. For instance, would I be charged a finance charge if I charged a purchase, and then paid the balance immediately? Any additional information that could be given ...

What happens if a finance company never repossesses a vehicle that has been discharged in bankruptcy?

Thursday, February 4th, 2010

lucky asked: What happens if a finance company never repossesses a vehicle that has been discharged in bankruptcy? No payments have been made in 14 months...Bankruptcy discharged in June of this year. Finance company has our current address and phone number.

How can I get debt consolidation with hospital bills and non credit card debt?

Wednesday, January 27th, 2010

A B asked: I have a bunch of hospital bills that really cost me in credit scores. I really want to try to consolidate it but I can't find anyone who does debt consolidation without credit card debt. Any suggestions?

Does debt consolidation work and help improve your credit score?

Sunday, January 24th, 2010

blcross03 asked: I am really bad with paying bills and my credit has taken a hit these past couple years. I make enough money where I should be able to pay everything with no problem but for some reason I continue to struggle. Do you think a debt ...