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Looking for Credit Card Relief
Read all 7 responses: "hi, I am wondering if anyone has worked with, or knows of , Financial Freedom of America? I have a lot of credit card debt following ...
Answers
- Hi K., I haven't heard of Financial Freedom of America, but I wanted to share with you that my husband and I own our own business. We teach families how to make and s...
- I would phone the credit card myself. You can negotigate the same deal as them, and not pay thier fee. good luck S. W.
- Sue had good advice. You can negotiate with the credit card companies directly. Look into Dave Ramsey's http://www.daveramsey.com/ website and check out his books fr...
Should I Accept Credit Cards for My Small Business?
Read all 5 responses: "I have a seasonal business selling personalized Christmas ornaments. I sell at bazaars, craft shows, and through word of mouth.
Answers
- Hi D., If you decide to accept credit cards, you might want to check out Costco. I just got the August 2009 Costco Connection magazine and they had an ad for their...
- Hi D., You should absolutely accept credit cards!! You are losing sales if you do not! I use www.propay.com They have a really cool card reader that I used at cr...
- Hi D., I have a home based business selling personalized music/storybook cd's; alarm clocks and labels for children. I've been using propay for almost 4 years. I t...
Husband Went Credit Card Crazy
Read all 5 responses: "My husband went credit card crazy about three years ago. We are still trying to recover. We were about there when I was off of work ...
Answers
- Cut up the credit cards! If you don't have any in your possession, than you will be less likely to add to your debt. I know the economy is really rough right now, but ...
- I actually found a really good book that helped us out. It is called The Total Money Makeover by Dave Ramsey. It really helped out with what steps to take and when to...
- Try Consumers Credit Counseling,they are a not for profit credit counseling. They can get your debt reduced,late fee's etc with the credit companies and set up a month...
Credit Repair? Good or Waste of Time?
Read all 8 responses: "My husband and I are wanting to buy a house. We have a few months of paying off bills until we could afford it, and we had some time ...
Answers
- A really good friend of mine lives in McKinney and has a credit repair business. His name is Mike Ayres and his website is www.streamlinemycredit.com. He is a super ...
- We have never had a credit issue. All bills we have are paid on time if not before time. That said....I cannot possibly see how spending money with a credit service ...
- Don't do it. Anything the credit repair company can do you can do on your own. Get a copy of your credit report and if stuff is over 7 years old, it should no longer b...
Life After Filing for Bankruptcy.
After a few years, my parents got pre-paid credit cards or credit at places .... Don't get any more credit cards. A lot of companies will want to give them ...
Answers
- My husband and I filed bankruptcy 6 yrs ago. Since then we have rebuilt our credit. We have purchased a house, automobiles and we have a credit card. It does take time.
- Don't get any more credit cards. A lot of companies will want to give them to you and really high rates. They know you will be liable for them because you already di...
- I had to do the same thing after 9/11. It's a hard time, but you will get through it. All I can recommend is that you make sure that you pay your bills on time and s...
Credit Repair
Aug 30, 2009 ... Read all 12 responses: "Is anyone fimilar with ways to repair credit scores? I made alot of bad decisions as a teen, and now I am paying for it.
Answers
- i have worked in credit & collections for 12 yrs. I would be glad to help you clear up your credit report. Its not as hard as you may think. If interested email me:...
- The first thing I would do is to find out what Dave Ramsey says! He is excellent and I wish I started he's program while I was younger. Good luck. A grandma.
- Hi J., I actually had a client two years ago who had terrible credit and could not get approved for a home. She worked with Brad Polin, with Coastal Lending Team, ...
Credit Card Problems
Read all 10 responses: "Last year was a rough year financially for us. We lost income and got behind in all of our bills. I finally stopped paying our ...
Answers
- Times are trough, but not paying your credit cards is suicide. These should be paid before any other bills except your mortgage. Call each of your creditors, and talk ...
- Hi, J., We have foubd ourselves in the credit cards debt up to 17,000.00 and to solve the problem I enrolled into the DMP plan (DMP stands for Debt Management Plan) w...
- Ask the credit card companies to lower the interest. Try to always pay the min. and not use the cards anymore. Also try a consolidating home equity loan or other suc...
Question About Checking Child's Credit
Read all 6 responses: "Ok, so I'm probably being a little jumpy here but here's the situation: I have given my mother in law my son's SS number no less than ...
Answers
- you can get 1 free report from all 3 credit reporting agencies 1x per year per federal law. i know if you go online you have to be careful which site you chose so may ...
- just so you know...they don't need the SSN to set it up...not even for a bank account... to control the issue, take control of it
- Here is what it says on www.annualcreditreport.com/cra/index.jsp FAQ: How do I request a credit report by mail for a child under 13 years of age? The credit rep...
Tips to Pay of Credit Cards
Read all 12 responses: "What is the quickest and easiest way to pay off credit cards. Has anyone used a consumer credt counseling service or debt ...
Answers
- I second Total Money Makeover with Dave Ramsey. Get his book and read it cover to cover - you'll be able to read in rather quickly. Also, he's going to be in Dallas ...
- You can use CCS, and they are good. You can negotiate on your own... but beware, this will show up on your credit report!
- Hi B., My husband and I went through Financial Peace University also and it was SO amazing. It actually inspired a passion in my husband to help others. We made som...
Trying to Clean up My Credit
Read all 37 responses: "I have a collections/credit card on my credit report from a few years which I need to take care of. I have been working on my credit ...
Answers
- Did you contact Equifax etc to see why your score was lowered. That makes no sense! Good luck
- Been there done that and it sucked. Here's the thing, bad credit is better than no credit to a lender. I would go ahead and pay it off but keep something around. Yo...
- It's good to have a couple open revolving cards on your credit. The balance on the card should stay to less than 25% of the credit line. If you pay the credit card o...
