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Paying off Old Debt
Read all 12 responses: "So I recently pulled a credit bureau on myself and my ... for them to send you settlement letters that the account is free and clear. ... given your credit score--my guess is, not much, and not worth re-aging the ...
Answers
- Hello, my name is R. I amja Certified Credit Counselor and worked as one for 2 years. THose Utilities from 2001, leave them where they are, they are getting ready to f...
- L., my husband and I work for Freedom Debt - a debt settlement company...yours is past the statute of limitations in Texas so I can't really help you but would advise ...
- My mother-in-law had an issue with a catalog company on a bill that she paid back in 2000. They said she didn't, she said she did. She had ripped up her receipt year...
Paying off Debt
I didn't have to refinance my mortgage, my household budget has barely changed, AND my 750 credit score has gone up 58 points since May when I started. ...
Answers
- Hi J., I would imagine you are overwelmed with the responses to your inquiry. I too am a financial coach and would recommend any sort of program without using any co...
- If you had any questions about credit repair, I would recommend my in-laws in Georgia. They work with people from all over the country, so it doesn't matter if you ar...
- J. I am a financial consultant. Be careful with some of these companies. Most of them have hidden fees. Sometimes you will be paying more than you already are. Also if...
What Do People Usually Do?
That info is free online or at your local library. ..... They killed my credit score, they were relentless when you were even a day late in a payment, ...
Answers
- If i had all my graduate education to do over again - I would have secured a scholarship and NOT have gotten financial aid through the government. I have had a very d...
- First apply for FAFSA on the Web at http://www.fafsa.ed.gov. Even if you do not qualify many of the school loans require that you apply for FAFSA first. Second go to ...
- Go to the financial counselor if she doesnt know which college she wants to go to go to the junior college she goes to now and the financial office should be able to h...
Kumon, Score, or Sylvan?
If your child receives free/reduce lunch, I would wait as the school district ..... but also very expensive and you have to have good credit, which I don't. ...
Answers
- I am a first grade teacher on Maternity Leave. I tutor on the side to make extra money. I live in the Forest Hills/Carrollwood Area. Give me a call if you're inter...
- Hi C., We actually use Huntington Learning Center. IT's expensive, however, it's been wonderful for my 15 yr old son. Our younger son is about to start there as wel...
- I read most of the responses as I had not done my research before I enrolled my kids in Kumon.. my older son was ahead in school and wanted to move further ... my twin...
Mortgage Interest Rate Question
Sep 21, 2009 ... Most lending institutions now have their mortgage rates online, but they can ... PS it doesn't knock you're credit score to shop around as long as it's done ...
Answers
- We refinanced at the beginning of the year and got a 30 year fixed for 5.125%.
- It will be a little lower, but you will still probably have a larger payment because of the reduced years. I bit-the-bullet shortly after buying our house and reduced...
- Most lending institutions now have their mortgage rates online, but they can change daily. You can often eliminate the points associated with refinancing by taking an ...
Seeking New Home Financing for Not So Good Credit
Just an update I talked to Mike and poor creditno closing costs is .... Mortgage from Online Lenders ... credit score mortgage · mortgage credit score ...
Answers
- Hi M.! My husband's firm does mortgages and he has told me incredible stories about how some of his clients have been turned down by almost every other lender, includ...
- Hi there M., My name is L. Anderson and I am a Realtor in Indiana. I work very closely with a fellow by the name of Bill Zakutansky who works for a Brokerage named Co...
- Hi M.! I can't guarantee he can help, but if anyone can my brother can! His name is Mike Dedo and he is with RLCA. His direct number is 800.601.3589. He's a senior...
Debt Consolidation Is It Worth It/does It Work???
Sep 2, 2009 ... I do know that it effects your credit score but since my score is not that .... Not only was it an amazing feeling to be debt free, but what was even nicer ...
Answers
- I joined CNI a few years ago and they negotiated a good portion of my debt away. Look into them too, I cancelled all my cards and have bad credit for a few years but...
- Hi there, We looked into this last year when we encountered some of the same problems. You have to be really careful about which companies you go with - there are man...
- Several years ago I went with Consumer Credit Counseling and had a great experience with them. I learned my lesson and, as great as my counselor was, I plan on never ...
Starting a New Free School in Manhattan
Then for any documents or more information Attend a SCORE meeting at a Manhattan Library These SCORE meetings or onetoone FREE business counseling will get ...
Answers
- That is great that you began home-schooling -you own school. You can get all the information from the Board of Education in Manhattan. Simply write a letter (do n...
- Look on the Department of Educations website schools.nyc.gov to see what they require to open a charter school. Charter schools are run by you and you select the child...
- I know some MamaRiseup Mamas whom you may know. If you don't, give them a search. If that doesn't help, maybe I can hook you up w/someone. Also Science Teacher Sara...
Refinancing
Before you go, know your credit score. The higher the better! ... Please feel free to contact my husband if you'd like a rate quote or have questions- ...
Answers
- I am a mortgage lender and I'd love the opportunity to assist you. Typically banks do not have the lowest interest rates out there - this is primarily due to the fact...
- I'm not in the business but my husband is so I know a little about brokers. Just remember that a broker is a "middle man" that will broker the loan out to a bank or mo...
- I had my best luck with a credit union they have the best rates. However, most banks are not that competitive in fixed rate loans. I've had better luck with fixed ra...
Way to Far in Debt
You should also go online to us.gov and search for free credit reports. ... This way, you will not have problems with your credit score, which will be ...
Answers
- J., My husband and I have been living credit card free for almost 2yrs now. We went to Consumer Credit Counseling Services of Nebraska (CCCS). We are on a three year...
- Dear J., So proud of you for reaching out for help! This is what I would tell a good friend or family member if they had shared with us what you have: That wou...
- J.- Below is my response to another mom a few months back. It may feel like the walls are closing in on you right now, but believe me, with a little help thing do get...
