improving credit
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Credit HELP!!!!
Asked by M.H. from Lima
on October 11, 2011
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Hello :) My husband & I have been working VERY hard to get his credit straight to buy a house. We've been working on this for TWO YEARS. We called a loan officer today...
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- One thing I haven't seen mentioned here in the replies is that you can go to www.AnnualCreditReport.com and get one copy of your credit score from TransUnion, Equifax,...
- My honest opinion based on your last comment is to pay off credit card debt and shut down all but one card and pay it off monthly. When u do that plus save 20 per dow...
- I just want to point out, A. you can get credit based on Household income, even if you don't work. I have awesome credit, and actually everything is in my name but I ...
Credit Card Debt Help/advice
Asked by L.P. from Chicago
on August 20, 2009
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Hello. I am just interested in hearing anything you ladies have done to help with your credit card debt. I have quite a bit built up on my card. I am able to make min...
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- I tried a debt settlement company and all they did was take my money and the settlement amounts weren't anything I could do. They wanted 3 payments of $3000 over 3 mon...
- I too would suggest Dave Ramsey. If you live in Lake County he is on the radio at 1220 am from 1-4. His Total Money Makeover book changed our entire way we look at m...
- I am not sure what your debt is, but I can only tell you our story, we had about $10,000 in credit card debt, the collection calls were depressing me and we were going...
Improving Credit Scores-Settlement Amount Vs. Full Amount
Asked by M.H. from Houston
on March 21, 2010
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-I was told if you pay creditors a settlement amount, that's good and that item will show you paid and will no longer be used against you, therefore making your credit...
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- I have heard this too, that if you call your cc company and tell them that you would like to settle your account they will work out a deal with you to do so. you can e...
- It DOES show up on your credit that you settled with the creditors. I used a company years ago and my credit plummeted! You can also look up on www.clarkhoward.com--...
- In the long run you're better off paying the full amount. The settlement amount will help a little right now, but it will show that you just 'settled' the account; not...
He Has as Good as Credit as You Can Get... I Have the Worst - What Happens When
Asked by M.R. from Dallas
on January 29, 2008
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Hi mommas :)
He has as good as credit as you can get... I have the worst - what happens when we get married? A lot of mine is from the ex, joint everything. I hat...
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- In our house it is the same story... only reversed. Somehow I ended up with the perfect credit while hubby struggles from his past being laid off and divorced, etc. ...
- keep in mind if he puts a home in his name only, if something hapens to the relationship-you could end up on the street with nothing. I recommend cleaning up your cre...
- I don't think your credit will affect you buying a house...I believe that if he has good credit your bad credit is not enough to be denied a loan. I may be wrong, but...
Bad Credit, Can I Still Qualify for a Home Loan
Asked by A.C. from Los Angeles
on September 23, 2007
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My credit score is 552 is there a credible lender or real estate agency that would allow me to buy a foreclosing home with little or no money down?
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- try contacting HUD (housing and urban development), they may be able to help you... with such a low fico score you should wait a while until you repair your credit... ...
- Hi A., Other things are also taken into consideration besides your credit score. If you call Scott Miller at Countrywide he could advise you. His direct number is #...
- Hello, I have a 2 Plex that we are selling in a great location in Long Beach, The unit is 2bedroom and 1bath (downstairs) and 2bed and 1bath (upstairs)...and large bac...
How Did You Get Your Credit Card's Interest Rate Lowered??
Asked by K.A. from Tucson
on July 27, 2010
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Hi all! I have a credit card which I no longer use but am still in the process of paying off. I am currently making double payments each month but my interest rate is ...
Answers
- Capital One is extremely stubborn. We opened the card with a fixed rate offer. A few years later they denied ever existed that way. They have raised the rate withou...
- www.daveramsey.com it worked for me! one of the things I have learned is that if you are paying your bill, they are not going to make it any easier for you to pay...
- I had the same issue with capital one. They are a pain in the you know what. We have had the card for years, always been active users, always pay more than minimum a...
Paying off Debt
Asked by J.E. from Boise
on January 14, 2009
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I am considering using a family financial planning company to help me get my credit card debt under control. I understand that they deal with the credit card companie...
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- 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...
Considering Refinancing to Consolidate/home Improvement
Asked by T.D. from Cincinnati
on July 17, 2007
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Has anyone out there ever refinanced their homes? We bought our house almost 3 years ago and due to our combined credit situation and us not being married, the house a...
Answers
- Here's the name of the women i used and her company info, i'm not sure exactly where you are located but she traveld to do mine, came to the house and everything. I h...
- T., I would look into a home equity loan. These are typically low interest, plus you can claim that interest on your taxes just like you do the interest you pay on...
- T., As a few others have already pointed out, getting a home equity line is probably your best solution. Being that I work with home loans in my profession, I woul...
Help!!!!!
Asked by M.S. from Indianapolis
on March 26, 2007
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Hello everyone! I need some really honest suggestions. My husband and I were thinking about going to a credit service "CCC". We were wanting to know thoughts about the...
Answers
- I don't know about that. But I have heard that the best way to get your bills down is to concentrate on the smallest one first. Any time you can(even if it's hard) pay...
- Don't do it, CCC is owned by the credit card companies!! Any good financial advisor will tell you not to use them!! Find another way to get your finances in order, fin...
- I wouldn't use an outside service until after you've done everything you can yourself. They don't really do anything you can't do yourself. There are alot of good boo...
Do You Perceive an Improvement in the Economy?
Asked by A.S. from Boca Raton
on January 11, 2011
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Hello fellow parents!
I have noticed many Disney questions on this board lately (as a Floridian I'm grateful for the tourism revenue) and it made me wonder if the e...
Answers
- Its funny because before I read your question (I had only seen the subject), my first thought was about Disney as well. My family lives in Clermont which is 22 miles f...
- Because my husband and I are fiscally conservative and live on less than we make, I have noticed things like (of course) higher grocery and gas prices, etc. BUT we ar...
- Nope not getting better. We have years of recovery ahead of us. I also wondered that when I saw Disney questions...
