lenders bad credit
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Debt Mediation
They do debt settlement where they contact the lenders and ask them to .... The bad part was that it gave me bad credit on my report, even though I was ...
Answers
- I used a counseling service several years ago when my credit card debt reached $20K. I think I had about 8 credit cards then. They made it easy, I just sent them one p...
- I agree with most of the responders: Don't go to a for-profit credit counseling business. If you decide to go with a credit counseling service, go with a non-profit ...
- Hi C.! Please check out DaveRamsey.com before you do anything drastic!!! He is my Hero! I am strongly against consolidating debts, because the interest you pay for eac...
Seeking Advice for a Problem with Loan Modification
Typically, lenders respond to attorney inquiries in fear of possible litigation. Good luck. .... Looking for Advice on Credit, Mortgages, Real Estate ...
Answers
- I'm SO sorry! This happened to us too and we ended up selling our house under duress and made about $3k after paying the realtor and all the title co. fees. It reall...
- Hi M.. As a Realtor, a Loan Agent, and a homeowner, I absolutely understand your frustration. Please know you are not alone and there are services who may be able to ...
- Hi M., I am a fellow mom and a mortgage broker. Are you able to refinance? Do you have any equity in the house? Rates are very low so you may be able to save money...
Financial Issues
First of all you are not a bad person, just in a bad situation and you need to face ..... Hi B. -have you contacted your lenders (mortgage and credit cards? ...
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- Wow! I could have written this myself. We are in a bit of the same situation. My advice and what we are trying to do it number one NO MORE CREDIT CARDS! then we ar...
- B. I definately feel you on this topic. I recently relocated to the Allentown area from NY. Coming w/not much money and not able to get a mortgage yet to to working on...
- Hi there, I hope I'm not too late in responding, but I really want to encourage you to stop thinking you're a failure and that you're failing your kids. Do you realiz...
Bankruptcy Sp? RUDE
Now you can file bankruptcy and it will keep your student loan from going into default, but both are really bad for your credit. ...
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- You cannot file bankruptcy on student loans. When Clinton was President there was a law passed saying that you couldn't. Believe me, we've looked into it. Now you c...
- First and foremost go to community counseling. They charge on the amount of money that you have. You are depressed (rightfully so) and you are going through a huge g...
- Ashley, I am 49 Mom and grandmother,recovering Alcholic of 18 1/2 yrs and you must, must go on!! Be happy and grateful you have a daughter, God has given you a ch...
Financial Advise
If you do decide to do that, going bad on a mortgage is more detrimental to your credit score and credit worthiness. Those are some options you should think ...
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- pay in this order: 1. credit cards (whatever you do --make THESE) 2. mortgages 3. pay partial payments on everything else, and contact businesses to let them know...
- Yes, I live and breath by Dave Ramsey financial advice. Please go out and take a look at that site. Also, I am not sure who told you that missing a second mortgage p...
- I would try to pay your mortgage. Take a hard look at your bills and cancel or reduce what you can. I.e. you do not need cable. Cancel it. Try to conserve energy, ...
Paying off Debt
In Montana its called Consumer Credit Counseling Service. They help!! I have never heard one bad thing about CCCS but am unaware of where you are located in ...
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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...
How Can We Get Out of This Circle?
A lot of lenders will do this without any costs involved. ...... Finally found out my bad credit kept me from getting a job to pay the bills! ...
Answers
- First, I agree with some of the previous posts--cut up those credit cards (and go a step farther--call and cancel them with the company)!!! Credit debt is not necessa...
- Oh S.. I know what you are feeling all too well. Have you seriously thought about claiming bankruptcy? It sucks and doesn't look good on the credit report either bu...
- It's been said a ton already, but I gotta say it again-DAVE RAMSEY. His total money makeover book and his talk show is a good start. I won't add anymore about his pl...
Looking to Switch Car Insurance Company
You never really know if you have a good agent until something bad happens! .... get appropriate paperwork to lenders, questions about coverage, etc.). ...
Answers
- All I can tell you is that I have had Allstate for a long time and have been very happy with them. They have always been very helpful when we have made a claim and the...
- Hi Z., I am an insurance agent.(just to let you know up front, but I am sending this as a friend not a solicitor.) I am sorry to hear your agent hands you off ...
- I know that Allstate is really expensive to have. You might want to try an independent type agent that can check with a lot of companies. My agent is great. He call...
How Do I Fix My Bad Credit?
Asked by A.W. from Dallas
on April 20, 2008
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I am a single mother of 3 kids and I want to buy a house for us. But I have bad credit. Iv never bought a house before so things like that are not on my credit. My ki...
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- Without knowing the particulars of your credit, whats on it and how long it's been there that is a hard question to answer. I would reccommend contacting consumer c...
- Hello, A., I am a Realtor and I do not recommend that you call consumer credit counseling. That will show up on your credit as a red flag to mortgage lenders. I have ...
- Sounds like you need advice from Dave Ramsey! Try www.daveramsey.com. You can listen to his radio show weekdays from 1-4pm on 570am KLIF.
Trying to Clean up My Credit
Asked by J.R. from San Diego
on September 29, 2008
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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 for the past few months and this i...
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...
