Credit - October 2006

my husband and i have found ourselves with overwhelming credit card debt....i have looked into debt consolidation programs but my husband says that if you do one of these programs it hurts your credit rating...is that true? does it show up on your credit report? and has anyone participated in one? was it worth it? did it help you? are there any risks??? what company did you go with?

Thanks!

2006-10-05 06:23:23 · 6 answers · asked by jenny 2

How would you get out of debt fast, you don't want to file bankruptcy. What are the other options you would choose.

2006-10-05 06:10:20 · 11 answers · asked by Anonymous

2006-10-05 05:52:33 · 7 answers · asked by missstace20 1

i have used many credit cards in the past, most of which i have cancelled, but there are some that are still showing as active, is there anywhere that will be able to show me which i have outstanding

2006-10-05 05:41:31 · 11 answers · asked by ian t 1

2006-10-05 05:05:12 · 5 answers · asked by Yafit S 1

You have a credit card with a balance of $340.41. Your interest rate is 17.99% and you pay it off after 8 days.

How much interest would you be paying?

2006-10-05 04:31:31 · 6 answers · asked by Kevin 3

I heard it is possible to repair my credit score on my own instead of using companies who charge you for it. Please help me!

2006-10-05 04:26:33 · 8 answers · asked by crown_brook 1

IF you have please let me know you experience. their phone number is 866-887-9120

2006-10-05 04:11:45 · 1 answers · asked by jazzy jay 1

Many late payments and actually still getting late fees because I am over the limit but have been on a plan with all of them for a couple of months. would like to pay them all off with a lower interest loan.

2006-10-05 04:00:10 · 10 answers · asked by sammy81jodi 1

2006-10-05 03:57:46 · 17 answers · asked by Dan 3

2006-10-05 03:55:18 · 2 answers · asked by Jack S 1

i have a bunch of things in my name and a credit card, but whenever i apply for things concerning credit it says i have unsubstational credit, i am trying to get approved to finance a home and i was wondering what kind of credit score i would have with no bad credit but unsubstantial?

2006-10-05 03:11:30 · 5 answers · asked by stacey g 1

I have never had a credit card, mortgage or car loan. I have never filed bankruptcy. I have looked at my credit report and the majority of problems are medical bills. I also have some unpaid utility bills on there. I cannot even get a cell phone without a $300 deposit. Why do these things make my credit score terrible? I though CC's and bankruptcies were the major problems. Can anyone explain?

2006-10-05 02:31:40 · 15 answers · asked by Anna 1

What is the best card for me to get? I know interest rate is a big deal, but since I plan on paying it off every month it shouldn't make that much of a difference correct?

2006-10-04 23:48:27 · 7 answers · asked by Jenny S 1

I mean, if I get the card, then pay off my bills by the due date..I won't have to pay any interest correct? I want a credit card to build up my credit but want to be extremely careful doing so

2006-10-04 23:38:02 · 13 answers · asked by Jenny S 1

Does anyone know where I can open a bank account where my credit rating wont be a factor - I dont want an overdraft, loan facilities or credit card...just an account and a debit card.

2006-10-04 23:25:25 · 15 answers · asked by Anonymous

I wanted to do a backround check on myself just for sh*#s & giggles and stupidly ordered the cheapest site available. It promised access to all public records and a money back guarentee. What the site offered was just a database for a lot of other backgound check sites that you have to pay a lot of money for and absolutely no link to getting my '100% guarenteed money back if not satisfied.' It only cost me 30 bucks, but I don't want to give the jerk(s) the satisfaction of ripping me off.

2006-10-04 20:14:24 · 7 answers · asked by sodawater 1

2006-10-04 18:49:08 · 8 answers · asked by yowhatup 2

Mine got messed up with credit issues, debts, child support and repossessions... all stuff I want to avoid. Is there a service where I can start fresh and unkown I can subscribe to? If I pay this crap I can't get ahead.

2006-10-04 15:47:30 · 6 answers · asked by Anonymous

I tried to use my check card that is more reliable then credit cards, and I was refused. Why?

2006-10-04 15:44:52 · 4 answers · asked by del b 1

2006-10-04 15:03:06 · 5 answers · asked by Ericka C 1

My bank declined my application because I have no credit history. I've never had a credit card before.

2006-10-04 14:58:22 · 13 answers · asked by Anonymous

which of two deals is best offer for card i owe $3800

2006-10-04 14:57:50 · 7 answers · asked by mike h 1

My friend has almost no credit history and was wondering where to begin.

2006-10-04 14:00:10 · 13 answers · asked by John G 5

2006-10-04 13:36:01 · 9 answers · asked by taloos2hot 1

2006-10-04 13:24:48 · 11 answers · asked by Ericka C 1

i have no idea how to find what my intrest rate is so if someone could help me that would be great and if any ones know what kind of a loan could i recive with a credit score of 612 im just starting to build mind up

2006-10-04 13:10:39 · 2 answers · asked by Anonymous

2006-10-04 12:53:31 · 15 answers · asked by RASHETTA B 1

I have considerable U.S. credit card debt and I am considering using a U.S. company to consolidate the debt. I live in Canada and have my home and all other assets in Canada. Does anyone know if ruining my credit in the U.S. will affect my credit in Canada? Also, can anyone recommend a good U.S. debt consolidation company?

2006-10-04 12:37:34 · 3 answers · asked by Anonymous

2006-10-04 11:47:43 · 4 answers · asked by stacey g 1