2006-06-13 11:23:51 · 21 answers · asked by Anonymous in Business & Finance ➔ Credit
Check out the women's resource centers in your area. If you can't find any call a social worker
2006-06-13 11:24:55 · answer #1 · answered by Anonymous · 0⤊ 0⤋
It takes a while.
I've been working on it. During the divorce the hubby filed bankruptcy with me. Then I remarried and the second guy was a fraud expert and left me with tons of bills. Not to mention a car repossession that they sold the car for 12,000 less.
I had fabulous credit before all this.
It has taken a few years but during the past 5 years I've been able to buy cars on a high interest but I need a dependable car I commute.
I have opened up two charge cards hsbc is one of them. Be careful here. You don't want one that costs an arm and a leg. I paid like 89. to open and like 6.00 a month for the yearly fee. Yes it costs but it is building up my credit.
It is all going away but I NEVER NEVER pay a bill late. Now realize I left all the rest behind me and only work on what I have.
Just draw a line. From this day forward...I don't use credit only cash. Thank goodness I had the smarts to open a bank account before all this that I've held on to. Or else the check cashing fees are ridiculous.
My credit is coming back. good luck
2006-06-24 04:23:16 · answer #2 · answered by sweetpea 3 · 0⤊ 0⤋
JustingJoiningThe Fun had an excellent suggestion - The CCC can usually consolidate your payments into one payment and is sometime able to negotiate a lower interest rate. Also, paying a small amount on time is better than nothing. I found that just calling your creditors and explaining the situation helps. They are able to put you on a payment plan/schedule that will problably be lower than what you are currently paying, but the catch is you have to pay on time!! I know - I've been there!!
I've added a couple of links, the first is to CCC, but you really need to check it out to make sure of the area they cover. I also included CCC for the San Francisco area - which may not be close to you, but can probably point you in the right direction.
Keep the faith - it may look bad now, but it can only get better and tomorrow is another day!!
2006-06-21 12:22:17 · answer #3 · answered by mompls1 1 · 0⤊ 0⤋
Well first if you haven't already go back to school get a degree then find a stable job then call all your creditors to see if you can work out payments you can afford and make them agree to contact the credit bureaus of their doing it, then if possible find a cheap apartment or go to craiglist and list your situation and someone might offer you a place or try and find a roommate till you are back on your feet then open a savings account place 100 a month in their without touching it as then it would build up trust me I did this and it worked so hopefully it works for u
2006-06-13 11:29:57 · answer #4 · answered by Jada Watson 2 · 0⤊ 0⤋
You can go to a credit counseling agency to get help with any debt. I recommend one that does not charge a fee for their services. You have to be careful with the others. A good way to get better credit fast is to pay more than your monthly payment... if you can. I know that is very difficult when you are a single mom. I've been there. Email me with more details on your situation and I may have more suggestions.
2006-06-13 11:31:07 · answer #5 · answered by veritasquestor 1 · 0⤊ 0⤋
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2006-06-13 11:27:42 · answer #6 · answered by heaven 3 · 0⤊ 0⤋
it is going to be counted on the lender and what rules they use in comparing the riskiness of the loan. certainly, 3 issues can take place: a million) You and your mom gets the loan as co-signers; 2) Your very undesirable credit is so undesirable that the lender will purely make the loan on your mom; or 3) Your mom's FICO credit will by no ability be extreme sufficient (if she has different loans staggering) and the lender comes to a decision to reject your application.
2016-12-08 08:56:20 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Try to get a Providian card. You will have to pay for the annual fee like $89, but if you continue to make good payments, the company will waive the annual fee for the next year.
LC
2006-06-20 06:15:23 · answer #8 · answered by littlebit 5 · 0⤊ 0⤋
See a credit counselor.Check your credit score and get a copy.It may not be as bad as you think. Have you applied for a credit card. Start small and pay it off.Think positive!!! Peace.
2006-06-13 11:33:45 · answer #9 · answered by wildrover 6 · 0⤊ 0⤋
how bad is it? you can send alittle every month to whom ever you owe. if they do not take what you sent save the returned check or money order and keep sending it as it proves you are trying.if it is that bad file bankrupcey,yes it takes 10 years to get off your credit report but what do you have to lose. i filed in 1990 2 years later we bought a new van but we did have a big deposit. good luck to you
2006-06-13 11:32:52 · answer #10 · answered by greeneyes634970 4 · 0⤊ 0⤋