Credit problems?

Question

Does any1 know of any sites or information on how to best clear credit card debts quickly and efficicently. My girlfriend gets a bit trigger happy with the things and i think its time to get them cleared and cut!

Answer 1

Yes try this:http://www.expert-credit-advice.com/debt_settlement_service.htm

Answer 2

i have just been through the same thing, having to much going out and the interest alone was crippling me, i went to a debt management company and they negotiated with all my creditors to reduce the interest until it was paid off, so instead of it taking 10 years to clear it will now take 4 and there was no need to take out more loans to pay off old ones, the first month was hard work when creditors were calling wanting money but i do believe its the best solution to debt problems. im even now applying for a mortgage, something i never thought would happen

Answer 3

Without getting a debt consolidation loan, the best thing would be to pay as much as possible on them each month. Pay more on the one with the highest interest rate. Once you pay that one off, add that payment to the card with the next highest interest rate. Continue until they are all paid off.

Answer 4

cut them up before you clear the balance to stop them being used, a debt consolidation loan may help with lower interest rates or you can write to the companies and say you are having trouble paying and ask them to stop adding interest, which they will, and finally offer to pay them back at a set amount each month, they won't refuse!

Answer 5

well let her worry about that. dont' let her add your name as an authorized user or it could affect YOUR credit as well. In some states, even as an authorized user (even if you didnt sign the agreement) you could be held liable for any charges made EVEN if you didnt make them.. be careful.
go to www.freecreditreport.com and they can give you a copy of CBR or go to the respective sites and get a free one, once a year.. i recommend getting one. then 4 months later getting the other etc.. Equifax, Transunion and Experian. good luck

Answer 6

I am going to suggest 2 articles to you. The first one explains what goes into your credit score and how to affect it. The second one tells you where you can get it and what to look out for once you receive it so your score can remain in good standing.

http://financialbasics.blogspot.com/2006/11/credit-reports-and-credit-reporting.html

http://financialbasics.blogspot.com/2006/11/its-your-credit-take-care-of-it.html

Credit is a numbers game. The more you know, the better equipped you are.

Answer 7

U could always try a debt management company

Answer 8

Get a 0% interest on balance transfers card.
Transfer as many balances as possible.
Cut up all of the cards and pay the balance.

Answer 9

No easy way, its a debt, you have to pay it. Suggestion, if you girlfriend runs up the debt, let her pay it of. or get a new girlfriend that's cheaper to run

Answer 10

Are you late on payments, in collections, or just asking for helping making payments? If anything, you should contact th eoriginal creditor first for assistance and available options.