Archive for April, 2009

How it’s effect debt management program to my credit report?

I'm current in all of my credit card.I try to pay it down and the American consumer credit solution offer me to reduce my APR to pay it in 48 months. But I'm not able the use card other wise I will out of the program.they will start pay to creditor as same as I start to pay them as how much approved by my creditors.

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Wednesday, April 29th, 2009 Consumer Debt No Comments

If my FICA score is 750 and I consolidate credit cards and refinance my car how low will my FICA go?

Where do I go to consolidate 2 credit cards? A bank, internet,credit union? or someplace else…. Which is best?
I would like to keep one credit card active for making airline and hotel reservations. Can this also be done with consolidation?
D/morgan… Thanks for your answer…Liz

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Wednesday, April 29th, 2009 Credit Card & Loan Consolidation 1 Comment

Is it smart to take out a personal loan to pay off credit cards?

I've been thinking about taking out a small personal loan to pay off my 3 credit cards and my 2 department store cards. do you think it's a good idea to do so? would it just be wise to continue paying off my credit cards monthly? it's just a thought that came in my head and was just wondering if anyone else has ever taken out a personal loan to do so.

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Wednesday, April 29th, 2009 Credit Card & Loan Consolidation 6 Comments

Can you use a student debt consolidation loan for personal use?

I have researched online and am still not clear on how this works. I really need a personal loan to help out with some other bills and am no longer able to take my classes. I am now in deferrment on my federal loan and they don't do credit checks or anything for a consolidation loan. Just curious.

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Wednesday, April 29th, 2009 Credit Card & Loan Consolidation 2 Comments

How do I consolidate my credit card debt?

My wonderful , but obviously money happy boyfriend has accumulated around k in credit card debt. He has 4-5 credit cards, one with a balance of k. He does not own a house. We tried the bank where he has his truck loan through, but he cannot get a loan because he has no collateral. What can he do now? We want to start moving in the direction of marriage and a family, but not with this looming over us. What is the best way to resolve this issue?

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Tuesday, April 28th, 2009 Consumer Debt 7 Comments