Archive for May, 2009
Will negotiating credit card debt hurt my credit score?
I've been unemployed for a couple months, and the credit card payments are starting to hurt.
If I negotiate with the credit card company to reduced my debt or monthly payment, will this somehow hurt my credit score.
I plan on refinancing my mortgage when I get another job, and I don't want my score to be hurt.
How do get my credit card debt to zero?
I had left USA around 4 years back as I could not get a job(software). When I left I had credit card debt. Now i want to be back and normalize my debt. I currently dont have a job. I checked my credit report on the internet but confused with the terms. Its certain that collection agency must be trying to locate me. I cant figure out my current debt, thats when I left and now(including interest?). I need help in how to take the first step and how its going to affect my job-hunt.
Can I pay off credit cards and ask for some interest to be knocked off?
I am going to pay off 4 credit cards. I want to pay these off and close the accounts and will cut up the cards. When I call to do this, I want to ask if they can knock off some of the interest since I am paying them off. Also I have some late fees applied to them. Do you think they will do that? How should I ask? Thanks.
How to pay off credit cards enrolled in a debt management program?
I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay them off faster with a lower payment each month. Should I pay the cards directly or go through the credit counseling service? Which is better for my credit score?
How to refiance your home and consolidate your credit cards at the same time?
My girlfriend and I just finished building a home. We have a 30 year fixed loan for 0,000 with a 6.125% interest rate. We also have used a lot of our credit cards to finish our home. With interest rates very low right now, we want to refinance with a lower rate and consolidate our credit card debt. So every month we pay one payment for our credit cards and home. Is this possible? What would you suggest? How it works? Any bank suggestions?
Articles on Debt Consolidation
More on Debt
- Eliminate Student Loan debt by Planning Ahead
- The Truth about Debt Consolidation
- What is Debt Consolidation?
- What is the Best Way to Eliminate Credit Card Debt ?
- How long to build credit up after cancelling credit card?
- What is the difference between a credit card and a pre approved credit card or is there no difference?
- What is the best credit card to apply for for the first time?
- How many of you give in to the credit card offers?
- What happens if your credit score gets lowered due to late auto payments, but then you pay off the auto loan?
- How to get a credit card with no credit and no checking account?
- What is a good credit card for someone with excellent credit?
- What credit card would you recommend for someone trying to re-establish good credit history?
- What does closing a store credit card do to your credit?
- Can credit bureaus report late payments after a sheriff sale?
- Credit….?