I know a couple of people who have HORRIBLE credit? what suggestions can I give them?

I know a couple of people who have HORRIBLE credit? what suggestions can I give them?

I know a couple of people who have HORRIBLE credit, to were their credit scores are below 450. They are getting lein on accounts and creditors calling. One particular person has tried credit counseling and it did not work. How can you repair bad credit without declaring bankruptcy.

Answer : I would recommend one to try this web site where you can get from different companies: http://creditandfinancesolution.info/index.html?src=MEDFEBohTae8AhBai .

Related :

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“”I need help for my accounting assignment. please somebody help me in th post journal entries,im so desperate?””
here is what i have to do, im real bad in accounting and i was super dump ( if i dont wanna say that im stupid? in accounting. so pls if anyone know how to do it, so pls help me out. im so appreciated. 1. Pre paid insurance premiums for two months (including June) totaling $3,000 cash 1. Pre paid rent for four months (including June) totaling $8,000 in cash 3. Performed $4,000 of services for credit customers 4. Paid cash for additional office equipment valued at $2,000 4. Purchased additional supplies on account for $1,000 5. Received $4,000 cash for services previously performed on account on 6/3 7. Paid cash for part of the supplies purchased on account on 6/4, $500 8. Received cash in advance for services, to be recorded as unearned fees, $2,500 9. Received cash for the beginning accounts receivable balance, $1,500 11. Paid cash for the rest of the supplies obtained on 6/4, $500 14. Paid the secretary for 2 weeks of work, $2,000 18. Recorded services performed on account, $3,000 21. Paid cash for supplies, $800 21. Purchased online advertising space, $1,000 23. Received cash from credit customers (6/18), $2,700 25. Paid the phone bill and recorded it as utilities expense, $200 26. Paid the electricity bill and recorded it as utilities expense, $150 28. Bought an adding machine on account, $100 and recorded it as office equipment. 28. Paid the secretary for two weeks of work, $2,000 30. Withdrew $1,000 cash for personal use””
“”
How to undecline my loan online?
ok so i have a university of west georgia online account and since this was my first time doing this i accidently declined two of my loans online (stupid of me, i know) and i dont know how to get them back, plleeaaasseee help.””
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I want t refinance my auto loan my Apr is %11 right now how can i reduce it?
I bought used certified car from Dch honda. That is Honda civic 08. The problem is i didn’t put any down payment on that and that vehicle is on my mom name and i am co-signer,because she had good credit history and i didn’t have any history.And they give us %11 APR. My 14,000 going to cost me more than 24000 dollars. now i recently get credit card and i am trying to make my credit history good.But still my history is not that much good.So my apr is very high is their any way to reduce it what is the best company to refinance it. I already applied to refinance it from my Bank but they denied it reason was (collateral damage) I don’t know what it means :(“”
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Can credit score go up if i place a security freeze on all 3 credit bureaus?
OK i apologize for throwing people off on the last post, since i was on the phone placing a security freeze while i was asking this question. What I meant to say was that if i place a security freeze on my account will my fico score or score on all three credit bureaus still be able to fluctuate with the current accounts I have on my file already? Or will it freeze EVERything entirely? I lost my wallet today and my social security card was in there thats why and i cancelled my crredit cards and ordered new ones as well. The point is I just want to keep the accounts I have right now while still building credit on a security frozen account. Will putting all 3 credit bureaus on security freeze for my account be a good solution for my problem?””
“”
“”How can I get a personal Loan of, 4,500 dollars without going through a Bank?
Im young with little to NO credit
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#repost

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How to add new home address to credit report?

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#repost

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#repost

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Where can i get my credit score for FREE?
like not my report my score? or the FICO score i think its called please no spam
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#repost

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Is 670 a good credit score?

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Payday loan?????? how many applications?

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Chittenden bank auto loan?

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What is the attraction that people have to CREDIT UNIONS? are they any good?
What are they for? The good and bad things about them?
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#repost

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When shopping for a mortgage loan…?
Is it a good idea to work with more than one company to find the best rate, or to work with one company at a time?””
“”
“”I am trying to build my credit, can someone tell me a good credit card to get..??
I only want to get like gas on it and then pay it right up so that I can at least build my credit a little…. Any advice?? and please tell me if this is a bad idea… and if so why?
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#repost

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Any advantages of having my wife’s name in the mortgage and home buying process ?
I am the only one working in my family. My wife does not work. I have a good fico. I am planning to buy a home and in the mortgage application and home process I am using only my name. 1) Any advantages of having my wife name also in mortgage and home process ? 2) I file taxes every year as married filing jointly , any advantages in having both names in mortgage and home ? 3) Or is it fine to just have my name in it ?””
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I need Help. I’m in Economics. I don’t understand these questions. My teacher didn’t explain them very well in class.?
2. Which action could the federal government use to soften recession? A. decrease spending B. decrease money supply C. increase federal tax relief D. increase federal interest rates 3. Which action would the Federal Reserve Board most likely take as an attempt to limit mortgage lending? A. by lowering the prime rate B. by raising the discount rate C. by lowering the reserve requirements D. by decreasing the money supply in circulation 4. Which implementation of monetary tool by the Federal Reserve System would lead the nation’s money supply to expand? A. closing failing banks and financial institutions B. decreasing the reserve requirements C. reducing the number of loans approved by financial institutions D. decreasing the purchase of government bonds and securities 5. What is the primary function of the Federal Open Market Committee (FOMC)? A. to make key decisions about nation’s money supply B. to conduct daytoday supervision of member banks in the Federal Reserve System C. to approve the appointments of board of governors and directors of reserve banks D. to supervise the stock exchanges throughout the nation
“”
What happens if we purchase a car in cash?
what will happen if i purchase a car through cash which is priced around 12lakhs.? and what if i go for loan? whats the advantage in taking car loan? does it helps in tax enquiry.. or not … plz determine ur answer .. thanking u..
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Can you get a store credit card with this score?
I want to get a credit card from a store like best buy, compusa or sears but i want to know if my credit is good enough. I just got a free credit score from Credit Karma and my score is 658 Is that good enough? and what store is it easier to get a card from?””
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#repost

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“”Denied prosper, credit union, and etc. Desperately need a 3000 personal loan.?””
Struggling college student, drowning in credit card debt. need a personal loan of 3,000. single-parent home with no extended family.. any suggestions? or am I SOL””
“I know a couple of people who have HORRIBLE credit? what suggestions can I give them?

I know a couple of people who have HORRIBLE credit, to were their credit scores are below 450. They are getting lein on accounts and creditors calling. One particular person has tried credit counseling and it did not work. How can you repair bad credit without declaring bankruptcy.

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My credit report says I have an open card that I paid off years ago. Should I dispute that or keep it on there?

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“”Need cash, who can i contact for a loan application here in the philippines?””
im in metro manila, needs cash and interested in loan application””
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Banks loan?
beside banks where else can get loan?
“”
How much does it normally cost to get a full auto detailing in US?
I bought a used 2002 firebird and i want to get some detailing done. How much would it normally cost me?
“”
“”How do I get a free credit report, not the free”””” kind…really free?””””

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Are online payday loan sites legit?

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“”Could I get an auto loan with the following income, credit, and down payment?””
Income: $1,502 monthly Credit: Transunion: 539 — Experian: 493 — Equifax: 595 Down Payment: $1,800 I don’t need anything expensive or fancy, just a decent vehicle under $10,000.00"”
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Do you know of credit card companies that would issue credit cards to people with bad credit?
I travel a lot internationally and credit card has always been a must. Need your help, please!””
“”
“”How much would a 140,000$ mortgage cost me per month at the new low rates,lets say 5.1%?””
we are currently paying 908 per month(not including escrow) at 6.75(which was the best rate at the time…september07)600 goes toward intrest,the remaining 308 towards the actual balance.how much would my monthly payment be at 5.1%…should i refiance for this lower rate?will i have to pay closing fees again or are some banks doing it with no fees?is it worth it for us to refiance to a lower rate we have been heer just over a year””
“”
What is the car exemptions for chapter 7 bankruptcy in ohio?
What is the car exemptions for chapter 7 bankruptcy in ohio? i keep getting conflicting information. my car was paid off in full on one of the credit cards i am filing bankruptcy on. so i own it outright. it is my only car, it has a value of 7–8500 depending who you ask. if i filed 7 could i keep my car? obviously i would rather file 7 then 13.””
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Easy credit card to get with not so good credit????
What would be any easy credit card to get if I do not have perfect credit. Valid response ONLY please!!!
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#repost

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#repost

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“”Because of the current economy, Im finding it hard to comply with my auto loan?””
Because of the current economy, Im finding it hard to comply with my finances. I have an auto loan and I may have to turn it over to the finance company. The car owes much more than what its worth. My credit will be affected. Can they put a lean on my house?””
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Where can I get my credit report online?
Hi I need to get a credit report done ASAP, anyone can help?””
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Is it hard to get approved for a Capital One auto loan? I’m asking because my credit isn’t all that great.

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What does interest payments mean for a credit card?
Is this a good or bad thing ?
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WHAT HAPPENS TO YOUR CURRENT CAR LOAN WHEN YOU FILE FOR BANKRUPCY?
I AM CURRENTLY PAYING MY CAR LOAN BUT WANT TO FILE FOR BANKRUPTCY. DO I LOOSE MY CAR OR HAVE TO CLOSE THAT LOAN ACCOUNT THAT PAYS FOR MY CAR?
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Recommend me a 3 bureau credit reporting/managing site?
Not a bogus site with minimal Ads and junk mail sending site. paid service or not, doesn’t matter as long as importation is accurate and easy to use.10pts to best answer””
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#repost

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Is a credit score of 687 good?
This is my FICO score.
“”
Does Bank Of America give cash advances on EDD accounts?
Every time I go inside the bank to withdraw funds the associate asks me how much and doesn’t look up account information. She just goes to get approval. I need $600 bucks and have $420. I need 180 dollars. The bank associates always say advance….like they are giving me money that isn’t there but it is… So if I ask for $600 would that me wrong? I mean they will just deduct the $180 when I get my check EDD check right? So no big deal? Would this work? I’m not trying to cheat or be sneaky…I just need the money.
“”
How to Calculate IRR (Internal Rate of Return) Manually?
You buy an equipment for $ 16,980/- and receive a cash inflows of $ 3,000/-per year for 12 years. What is the internal rate of return? I know how to calculate IRR on Spread Sheet/Calculator but I want to know the formula to calculate it manually as it would be required in my Financial Management exam.””
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I need to know the first steps in filing for bankruptcy?
i’m not looking for ways to pay off my debts… i already tried debt solution companies to resolve my debt. they all wanted me to pay 90% of my paycheck for 6 years to get my debt resolved. i’m not looking for ways around bankruptcy i just need to know where to start to file.
“”
What is a good online company to get a payday loan through?

“I know a couple of people who have HORRIBLE credit? what suggestions can I give them?

I know a couple of people who have HORRIBLE credit, to were their credit scores are below 450. They are getting lein on accounts and creditors calling. One particular person has tried credit counseling and it did not work. How can you repair bad credit without declaring bankruptcy.

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#repost

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Can a new car dealer raise your interest rate after you sign papers and take the car off the lot?
I purchased a new car signed all the papers and took the car all weekend. They then call me on monday and say I have to come back and resign becasue they were going to have to raise my interest rate. Is this legal, is there anything I can do?””
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“” a good cash advance company””””?””””
Hi. Is anybody here knows a website or a company where you can have an advance cash without much requirements? such as employment verification? Or one that is good for a self employed person? the cash im looking is like $500 less.
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A friend doesn’t have a credit score. I suggested a credit card — what will that raise the score to?
He’s not done any borrowing in a long time and, yes, has a score of zero. He wants to buy a house and, hence, since no banks will loan without a good FICO score I suggested the credit card. I’ve searched high & low for the manually underwritten”””” loan banks & they all said “”””we do””
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#repost

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Car loan with no verifiable income?
Self employed, but I haven’t been working much. Assume no verifiable consistent income for a couple years. I’ll start working again soon, but I need a car first. Stock holdings worth more than the cost of the car. (Rather not involve these as collateral or even bring it up, but if I must…) Credit score 761 as of last summer. Based only on a $300 card and no loans. I have since added a $500 card (which was difficult to get because I had no car or home loan on my credit rating). Both cards have been maxed out at one point, but have been paid down entirely for a few months now. I can put about $2,000 down on the car, $3,000 if I must and I guess sell stocks if I absolutely must have a bigger down payment. $2,000 is ideal though. What kind of loan can I expect to be approved for? Would it help if a family member with great credit co-signed? I’d rather not though.””
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“”I’m planning on moving out next summer, but it says I must have good credit score?””
I’m seventeen, will be eighteen in July. I’ll be moving out right after I graduate to be closer to my college. My college doesn’t offer student housing so I had to look for apartments near by. I found a few good ones, but it says they need to check my credit score. Being only seventeen, I don’t think I have one..? Never had a credit card, job, bank account. What does this mean and what should I do?””
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What’s the diff between a Sherlock and a Shylock.?

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Getting financed for an auto loan!?
Okay so i tried financing a car through a large dealership twice around six months ago but i was turned down. I was making around 1,000 a month at the time with a part time job and they turned me down because i supposely had a bad judgement on my credit file. I went and checked my credit files from the 3 agencies and i only had a judgement on 1 of them which was EX. I checked my credit scores as well and they were at EX 550 TU 612 EQ 640. Now that judgement was an error since me and my dad have the same name so i contacted Experian and it took about 3 weeks to get the judgement completely removed. I have been monitoring my credit files for a couple months now and as of right now my scores are EX 660 TU fico 680 EQ fico 703 and have held a fulltime job for 8 months where i make about 1600 a month. I want to finance a new Maxima but the problem is that i have a negative equity of 10k. Now here is the thing, if i trade it in i would at least get 3k which would bring the negative equity to 7k and the dealer has a sale of $2,500 cash back on the Maxima, I’ll throw in $500 from my pocket and that would bring down the equity to 4k which i want to get rolled over to the new deal. Is that possible? Would the dealer get me approved? Thank You.””
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Received a letter for Student Loan Affordability Initiative; is it legit?
Supposedly I can reduce some of my student loan debt, but I cannot find anything online about this letter, and the number given does not show up in searches. I know about the Student Loan affordability act, but this sounds fishy. Has anyone else received this or know if it legit? The letter is signed, but i cannot read the handwriting, and there is no printed name, just says Student Loan Affordability Initiative under the signature.””
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Credit and credit card help !?
So, I’m going to apply for a credit card because I need to establish credit before I can buy a new car. Well, (obviously I know not to buy a car on a credit card and I know to use it wisely and to pay it off every month etc.) I have a Kay Jeweler’s credit card already but I’ve only bought one thing and I have been paying on it each month since Oct. 2010. Would I still be considered as having no credit or average credit? I want to apply for an Old Navy credit card because you save 10% when you shop there and I do a lot of shopping there so it would benefit me to get that but I don’t want to hurt my credit score by getting declined. I saw the prepaid credit cards but I really am interested in an Old Navy card. I am 19 years old, but I am very smart with my finances and I am very determined to keep great credit. (I have no one that could co-sign for me for anything so that’s why I need to establish my own credit)””
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How to get approved for a Mortgage after Bankruptcy?
Unfortunately I had to declare bankruptcy in 2007. I do have an over due bill but, I plan on paying that next month. I have no credit cards & pay in cash all the time. So, as of Next year 2012. I would have worked at my job for over 1+ years. In 2012, It will be 5 years since my Bankruptcy. At that point, I would have rented an apartment for 2+ years. I paid every single rent, phone bill payment on time with money saved up in the bank. No money owed. My question is what that understanding, how would I go about getting approved for a mortgage to purchase a house? I realize, I have to get that one bill paid off in full. But are there any other steps I can take to help me?””
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Any chance of being approved for an auto loan?
Curious About Auto loan Inquiry My fico is 672 I have about 7 credit cards all averaging about 4–6 years old with only 10% usage. 1 Collection for $230.00 ( they won’t delete it even with a payment in full ) But i have a repo back in 2008 which i cosigned for a family member which they did not pay the loan and ended up getting repossessed. I have a car a paid cash for already, but what i am looking for is to put down $10,000 down-payment on a used vehice that is around $35k.. Would i have any chance of being approved?? Been at the same job for well over 7 years, income 80k.””
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Credit Cards should be banned. It gets consumers into trouble. What do you all think?
I have learned my errors in the past. I am so sick of being a slave to high interest rates, paying minimum payments towards credit cards. My philosophy has changed regards this. What do you the consumer think? Most households have a total of 8 credit cards and they are all maxed out. How can banks justify such things and get families into trouble?””
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Does anyone have tips on settling credit card debts?
I want specific tips for negotiating with the credit card companies. I’m somewhat meek and I know it’s going to be hard for me to really stand my ground when trying to settle. I’m a few thousand dollars in debt, haven’t been making payments for about 4–5 months so they should be desperate to settle. I’m just nervous about getting them to agree on an amount I can afford. I have a student loan and I can only settle for a certain amount of that obviously. Has anyone done their own debt settling before, without a consolidation company? Thanks for any advice :) (Please don’t answer the question with comments about why I SHOULDN’T settle my debts or had bad credit cards are. This is something I have obviously already realized and not what I’m asking, I am set on paying a lump sum to settle.)””
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What is the best mortgage loan company?
my parents are looking for a loan mortgage company. also, is it possible for different loan companies to give the same person different pre approvals? like for different amounts of money?””
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Where is advance america payday loan center’s at?

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“”Can only one spouse apply for bankruptcy???They have separate acounts, properties, and credit cards???

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Is paying off my auto loan with a credit card balance transfer check a bad idea? Why or why not? Thanks.?
The interest rates are the same. Currently, I am using 16% of my available credit card credit. If I put my auto loan on the credit card, I would be using 41% of my available credit card credit.””
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I can’t view my credit report online?
I tried visiting the annual credit report website and I know I’m putting in the information correctly but I’m unable to view my credit report online. Could this be because I have no credit? I have several bills in my name which are paid on time as well as a checking account and I own my own mobile home so it seems as though somewhere along the line I would have collected some sort of credit (good or bad). I’m going to mail in their form tomorrow. I’m really looking forward to getting a Newegg Preferred Account but I’ve already been denied once. If I ask for a credit report that doesn’t exist will the credit companies open an account for me so I can collect credit for the future or is that out of my hands? Thanks.
“”
Which is good site to get cash fast?
like from the online same day cash or payday loan
“”
On facebook how do you mention a band page?
how do you mention a band page on facebook because everytime i try i cant do it and all of my friends can mention the band page and i cant
“”
“”Can I claim my spouse’s income on an auto loan in CA in the additional income”””” column?””””””
I need a used car loan, but the only income I have is from Social Security. Can I claim my husband’s income in the additional income section and not apply as joint, or using his credit. We are hoping to buy a house in the next year or two and don’t want to use his credit on my car loan.””
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#repost

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FICO Versus Experian?
I just checked my credit score using MyFico.com and my Equifax was 584 while. While, I went to free creditreport.com and my score was 515. I immediately cancelled the freecreditreport.com, and went to the Experian website directly. Apparently they are freecreditreport.com and had the account, I just closed. So I guess my actual question is, is my score really 515? If so, does that mean its going to count against me in the mortgage area?””
“I know a couple of people who have HORRIBLE credit? what suggestions can I give them?

I know a couple of people who have HORRIBLE credit, to were their credit scores are below 450. They are getting lein on accounts and creditors calling. One particular person has tried credit counseling and it did not work. How can you repair bad credit without declaring bankruptcy.

“
What are 4 separate expenses that make up the mortgage payment?
I am really confused with this question. I would have thought the amount of the down payment, the interest rate and the length of the loan. I am not sure. Can you help….””
“”
Can you pay capital one bill with another credit card?
i charged a cell phone and want to put the difference on my bill when i get the rebate card from verizon
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#repost

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Why can’t I get a free credit report?
all of the free”””” credit reports advertised want a fee or a credit card. I just want the free credit report to check something””””””
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#repost

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Does the cosigner have to be in person for a auto loan?
I want to finance about $15000 on a $25000 car. I dont have good credit so Im going to have my grandfather cosign on a auto loan for me. He is not in town but does live in my city. He will not me able to sign any of the papers in person. Can I have everything faxed to him? can he sign everything needed for me to get the car, and fax it back? does he ever have to be in person to sign for the car and loan? I live in portland oregon.””
“”
What is the best alternative hypothesis for how plate interactions change Earths climate?

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#repost

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Did the stock merg or when they filed bankruptcy it went goodbye bye?
Did the stock merg or when they filed bankruptcy it went goodbye bye?
“”
“”I know there is a web site to get free credit reports,but all I’am finding want money?

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When should one consider filing for bankruptcy?
I just received a notice from my credit card company telling me that my minimum amount due has increased. Actually, it has more than tripled. I called the company to see what alternatives I had, but there are no available options. Well the amount is beyond ridiculous and I couldn’t pay that amount even if I wanted to. So I arrive at my fork in the road. Do I consider filing bankruptcy and if so, which one?””
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Can i stop paying my credit cards and be free in 7 years florida?
I am in nursing school and cannot find a job to fit my schedule. my credit card payments that i can no longer make have reached $300 minimum payments because of the sky rocket interest. I cannot pay them anymore but am afraid of what will happen. They’ve already made me pay over $400 in late fees. I can’t afford this. I have to eat and i only make enough to eat. And i dont have any help!
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How do I get a free credit report

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First time home buyer?
My husband and I are looking into buying our first home. The home costs 190,000 and we have a gross monthly of 2,500. Our credit is not very good. But my grandmother has agreed to cosign the loan for us, and her credit is amazing. Tuesday I will be talking to somebody at the loan office, but until then I was just wondering if we can afford that? I was looking up monthly payments on 190,000 loan and it was around 550. Our rent right now is 450, and we get by with plenty of extra. All help is greatly appreciated.””
“”
Does anyone know a plugin for Outlook that allows you to track Open Rates and Click Through Rates?
I want to see if people are actually opening the emails I send over Outlook. Anyone know a plugin I can download?
“”
I would like a payday loan but i dont have a checking account?

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Need to borrow money which loan site..?
would you recommend? i need to borrow 44 to secure myself an audition to a arts school but i simply can’t afford it right now, i don’t get paid until the 20th and i’m so scared i’ll miss my chance to audition this year.. 44 doesn’t sound like much but unfortunately to me its a hell of a lot haha””
“”
Which bank offers free credit card in Germany?
ialready have ec for db, but there’s some online transaction that req visa or master””
“”
Won Money While Filing Bankruptcy?
You people make me laugh. By looking at a 1 paragraph overview of someones life, you think you have all the answers. I guess when all you do is answer questions on Yahoo, you are crowned to be all knowing and all judging. :-) God has allot of captains…………….””
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What is the online address for the free credit report w/ free fico score I saw on TV?
It is NOT freecreditreport.com though both my sons stop to listen to their jingles. This was direct from one of the 3 credit reporting agencies and the offer was good into March. Usually when you request your free yearly credit report from Experian, Trans Union or Equifax you have to pay to see your FICO score. This tv offer was for your free yearly score plus a free FICO with it.””
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Can I lease an apartment if I have a mortgage?
My name is on a mortgage but I no longer live in the house. Am I able to enter into a lease on an apartment if my name is still on the house?
“”
Can u negotiate a lower interest rate on an auto loan after u purchase the car?

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#repost

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Looking for non-traditional loan; willing to pay high interest — even loan shark rates.?

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“”How fast can I get an auto loan for $10,000 for a used vehicle and what is a good interest rate for 72 months?””
I don’t want to put any money down. Also, I have a current loan out for a different car for $30,000 remaining. This one would be for my husband to drive. We’re actually looking to buy a $20,000 car, paying 10 cash to the private seller and financing the remaining 10. Is this not okay?””
“I know a couple of people who have HORRIBLE credit? what suggestions can I give them?

I know a couple of people who have HORRIBLE credit, to were their credit scores are below 450. They are getting lein on accounts and creditors calling. One particular person has tried credit counseling and it did not work. How can you repair bad credit without declaring bankruptcy.