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Posts Tagged Credit Debt

How do I fix my credit and make sure my unpaid debt is taken off of my credit report?

Nov 21

Posted by Banki in Credit | 5 Comments

love_earth22 pyta:
How do I fix my credit and make sure my unpaid debt is taken off of my credit report?

I am getting sick of my bad credit ruining everything I try to do. At this point I am finally able to pay off my debt in order to fix this problem. I have heard stories of people paying off their debt but the company leaving them as unpaid on their credit report. I DONT want this to happen. How do I go about paying everything off while making sure it is taken off my credit report for good? How long does it take your score to change after you paid everything off?

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Can credit card companies sue an estate of someone who has died to collect outstanding balances?

Nov 18

Posted by Banki in Credit | 10 Comments

artis pyta:
Can credit card companies sue an estate of someone who has died to collect outstanding balances?

My father in-law has incurable cancer, and outstanding credit card debt of about $55K. Can the credit card companies sue his estate or children to collect the outstanding balances on his accounts once he passes away?

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How do you negotiate with credit card companies as it relates to interest rates, etc?

Nov 6

Posted by Banki in Personal Finance | 3 Comments

In Need of Help pyta:
How do you negotiate with credit card companies as it relates to interest rates, etc?

We have about $100K in credit card debt. I’m trying to get it under control, however, I’m back in the same big hole every month due to interest. I have looked into credit counseling services, everyone wants to charge you some large fee for negotiating with credit card companies. I want to try to do this myself. Does anyone have any suggestions, points or tips for doing this?

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How long does it take to rebuild credit?

Jul 11

Posted by Banki in Credit | 6 Comments

Carme V pyta:
How long does it take to rebuild credit?

I just recently paid off all my past credit card debt. I paid off one student loan (expect the interest) and i have one student loan still active. I noticed my credit score went up, but i am still being denied. How long does it take to completely clear off my debt and how soon should i apply for credit so i can “rebuild” my credit. And do bad credit ever go away?

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How can you get your credit card companys to lower your interest rates,after you have lost your job?

Jun 4

Posted by Banki in Credit | 1 Comment

Wyoming pyta:
How can you get your credit card companys to lower your interest rates,after you have lost your job?

I have been unemployed for over a year. I have been able to keep up with all our credit card debt until now. I have tryed to call the credit card companys for help and they won’t help until I am way behind, I am trying to avoid this. What can I do to get them to drop the interest rates on our cards?

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What credit card info is needed for buying a house?

Nov 29

Posted by Banki in Renting & Real Estate | 10 Comments

Lissa pyta:
What credit card info is needed for buying a house?

I’m a stay-at-home mom with a large credit card balance. I have no outside income. My husband may be taking a new job which will require us to move. My credit card debt is in my name only, and my husband does not know of it. I was wondering if at any point in buying our new house if my own personal credit card debt would even come up, since only his income is an issue.

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