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?

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?

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?

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?

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?

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.