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Posts Tagged ‘credit reports’

I want to start paying down the debts on my credit reports. I am getting ready to order all 3 reports. I want to look them over and see what needs to be paid. I am not sure how to go about paying them. Will paying them off get my credit good again? And, if I pay them, will they be deleted from my credit reports? I am in a position now where I may soon need decent credit. And I have a bankruptcy I filed in 2004 which will roll off next year, finally. I don’t want to go through a debt consolidation service because the debts are for minimal amounts like 5.00 and .00, etc. and, I have no credit card debt because I can’t get a credit card. It will take longer do it that way, too and it’ll cost more in the long run. I think it’s better for me just to pay each one separately. How would I go about starting to do this?

Debt consolidation loans allow consumers to pay off credit card bills with the help of a bank loan. Consumers should be mindful not to go back into debt after paying off credit cards. Find out more about debt consolidation withinformation from a registered financial consultant in this free video on money management. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC

Debt consolidation can be beneficial for those who would like to create a new loan from all of the debt they have accrued, but contacting each collector first to work out a payment plan can be advantageous. Understand how debt consolidation works withadvice from a licensed financial planner in this free video on personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for over 30 years. Filmmaker: Christopher Rokosz

Getting out of debt using a pyramid method requires making a list of all bills owed, paying off the smallest bill or paying off the bill with the highest interest rate. Add 10 percent to each bill paid to save money for the next bill withadvice from a licensed financial planner in this free video on personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for over 30 years. Filmmaker: Christopher Rokosz

I am not looking for debt consolidation service, but a credit counseling service. I do not have any credit card debt, but I do have over ,500 in total debt on all of my credit reports. Which one is best?

ok, you just obtained a copy of your 3 credit reports and find information on it that belongs to your relative (Your 1st cousin) who you have never lived with and are somewhat close too; the information you find is like their address and some fraudgligent debts which you know are not yours… Also, you dispute it and it is then removed; how would you handle it.. Need your input..
Please excuse the typo’s..

Government funds are rarely available to pay off personal debts, but searching for a government grant can be used as a last resort after attempting to plan out debt relief. Find government funds to help out personal debt withadvice from a licensed financial planner in this free video on personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for over 30 years. Filmmaker: Christopher Rokosz

Getting a federal grant to pay off debts can be complicated, as there are many scams that try to sell the idea of readily available grants. Research federal grants thoroughly to help find a legitimate source of help withadvice from a licensed financial planner in this free video on personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for over 30 years. Filmmaker: Christopher Rokosz

I just pulled our credit reports and I have a few questions!!!

1. If my husband is the only one employed should he be the only one on the mortgage (when we apply)

2. My husband is 8,000 in debt. 16,000 if you include his truck. But we make monthly payments of 340.00. It will be payed off in January 2011. I do not work and we have set up our accounts and everything to be debt free (aside from the truck) by the end of the year! He makes 47,000 a year not including overtime. I know it will be hard but we need to do this! Will we be able to be approved for a home loan when we don’t have this debt or should we wait a while?

3. I would like to do 100% financing. Is this a bad choice?

We are only 20 and 21. So we have a while right?

Thanks )

The best debt consolidators have the client’s interest at heart, as there are many scam artist companies who charge a large amount of money up front. Find a non-profit debt consolidator withadvice from a licensed financial planner in this free video on personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for over 30 years. Filmmaker: Christopher Rokosz