Help Debts

Posts Tagged ‘credit score’

Youapos;ve got a little extra money and want to destroy some debt. But which should you pay off first – the smallest debt, or the one with the highest interest rate?

My sister has a debt from the doctor’s office for 0. It’s for a follow up visit that the doctor initially said was free, then he decided to mail us the bill. We called to try to talk to him to see what’s up but the doctor’s office hanged up on us. So my sister called up a lawyer to ask for advice and they said since the doctor said it was free and THEN decided to charge us w/out letting us know, we shouldn’t have to pay for it.

But now they’ve sent the bill over to collection agency which has been calling my sister. So what happens if we don’t pay them? Would there be interest or bad credit score type of thing?

Thanks guys!

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If your current credit score is above 750 and you have 6 credit cards with over k available credit…does that affect getting a mortgage down the road?

My common sense tells me that it makes my credit score look better and also shows lenders that I can handle large credit limits without going crazy with spending. Available credit isn’t supposed to be debt – but do mortgage companies review your available credit as if you could get in debt, even if all cards are zero balance? Or would that even matter? Just wondering if I should drop some of my crazy high credit limits down in the future (not cancel the cards, but just lower the credit limits on zero balance cards). I wouldn’t think that would affect my score since it won’t have a balance at all.

Some say it’s horrible, some say it ‘might’…some say it won’t and that it’s "good" to have a lot of credit. How about…answers from someone who actually knows what they are talking about and isn’t taking a guess? Thanks.

I need to get an emergency loan…fast!

My credit isn’t that bad (my credit score is 623), but I can’t get a personal loan from my bank. They said that they would only give me an auto loan, which I don’t need. I don’t want to get any more payday loans. I’m told that not in debt enough to declare bankruptcy, but I can’t get caught up on bills.

I’ve also been told that I should not get debt consolidation, as that might make your credit worse. If I could get just enough to get caught up on bills (utilities, medical) I should be alright–I only need about ,000.

Is there some service on somewhere online that provides some kind of loan to suit my needs? Help…any (serious) advice would be very much appreciated!

I have massive credit card debt. I don’t blame anyone but myself for this. However, the interest rates on the cards has gotten ridiculous. I have never missed a payment or been late, but my simple debt, meaning my debt to income ratio, precludes me from getting a normal loan or new credit card to which I could transfer some funds. All my cards are maxed out as well. Again, I could site the bad economy and poor job market, but ultimately I ran up this debt. The monthly bills for the CC’s alone represent a third of my pay. My debt to income ratio is 100%. Meaning that I make just enough money to pay my minimum payments. But at this rate, I will be paying my bills off forever. Are there any legitimate debt consolidation places out there that can help. My credit is extremely important to me, hence the reason I have never missed a payment or was late on one. I do not want to declare bankruptcy or do any kind of consolidation that puts a black mark on my credit. I own a home now, but because of the realestate crisis, I’m under water with that as well, so an equity line consolidation is out of the question. I don’t think that I am so out of the ordinary. I feel like I’m in the majority of americans suffering in this economy. So, can anyone help? Are there any hardship loans or consolidation services that actually help without hurting your credit score.
thanks