brownsugar1961 asked:


I am trying to clean up my credit report. I have some charged off accounts that are still showing on my credit report. I have talked with the collection agencies and they all have agreed to settlement offers but three of them won’t put it in writing first. One company did and I have paid it off. One guy got real nasty and refused my offer. At first he was nice and then he flipped out. What can I do if they won’t except my offer. One offer is to high and I know I can’t afford it. Some of them won’t except monthly payments either. I have a friend that is an attorney. Should I ask him for help? I won’t my credit cleaned up so that my husband and I can refinace our home in about a year so that we can get a better intrest rate and payment. Please help! If this stays on my credit file it will accumulate intrest. My bad credit came from a previous divorce.

Isabelle

Sarah C asked:


Do other countries have the same credit rating systems as the US? I am moving to London in the next month, and I would love to buy rather than rent housing. However, my US credit rating is too low to obtain a loan. Will I have a somewhat clean slate in the UK?

Sara

nonya. asked:


i just need about 2000 to 2500, and i think my credit’s gotten a little worse over the past few months, i’m not completely sure.. i’m looking to find a loan with these places online, mycredittree.com, etc.. without getting raped with interest. just looking for somewhere legit that will actually get me what i want at a decent rate or at least a decent amount to pay back per month that i can actually afford.. please help i joined a credit union.. i got a loan from them a couple months ago, but forgot to make my payment last month (they take it out of my savings acct. there and i don’t have money direct deposited to it so i have to physically go up there and deposit it before the loan payment is due every month) so my acct. was delinquent for a couple weeks.. of course as soon as i found out, i payed it.. but the lady there said i shouldn’t apply for another 6 months.. i don’t have 6 months. i don’t care if the rates are that bad, as long as it’s not going to be like a payday loan place where i have to pay it all in one shot.. if i only have to make 1 payment a month over a 36 month period or whatever i’ll be fine.. do these places online make you pay it all back in one installment, or are they like normal loans with just higher interest rates?

Victoria

mistypisces asked:


I will be graduating in December and getting a better paying job. I’m wanting to trade my car in. The thing is that I have very poor credit. I am wanting to get a Mercedez Benz. Now I know you are thinking that is very far fetched to want somthing that expensive with bad credit. I know and understand. But I will be able to afford it. I hate it that my credit is so bad. I had to make lots of sacrafices going to school. Now that I am back on my feet again I want to try and better things. Is there any way I can get the car of my dreams with having bad credit and not having a cosigner? What if I had $6-7 thousand dollars to put down on the vehicle? Would they say okay, but with a high intrest rate? How much would I have to put down in order for them to finance me with bad credit? Thanks

Kevin

Kojak asked:


A friend said that since credit bureau use your Social Security number to report people that I could eliminate my bad credit by getting a new social security number. Is that true? Is that legal?

Jared

hip_hop_2314 asked:


Student loans have ruined my credit rating. I looking to consolidate my loans but because of my credit score it makes things very difficult, and i falling deeper in a hole.I need to know if there are any companies that will help someone with bad credit. Serious answers please. thank you.

Suzanne

Ladyrc asked:


My hubby and I just lost our home due to an A.R.M. (Adjustable Rate Mortgage). This was our first home and honestly we didn’t quite understand the A.R.M. but we found out the hard way. Is there anyway we can reastablish our credit? Any help would be beneficial. Thanks in advance.

Kaylee

Faith E asked:


My husband and I do not currently have a car. I need one soon. Life is hard without a car, alot of …situations require a car. Alot of situations require a decent, reliable, good car. My husband has a good reliable paycheck, and we only have a few bills and rent. We can afford a high interest rate and a short term loan but we have little to put down on a car. What would be a good course of action?

Julia