credit card debt, please help?

I have over 20,000$ in credit card debt and I had it since 2003. I have never made any payments on them since 2003. The creditors increased my interest to 25-30% after I stopped paying and started debt collecting activites by sending me letters and making phone calls for few years. I did not pay [...]

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My credit score is the basement!!!! HELP!!!!?

Starting out college i got a new credit card but after going over my minimum balance i ran the bill up and now its been a year and i lost my job and still can’t pay it off how can i fix my credit issue its not enough to fill bankruptcy but i can’t get [...]

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Credit counseling: Will it help my score?

I want to fix my credit so I can get a home loan. We are doing much better financially and can afford a mortgage. But I cannot qualify for a loan due to my poor credit (most of which I screwed up when I turned 18). My score is in the 400′s somewhere. Yes, it’s [...]

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fixing my credit score?

my current score is 575 I just finished paying off all my bad debt today, I only had collections on my report no judgments or bankruptcy’s. I also have a new car loan which I got in February for ,000 which I have been paying on time, and I’m going to get a 0 secured [...]

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Would it be good to refinance car loan when the current loan is reported as Included in Bankruptcy wrongly?

I’ve got a car loan that was kept through my bankruptcy and I’ve been paying on for approx two years since now and just realized they reported it as part of my bankruptcy and they will not change(included is said because it was written about in the papers even though it was reaffirmed). I’m trying [...]

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What is the best way to pay off a whole bunch of creditors at one time? Should I talk them down or seek help?

I have lots of bills at credit agencies all over that have accumulated over the last 8 years, from car loans to doctor bills. I almost filed bankruptcy about 2 years ago but decided not to. I have run into a hand me down of money and wil finally be able to pay them all [...]

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Help with bankruptcy or debt relief options?

Im on the fence and i need some insight. Im 27 currently having about 18k total debt from about 4 credit cards. Around 2007 every thing was fine i made about 440 a week with less than 40 hours of work. My main Credit card was 17k limit and credit score was 779. Bought a [...]

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