I have bad credit for late payments…how can I improve my score?

On card closed my account because I was so far past due??? I have sice paid everything off–but I want to build my credit back up….do I cancel cards or keep them–I hear all types of ideas to build up bad credit..should I pay one of those debt eraser people??? Read more here

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Is there anything in it for credit card companies to reduce my interest rate?

I'm in the process of paying down my debt and it would be nice to do it at a more reasonable interest rate. Basically all of my cards are in the 20% range and i've been told you can negotiate a better rate. My score is in the mid-600's and all accounts are in good [...]

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Is there anything in it for credit card companies to reduce my interest rate?

I'm in the process of paying down my debt and it would be nice to do it at a more reasonable interest rate. Basically all of my cards are in the 20% range and i've been told you can negotiate a better rate. My score is in the mid-600's and all accounts are in good [...]

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best credit card consilidation companies? 30k debt-no real estate, paying on time-difficult though.?

or should I just call my cards and tell them I'm about to file BK to get reductions? Read more here

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I’ve heard of student loan forgiveness programs. Are there any credit card forgiveness programs out there?

My husband and I are literally drowning in debt. There's no way we can file bankruptcy or do any of that consolidation stuff. He has a federal job and would pretty much lose his job immediately. We have found relief from his student loans by filling out a form and getting his payments cut in [...]

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bill consolidation?

Believe or not– I am in debt about ,000 credit card only- and finally divorced the guy who helped raked up the bills. I consolidated today the three cards for a interst rate of 13 fixed to keep my monthly payments below 0 total. Was that smart or not? Before that I paid 0/month and [...]

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Please help: Could credit card debt counseling and debt consolidation be helpful to me and my situation?

I have about ,000 of credit card debt on four different cards with APRs ranging from about 11 to 14%. I am not working now but have a job overseas waiting for me starting some time in March. Could one of these credit card debt consolidation companies be useful for me? I've seen the advertisements [...]

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