Can I make a credit card co accept my offer to buy debt out?

I have made an offer to my credit card company to pay them out on a reduced amount to come out of my super under hardship. I am overdue in payments. I wish to pay them out about half what I owe if they would accept that. They havent said no, but they want to [...]

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How do I fix a credit problem on my ex-husband’s credit that was my fault?

My ex-husband and I have a credit card together and he is the primary card holder and I am an authorized user. I have used this card only the past couple of years and had been current on payments until 4 months ago. I had lost my job and really behind on most of my [...]

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Are those “reduce your credit card debt” companies legitimate or a scam that is “too good to be true”?

These companies sound “too good to be true” when they promise to cut your debt by more than half. (For ex: from ,000 to only ,000), but what these companies tell people is that credit card companies are happy to at least get something UP FRONT from customers who simply might otherwise never pay off [...]

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Has any1 had some1 fix their credit by erasing past delinquencies?!?

Hey guys! I met this guy who works for a credit card company and works in the financial aspect of it. He has access to all 3 credit companys. Anyway, he says he can go and erase all my past delinquencies and what not! And doing so it will help my credit score etc, etc. [...]

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Repairing bad credit?

If I have a credit score of around 580 or so, how long would it take to get my credit back in good standing (looking for 700 or maybe 750)? This assumes I make no more payments late (2 late payments in the last year) and can meet or exceed the minimum monthly payment (I [...]

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which is the better way to rebuild your credit?

lets say someones credit card history has been filled with quite a few late fees and overlimit fees. which is the best way to repair their credit? should they pay off ONE of their many credit cards at once? OR should they pay a bit here and there for each one? AND if someone bought [...]

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How can i eliminate my debt?

My husband and I dont have bad debt like i have heard people talk of we have close to 4,000.00 dollars in debt ( i owe 2,000.00 and he owes 2,000.00) in credit cards. we are recently married and we want to eventually buy a home but first we want to pay off all our [...]

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