How much does this affect my credit score?

So If I have had four credit cards for about two years, I have Three retail ones and a bank one. Here are the limits…Wal-Mart 0 dollars, Macys 0 dollars, Best-Buy 00, and Bank 0. When I was young two years ago I jacked up the cards to the limits so I was a total [...]

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What can my mother do to get credit card debt relief?

My mother is 76 years old. She lives on a fixed income of around ,000.00 a month from social security. She supplements this income by working part time at two area businesses, but this income is both sporadic and mainly "pocket money." She owns a five year old car and a home that is taxed [...]

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I have about $16,000 in debt. Should I use a debt consolidation agency?

So I have (altogether) about ,000 in credit debt between 2 credit cards and a line of credit with BECU credit union. Total each month my monthly minimum payments total about 0. I can make the minimum payments no problem and can usually pay a little bit more though not much. Between my other bills, [...]

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Can I file for bankruptcy, should I?

I had very good credit. Two years ago, however, I was forced to lose my home to foreclosure. Actually, it was two houses. After that, my big credit cards were cut or reduced, however, I never stopped giving payments. I’ve always been in good standing. I always give more than the minimum payment. Things were [...]

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BAD CREDIT… Paid debt off?

I have a 3 credit cards that went to collections, american express, chase and capital one, I have already paid off my Capital One with the negotiation of paying a lower amount of the balance, i have paid my minimum payments of American Express, and Chase. What can I do to ask the Collection to [...]

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I need help fixing my credit rating!?

I’m currently 20 years old, going on 21 in a few months. I have one and a half more years left on University, and over the past year i’ve seriously damaged my credit rating. This year of my program has been very difficult compared to the previous years, so i’ve worked alot less, therefore missed [...]

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$20,000 credit card debt. going to a credit counselor. how much can they lower my payments each month?

how much can a credit counselor help me? how much do they lower minimum payments and by how much will they reduce the time it takes to end my debt. medical school had serious negative consequences on my credit cards. loans alone were not enough to cover my expenses, now i am stuck , totally [...]

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