How to cut a deal with the credit card companies if you can not no longer afford your monthly payment?
Answers: you can try to contact them on your own, from what i understand, they aren't too willing to work with most people though. Have you thought about contacting a not for profit company that can do it for you. I went with Debt Counseling Corporation. They lowered my interest, lowered my monthly payment overall and consolidated it so i had just one paymnet. It really helped. They were able to work with my credit cards that were not in collections as well as a personal loan that i had originally taken out to pay my bills.
check them out http://www.DebtCounselingCorp.org
credit counseling
look for a no-profit that has been in business for years and then ask your banker if s/he thinks they're a reasonable outfit
If you have met financial hardship, such as loss of job, medical injury, or any other situation that will cause you to lose income, you can request a moratorium in writing.
You can also request that they defer a payment or two or you can renegotiate the monthly payment amount.
If you are absolutely indigent then you must prove your situation and ask that they forgive your debt.
Whatever you choose to do, make certain that you document everything and request all and any agreements in writing.
God Bless.
Sorry to hear you're having some financial issues ... but you'll get through them if you maintain communication and work with your creditors.
I want you to contact your local "United Way" office and get a referral to a local Consumer Credit Counseling Service. (I'm recommending you through United Way so that you can be sure you're not getting scammed).
They'll work with you to establish a budget and, if needed, they'll act as an intermediary between you and your creditors to reduce payments and even the interest rate. They have minimal (if any) fees and are a true non-profit agency.
STAY AWAY from the "counseling" services you see advertised on late night TV and on internet pop ups. Stick with someone reputable and referred by a reputable agency such as United Way.
Good luck . you'll work out of it if you are serious and stay at it.
Hope this helps!
Just call them up and tell them you problem. They will try to bully you into paying them ever thing, but just remember that they can not take anything away from you. It is a unsecured loan. If you just keep at them they will realize that they will not get any money if they don't work with you. Although this will most likely hurt you credit score.
How Can I verbs my honest credit history surrounded by the USA to Canada?
I will be moving to Canada and would like to know if near is a way to use my honest american credit to start my credit in canada so i don't enjoy to start from scratch building my credit.Answers: You can not verbs your american credit history anywhere. But you may still use american-issued credit cards in Canada or anywhere else. That should cover you for some time that it would give somebody a lift to build your new credit history. Good luck contained by Canada.
No. Your credit history is just your credit history contained by the United States. It will not carry over to Canada or for any other countries for that event
Different countries have different credit systems. In the US your credit history is tied to your SSN. Canada does not use SSN but have a similar system Social
Insurance Number (SIN). Different systems, different credit reporting mechanisms
Bad credit card?
I HAVE BAD CREDIT FROM MEDICAL BILLS. (ONLY ABOUT 1,300.00) IM LOOKING FOR A CREDIT CARD TO HELP REPAIR MY CREDIT WITH NO ANNUAL FEE. I TRYED VISA SALUTE, BUT THEY WANT ME TO SEND IN 20.00 TO START. :-( IVE LOOKED IN ALOT OF PLACES ONLINE AND ON runeye.com. SO, IF A REAL GENIUS CAN COME UP WITH A GOOD ANSWER LET ME KNOW. IM SICK OF GOING TO CRAPPY SITES AND GETING NOWHERE. THANKS SOOO MUCH!Answers: CapitolOne will give almost anyone their straightforward card & there is no annual fee's
I go to Goggle and typed in credit cards near bad credit and a bunch of stuff come up. I would not pre pay or anything similar to that, just be wary of the crappy web sites. I go to www.creditcards.com.
You might want to do a credit report and credit score on yourself, your credit might not be as unpromising as you think. www.anualcreditreport.com, they are free by tenet you are allowed 3 free reports per year.
Good luck.
OK, I'm really not trying to be smart-assed about this, but if you can't distribute in 20 bux to start a card, why would you expect any company to extend you credit? Is it that $20 is too much? ANY card that you transport a balance of around a hundred bucks or better is going to be a payment on 20 dollars...
I am sorry around this answer, I know it isn't SPECIFICALLY what you are looking for, but I really don't understand your reservation
To in truth answer your question, if you hold "dinged" credit, you are going to pay a relatively illustrious interest rate, no matter WHAT card you receive, so keep that within mind, as well.
While I haven't have a whole lot of luck individually with CapitalOne, they proposal more programs than I have see, and can probably get you into a card... Don't miss a reward - not even by ONE DAY - they will nail you to the wall near interest rate hikes, and late fees.
Bad credit is one of the worst problems to hold... however there exists a solution. I will hereby bargain from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would earnings to some minor details, if someone wants to gain out of debt today it is pretty easy beside a debt consolidation plan, however it may get a bit tricky at times,
I suggest you gain as much information as possible online on this first, a good place to start contained by my humble opinion is astraight to the point ebook near question and answer I found : http://www.counselingcreditcarddebt.com