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Tag Archives: credit score

Can I Get My Bank to Reduce My Car Loan Interest Rate? – JT

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JT “Dear Steve, At this moment, I am paying high interest on my car loan? Do you think I can get the bank to reduce the interest even if my credit score is bad? JT” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and ... Read More »

I Have Eleven Cards I Want to Close Some But Should I? – Ariel

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Ariel “Dear Steve, I have 11 credit cards with zero balances and want to close them and keep paying out my other 5 open credit cards. if I close these 11 will it hurt my credit score or should I close them regardless? Ariel” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number ... Read More »

Ben Read the Book “Debt Cures They Don’t Want You to Know About” By Kevin Trudeau And Has Questions

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Ben “Dear Steve, I read the book called Debt Cures by Kevin Treadeau. It was awesome and it has a lot of tips and help there. What I am trying to do is get an outstanding credit score and it needs to be improved. When you call the credit card company it is pretty darn hard to make them lower ... Read More »

Disjointed Use of Your Credit Score Can Leave You Unemployed or Dead

Medical Debt

I’m afraid that your credit score is being used in all the wrong ways for all the wrong reasons. The credit score was originally designed as an easy way for lenders to identify which potential customers would be low risk and high profit acquisitions. Using a credit score to screen new customers allows lenders to approve or reject your application ... Read More »

Eva Has Heard Negative Things About CCCS

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Eva “Dear Steve, My husband and I just bought a home and besides the mortgage, we are in debt for $26,000. I called up my credit card companies and they said they aren’t offering lower rates to customers now. I went to CCCS website and they say lowering customers rates is one of their ways they can help out. If ... Read More »

Bre Wonders Why Her Credit Report Still Shows Negative Items That She Thought Should Have Been Removed By Going Bankrupt

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Bre “Dear Steve, I filed chapter 13 bankruptcy and little to my knowledge my attorneys who represented me did not clear my credit after the filing or even in the process so in essence I still have all the listings of old creditors on my credit report and it’s a bit tasking to have them removed. Any suggestions on how ... Read More »

Dayna Can’t Afford to Keep Her Car Or Get Rid Of Her Car, Even By Repossession

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Dayna “Dear Steve, I have an upside down auto loan that I owe about $27,000 on a Mazda car and my monthly payments are $500 per month for 7 years with about 12.45 percentage interest rate. I am unable to refinance my auto loan because my credit is not that good and I owe too much debt. I am trying ... Read More »

April Wants To Know “As A Single Mom, How Do I Get Out Of Debt?”

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“Dear Steve, Mounting credit card debt is getting difficult to pay. I’m thinking of just ONLY taking care of house, car, utilities, food, insurance. I’m a single mother of two kids and get no child support. I’ve worked so hard for good credit and I am losing it. What do I do? Not pay and wait for it to wipe ... Read More »

Bob Was Injured And Is Now Behind On His Credit Cards

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“Dear Steve, I’ve been out of work since 10/17/07 (Auto accident) & was let go from my job…I am trying to work with credit card companies. One said they would deffer payments for two months but close the account…How does this effect my credit score with the credit bureau? Does deffered credit card payments (by the CC company) effect your ... Read More »

John Wants to Know “If I Consolidate My Debt On One Account Will It Hurt My Credit Score?”

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“Dear Steve, I opened up too many credit card accounts in the past two years i recently joinend a credit union bank which offered me a chance to put all my credit cards under one account. I owe about 3,000. I also only make about 1,400 a month so at times I’m only able to make minimum payments Will putting ... Read More »

Should I Tithe While Getting Out of Debt?

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She and her husband are working diligently to get out of debt . They want to direct as much money as possible to digging out of their hole, but at this point they are also trying to keep their heads above water. I am not an authority [. ... Read More »

Consumers Feel the Next Crisis: It’s Credit Cards

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Indeed it is. If you're not in top shape for the credit card shakeout that's already taking place, there isn't much you'll be able to do about it. It's probably already too late. After years of flooding the market with credit cards (and generous limits), banks are finally starting to take it back. Eric Dash, a New York Times reporter, does an excellent job of distilling the situation. From Read More »

Credit Card Horror Stories: Tales of Credit Limit Reductions and Account Closures

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Bankrate.com did a story on Friday (sorry for not getting to this earlier) highlighting some of the same stuff that I've been pointing out here for weeks. More and more customers are experiencing credit-limit reductions and account closures. Over the course of the past few weeks, Bankrate.com readers have been chiming in with their own credit-card tales. Many of their stories will seem familiar. Read More »

YOUR VIEW: Charles Merlis

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YOUR VIEW: Charles Merlis Hartford Courant, United States - 2 hours ago Instead many people have used it to reduce their credit card debt on which they are paying confiscatory rates. Credit card debt has increased exponentially ... Read More »

Credit Repair Firms In Crosshairs of Federal Trade Commission

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Credit repair, or how to make your credit report lie, is not something you want to get involved with. It is much better for you to focus on dealing with a bad credit issue and resolve it, focus on rebuilding your credit report and credit score and just don’t waste one minute or one penny on paying for credit repair. ... Read More »

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