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Tag Archives: late payments

We Setup a Payment Plan With Out Credit Card Companies But They Are Reporting Us 6 Months Late. – Mike

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“Dear Lewis, We have some credit card debt due to the economy and all. We have called the credit card companies we owe and set up a payment plan with them to auto withdraw from our account every month. Then after 5 years we are done with them. But after we set up a plan with them our credit report ... Read More »

I Signed Up With Money Management International and Now I Have Bad Credit. – Anna

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“Dear Steve, About six months ago I signed up for Money Management Internationals Debt Management Program. I pay about a thousand dollars a month and my debt will be paid off in 30 months. I recently saw my credit report and found that because of MMI there have been 12 late payments on my report since I signed up with ... Read More »

How You Can Get Out of Debt Fast Without Filing Bankruptcy

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So there’s this guy, Scott, who has developed an ultimate guide to getting out of debt. Sure, I’m as skeptical as the next guy but after looking over the information I was left with a problem, it looked pretty good. His information page actually contains a bunch of information that you don’t normally see which led me to believe that ... Read More »

I Fell Behind and Can’t Get Caught Up. – Paula

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“Dear Steve, I can’t meet my monthly payments. I lost my job after 23 years, but have found another one and am currently working, but fell behind and cannot seem to catch up! My credit isn’t good because of late payments. I do have decent income, but fell behind and am drowning just trying to get caught up. Paula” Don’t ... Read More »

Erik Was Deceived by a Family Member Into Cosigning For a Mortgage Loan and Now it is Hurting His Credit

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Erik “Dear Steve, A family member of mine deceived me into cosigning a mortgage loan on the condition I would become the sole owner after a year when they found another place to live. It’s been 3 years and that hasn’t happened. What has happened is several (over 15) late payments without my knowing and a huge hit on my ... Read More »

Credit Card Companies Are Coming For You. Protect the Wife and Children.

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I see a new advertising campaign in our future. When Banks Panic You Lose Even though the Federal Reserve has lowered its rate to 1%, banks are raising your interest rates in hopes of making a bigger profit. Oh yes, they are raising your fees or charging news ones as well. At a time when the government is pleading for ... Read More »

Soon, Where You Shop Will Control Your Credit

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Information is already leaking out about the efforts of American Express to closely watch the places their card members shop at as an indication of credit problems. With mounting losses by credit card companies and an avalanche of new bad credit card debt to come, creditors are looking for ways to identify potential high risk customers in order to reduce ... 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 »

Karen Writes In “Ex-Husband Isn’t Paying The Bills and He’s Trashed My Credit. What Can I Do to Repair It?”

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“Dear Steve, I have been divorced for one year. Our house was in my name and husbands. He never refnanced or sold the home. His late payments have started to ruin my credit report and credit score. Now it look as if the bank will foreclose. How can I repair my credit and how long will it take me? Karen” ... Read More »

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