aksnowman31 asked:


what is the best secured card to get to rebuild my credit???

secured credit card

Tourist asked:


I would like to apply for a job with the financial company CIS in the UK but I have quite a bad credit score. I don’t have any ccj’s and I’m not bankrupt and I’m currently repaying my debts through CCCS. I understand that most financial institutions perform a credit check on application for employment. Would I be wasting my time applying? And are all financial institutions the same.

bad credit

.me. asked:


I make my payments on time every month to my cards, but wont be able to soon.
I have reached out to my 2 credit cards numerous times telling them I may file for bankruptcy and they wont get anything, and asking for them to lower interest rate so I can make my monthly payments and actually see my balance go down instead of mostly toward interest. I was refused on any time of payment plan, settlement offer, or interest rate reduction.
NEXT: I spoke at length with Take Charge America, who will set me up on a 5 year payment plan (after the banks negotiate with THEM apparently), and I will pay off my full balance in 5 years, along with about $4k in interest and $2400 or so in fees to the company. Cards will be closed.

OR: I use Credit Solutions and I default on my cards so they can negotiate with the banks on my behalf and present me with settlement amounts which could be half if not more of the balance! I pay them $200. for 18 months and my debts to cards is paid within 36 months, if not sooner, at almost $12k less than what I owed.

BUT: Credit solutions has many scary reviews online. I spoke at length with 2 of their reps and they explained the process to me and it sounds like garden variety debt settlement, so.. i dunno. Which company? Anyone have any experience with either?

I also just called the collection dept. of my cards again and told them all this, can THEY offer me a settlement or payment plan so that there are no 3rd parties and the bank gets their money. They said nope, sorry. So i am kind of backed into a corner of having to use one or the other

debt solution

estephania2182 asked:


I’m looking for a program that isn’t going to be SO expensive. I can afford about $3000 dollars a year. I would pay out of pocket as I am currently already paying for student loans and don’t want to go that route again. Any information anyone has would be very helpful!

loans online

Ki-Aura C asked:


I want a credit card with a limit of $2000 so i can pay bills and other such things. But I have bad credit, no job and no home for the last 10months.

bad credit

alex asked:


a car scratch my car and we decided just to exchange numbers the doesn’t pick up what do i do i only have his tag numbers.

insurance claim

queengerard asked:


I have recently did a refi on my house. I am waiting for the money to fund, how long does it take? My old mortgage company won’t give the title company the payoff amount so they can fund my mney. How long do they have? PLEASE HElP. I am in need of the money fast.

fast mortgage

SN3AK asked:


i want a laptop for internet reasons and traveling. my brother has one and i like it although i am a windows fan too. i saw a page on the apple website about financing a laptop that is $999 for $23 a month, wondering if someone with bad credit could have the chance of getting accepted.

bad credit

saldana s asked:


I have 1300 debt on a 1500 washington mutual credit card and 3400 debt on a chase credit card. My interest rate is 27% can I combine the debt on the two credit cards. Any tips on how to lower the interest?

low interest credit card

Ramona asked:


I am in a 5yr Interest Only Arm, 7 .25%, and want to refi my home w/ no cash-out. 80% Loan to Value. I have 3 yrs left on my ARM.
…should I refi now or wait?

refinance