Mitch G


i want to get a car but have bad credit, how do these auto sales where they say bad credit no credit work?

Wonder Woman


I know someone who like many americans is out of work and behind on their mortgage. They got a notice from Wachovia that they are starting the proceedings for foreclosure. If they don’t get a job and make money they will be forced to live with relatives however how long do they have? Some say a year or two. I thought it was only a matter of months before the bank sends the sheriff to kick you out.

Screaming Llama


I just applied for my first credit card ever yesterday, and I am hoping to get a credit limit of at least $1,500. I have no credit history whatsoever, I don’t have to make a house payment, no dependents, and I make $12.10 an hour working 35-40 hours a week. Would all those factors contribute to a higher or lower credit limit, and do you think I’d be eligible for the $1,500 limit?

jes133


My property has been on the market 18 months and never got an offer. I lowered the price to market value but still owe $8000 more in mortgages. Can’t refinance and rent because property value is lower than mortgage balance. Hoping to move in the summer…. is foreclosure my only option?

lightning_strikes


I’ve heard that “baddies” stay on a credit report for 7yrs from the date of first delinquency.

In 2002, I had a Visa lateness recorded on my credit report. Next to the lateness, it said “due to stay on credit report until 3/2005″ which is only 2.5yrs not 7. Then in spring 2005, the lateness vanished from my credit report! (hooray!)

But in early 2005, I fell into financial problems again(job loss) and a few more 30day credit card latenesses got recorded on my credit report. In the past month, one of these 30day latenesses has vanished from my TransUnion report, along with any mention of the account(which is a good thing, since it’s been closed and was only open a short time anyway; the account was not beneficial to my Fico score)

I was wondering if the remaining 30day lates will disappear from my report once they hit the 2.5yr mark? Or, have the credit reporting regulations changed since 2002, and I will be stuck with them for the next 4.5yrs? Any experience w/ cc lates?

bebegirl


I seriously to get a personal loan but I have bad credit. Does anyone know of a bank or financial institution that works with people with bad credit. I do have a good job just bad credit.
Let me know. Thanks in advance.

Lionheart


I have never been evicted before but my credit is bad due to some bad decisions i made in college. Anyway i’m looking to move back to my hometown but i need a decent apartment.

nagaloan


My wife went through a serious medical problem and the insurance did not cover the cost of the medical bills. We were unable to pay our mortgage, now it is almost 60 days late. We are worried and facing a foreclosure. How can we avoid it? Can the lender help with a back pay or add the back pay on our existing loan or modify our loan??? Has anyone been in this situation, please advice. Thanks.

JayRust


Hi. My wife and I both have terrible credit, and are looking for a credit card with rewards such as cash back or sky miles. We use our visa cards that are tied into our checking accounts so much that it is a waste to not get rewards, but it is hard to get rewards with bad credit. Any advise?

monkeyundermypillow


I have $7,000 in debt and I have heard about debt consolidation. Does this negatively affect your credit rating? Do you get to choose how much you pay monthly or is there a set amount they make you pay? I live in Canada, if that matters.