charly pappa asked:


i have traveled overseas and set up automatic payments on my credit card through my bank but the bank somehow screwed and i ended up with collection companies and bad credit due to that….what would you folks suggest….please help.

TRENTON

dara91562 asked:


My husband and I need to refinance our home to lower our monthly payments. We are paying 9% right now. We both have bad credit. About 4 years ago we started getting behind and couldn’t make credit card payments. It was either pay them or pay our house payment. So I just didn’t pay them. We also have some unpaid medical bills that our insurance didn’t cover after the birth of our daughter. The creditors are always on our backs. In May we will be eligible to refinance our home (we had a prepayment penalty clause in our mortgage agreement). What chance do we have of getting a lower interest rate and lower monthly payments? Any help is greatly appreciated!

FREEDA

casey j asked:


THE ONLY CREDIT I HAVE EVER HAD IS BAD (CREDIT CARDS) .I HAD THE CREDIT CARDS WHEN I WAS 18 I AM NOW 26, ALL THE BANK LOANS ARE IN MY HUSBANDS NAME .HIS CREDIT SCORE IS NOT GREAT EITHER IT’S A 568. MY QUESTION IS HOW DO I GET MY OWN CREDIT OR AT LEAST REASTABLISH WHAT I HAD?

DENNISE

rockstar_honey asked:


i have applied almost everywhere. when i was younger my mother used my name over some credit cards and screwed it all up. Anyone got a good card for someone with bad credit?

ALEXANDRA

Jennifer asked:


I really want to get an in-store credit card to buy a laptop computer, but I have bad credit. Do you think I will be approved? What will they check when they run my credit information?

CAMI

Michael asked:


I was driving the other day and I got stopped by the police because my tag was expired. When the police asked me for my driver’s license I said I didn’t have it so I gave him a fake name. He looked up the name and said I didnt have a DL he asked me 3 times about my named and I lied so he arrested me, but when he searched me he found a driver’s license that I had gotten off the internet and three credit cards with name I had given him. The name I gave him was my three year old nephew’s name, I was using his name to get a good job and as far as the credit cards I never gave him bad credit in fact he has perfect credit now. The cop charged me with giving a fake name slash fraud slash impersonation, so my question is am I going to be charged with fraud or does somebody actuallly need to file charges against me for taking their identity. I was kind of reading about it and to be actually convicted for fraud I would’ve had to damage his credit but in fact I only improved it.

MAUREEN

Monieque B asked:


I learned that if you have bad credit, than someone with great credit can add u as an authoried user on thier account (credit card) and this will boast thier credit score. The situation is I am in process of repairing my credit and my boyfriend has offered to see if he can add me on to his account as an authorized user. The only thing is I do not want him to add me as an authorized user if this will affect his score.

ZOE

michelle c asked:


i want to get a credit card but i have very little credit so if there are credit cards for people like me what are the names or them

CHANCE

Misty S asked:


I lost my daughter, went through a divorce, and now have horrible credit. Medical bills, a judgement being garnished, past due car payment, and credit cards past due. I filed bankruptcy before any of this happened. I now have a decent job and right frame of mind to try and fix this. Is it going to be possible to get decent credit again and how? Thanks!

AMBER

Jim asked:


I have a good job before during my single days, and I have a 4 credit cards approved credit card those time, Im confident as well to get that time becoz i know my salary is enough… It was full then may be because i spend so much as well which I provide also my family….but everything was changed when i get married then follow lost my previous job, and deliver a baby, a lot of expenses coming and i cant pay anymore my monthly bills…and expenses is bigger and bigger especially i have a baby…Now all my credit cards are hold and notices keep coming…even they have options how to pay but still i cant pay it…Hoping for an answer to these matter….of what can I do…

CASSIE