Considering credit card debt consolidation, would this be a good choice; recommendations who I should use?
Is there way to consolidate my credit card bills and get a lower payment without affecting my credit?- transfer the balance to a new card with 0% INTRO APR for balance transfer. pay the monthly minimum on time to build up your credit rating. make sure read all term related to rate. once the intro period near the end transfer it again
- Not without affecting your credit, no. I recommend Debt XS. What good is your credit now if you cannot use it because it is out of control. You should do debt consolidation / management then credit repair. I started with the free form at totaldebtsolutionsllc.com and they put me in touch with a firm that helped me get out of debt in 36 months
- Its best just to pay em off one at a time. Make min. payments on all but the smallest and pay off the smallest as fast as you can. Then move to the next smallest. The reason for paying off the smallest amount first is the feeling of getting somewhere. do not worry about the interest rate because thats not the real problem. I would not use one of these so called "debt consolidation" places either. The fees they charge are better off used to pay off your debt. Besides if You go with one of these places and they do not pay your creditors You, and you alone are still responsible for the debt. They will sue you not the company that you hired. What most if not all of these companies actually do. Is not pay your creditors for months and then try and settle your debt for less. By then you credit is trash and you will be treated as if you filed bankruptsy
- try to get a citi gold credit card, they are offering 0. 9 % balance transfer rate till sep 2008 hope it will work. but if you can not get citicard, still credit card conslidation is better than paying minimum payment
- This sounds like an idea that would possibly help you out, but remember the big thing here. You can not charge up those credit cards again or you will be in deep debt. Good Luck and God Bless!
Knowledge Base
Do I need to have delinquent accounts in order to qualify for credit card debt consolidation?
i am considering trying to consolidate about 35k worth of unsecured debt, although i am not having trouble making the payments. i believe, yes you have to have some problem paying the accounts to qualify for debt consolidation. if that is the case then your credit rating will be affected. (consolidation debt)
What website can I go to for debt consolidation loans?
i am about $20, 000 in debt and i want to pay it all off and just start over. please be serious about your answers. any information will be helpful. thank you :. there are different solutions to debt consolidation, depending on your income and whether your debt is secured (debt consolidation loans)
what are the difference between debt consolidation loans and using debt consolidation companies?
and how do i know the difference? or are there any differences?. do not use a debt consolidation company. they hit your credit report worse than a bankruptcy. debt consolidation loans may be ok, if you get them from a reputable company, such as a local credit union. a debt (debt consolidation loans)
Knowledge Base: Debt Consolidation
What is a reputable debt consolidation company?
i fell behind on my credit cards when i had an emergency medical expense. even though i have a steady job and income, they have raised the payments and dropped the limits so there's no chance i will catch up. i want to do debt consolidation but most companies google (consolidation debt)
What is the best debt consolidation service?
i have a few credit card that are past due and i am not able to make the payments. what is the best debt consolidation company to use? keep in mind, i am not a home owner. do not use any debt reducing companies, just burn the credit cards or (debt consolidation company)
Are there any guarantees in debt consolidation loans?
i have been in sky - high debts for the past 5 years. a friend referred me to try checking debt consolidation loans. will they guarantee me of a debt - free and better life if i will get one for myself?. hope this helps. worldbestloans.com / thanks. hi, i (debt consolidation loans)
Whats the best credit card debt consolidation?
i have around $10, 000. 00 dollars of credit card debt from 3 different cards, my husband is unemployed and i work a low paying job and we can not make the min. payments. they are falling behind by as much as 190 days. the interest is almost 30% on (debt consolidation services)
Which is the best company which can provide services like debt negotiation, debt settlement, debt consolidation?
i need to know the best company that provides credit debt related services like debt negotiation, debt settlement, debt collection, debt consolidation and others. i find these companies totally useless except for ending the h le from individual creditors. they claim to "repair your credit in 5 years", but the (debt consolidation program)
Knowledge Base: Credit Card Debt Consolidation
Who are the credit card debt consolidation groups that reputable and don't rip you off? One that can help me?
i am in deep credit card debt and i think the only way i can get help is through one of these programs. i heard credit card advocate is a helpful one. please let me if anybody has tried these and did it help?. google the name of that company (credit card debt consolidation)
Is credit card debt behind many home foreclosures?
year after year some people keep stripping the equity from their homes by refinancing into one debt consolidation loan after another untill all of their equity is gone. i think so - you want to buy furniture, etc. for your home. also first time homebuyers do not realize the other (credit card debt consolidation)
Do I need to have delinquent accounts in order to qualify for credit card debt consolidation?
i am considering trying to consolidate about 35k worth of unsecured debt, although i am not having trouble making the payments. i believe, yes you have to have some problem paying the accounts to qualify for debt consolidation. if that is the case then your credit rating will be affected. (credit card debt consolidation)
how good does my credit have to be to get credit card debt consolidation?
if i let my cards slip for a while i do not know how much they have hurt my credit. i need credit card debt consolidation, will they accept me if my credit cards have been beating up my credit a little in the last month or 2?. debt consolidation (credit card debt consolidation)
What is the min. amount credit card debt you must have to do debt consolidation and is this a good idea?
i wanted to do credit card debt consolidation but i am skeptical if this is a good idea with the economy. i am very far behind on my credit card bills and the only reason i can not afford them now is because the min payment has gone through the (credit card debt consolidation)
