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Title | Firstly if you have | They will likely sho | |||
Date | 2015-02-20 13:45:47 | 2015-02-20 14:54:17 | |||
Editor | Anonymous | Anonymous | |||
Edit | Edit this version | Edit this version | |||
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2015-02-20 13:45:47 by Anonymous / Edit this version | 2015-02-20 14:54:17 by Anonymous / Edit this version | ||||
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t | 1 | Firstly if you have never been late for the last 6 | t | 1 | They will likely show as paid<a href="http://iryyz |
> | years then I'm assuming that you have a petrty go | > | fshgdz.com"> dleunqiencies</a> unless you take act | ||
> | od credit rating. I have been there, done that an | > | ion. Credit repair should get these and all other | ||
> | d am coming to the end of getting myself out of th | > | negative marks off your bureau. Usually companie | ||
> | e debt, whilst i wouldn't presume to tell you what | > | s charge hundreds of dollars to simply pull your c | ||
> | to do, I will tell you what I did.1. Stop using | > | redit and send correctly worded dispute letters—th | ||
> | the card, cut it up.2. Make sure you are not pa | > | is is the key…..people will tell you that you can | ||
> | ying the Payment Protection that should save you a | > | do this yourself for free but the truth of the mat | ||
> | lot per month (only stop this though if you can, | > | ter is that the credit bureaus will throw your let | ||
> | you may have other insurance to protect you or you | > | ters away or simply reject them. There is an easy | ||
> | are not likely to lose your job in the very short | > | to use online kit that will deliver the results y | ||
> | term difficult but your call) This part is down | > | ou want available for just $19.95 at the source we | ||
> | to you weighing up all the options3. Check out | > | bsite. A similar kit is being sold via infomercia | ||
> | other credit card companies and see what balance t | > | ls and radio talk shows for seventy dollars more b | ||
> | ransfer deals with X months interest free there ar | > | ut they try to solicit you repeatedly for other se | ||
> | e4. Apply to one or two other credit card compani | > | rvices after the fact. | ||
> | es where by you can either transfer the whole bala | ||||
> | nce to one card or split the difference across the | ||||
> | two.5. Having bounced the credit onto a new card | ||||
> | with 9 or 12 months interest free (so you won't b | ||||
> | e incurring any interest) pay off as much as you p | ||||
> | ossibly can per month.6. Towards the end of this | ||||
> | interest free period, go back to your original cr | ||||
> | edit card provider and now see if they have any de | ||||
> | als regarding interest free for balance transfers | ||||
> | (sometimes they want you back because they think t | ||||
> | hat you will get into the same mess again.. BUT YO | ||||
> | U ARE NOT GOING TO LET THAT HAPPEN!)7. Contact o | ||||
> | ther providers and try to bounce the debt again.. | ||||
> | by now it would have been nearly 1 year since you | ||||
> | last did it.I did this a number of times, have a g | ||||
> | reat credit scoring (I pay experian to access my c | ||||
> | redit record) and am coming to the end of paying o | ||||
> | ff nearly a318k of debt. Yes it has taken a few y | ||||
> | ears. The only other thing I would do and it depe | ||||
> | nds on your circumstances would be if you have a m | ||||
> | ortgage and you have some equity in your house ext | ||||
> | end it, its the cheapest loan you will ever ever g | ||||
> | et.Good luck with it.. if my answer does anything | ||||
> | hopefully it shows you that it can be done. I loo | ||||
> | ked at debt consolidation but it screws your credi | ||||
> | t rating and they are real sharks and causes you n | ||||
> | o end but trouble. Friends have used companies in | ||||
> | the past and there are numerous horror stories of | ||||
> | them consolidating the debt, but in the long run | ||||
> | costing them much much more.. they may not be payi | ||||
> | ng a mad amount per mnth, but they are paying much | ||||
> | more for much much longer.. At the beginning I ev | ||||
> | en had a consolidation company tell me that I shou | ||||
> | ld take a debt consolidation loan for a322k becaus | ||||
> | e of all the stress I had been under and maybe (AN | ||||
> | D I'm NOT KIDDING HERE) go on a holiday. With tha | ||||
> | t much debt, going on a holiday was one of the thi | ||||
> | ngs that got me into this mess I personally don't | ||||
> | trust them. |