Creditopics.comCredit | Creditopics.com http://creditopics.com/creditbuzz Mon, 10 Oct 2011 07:45:16 +0000 en hourly 1 http://wordpress.org/?v=3.2.1 debt consolidation? http://creditopics.com/creditbuzz/credit/debt-consolidation-12/ http://creditopics.com/creditbuzz/credit/debt-consolidation-12/#comments Mon, 10 Oct 2011 07:45:16 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/debt-consolidation-12/
justabitbitter147 asked:


i am currently in debt from some credit cards and i was thinking about doing something about it though debt consolidation company but i am not sure about it. has anyone used a consolidation company before and was it a good or bad experince? is there anything that i should know before doing it?

]]> http://creditopics.com/creditbuzz/credit/debt-consolidation-12/feed/ 4 What Credit card has low interest? http://creditopics.com/creditbuzz/credit/what-credit-card-has-low-interest/ http://creditopics.com/creditbuzz/credit/what-credit-card-has-low-interest/#comments Sun, 09 Oct 2011 12:53:21 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/what-credit-card-has-low-interest/
Jelly asked:


I don’t actually know what low interest is i saw the st george was low interest and its 8.99% interest rate with six month balance transfer rate of 0%.

Plz help

]]> http://creditopics.com/creditbuzz/credit/what-credit-card-has-low-interest/feed/ 2 How will a cosigner effect my debt to credit ratio? http://creditopics.com/creditbuzz/credit/how-will-a-cosigner-effect-my-debt-to-credit-ratio/ http://creditopics.com/creditbuzz/credit/how-will-a-cosigner-effect-my-debt-to-credit-ratio/#comments Sat, 08 Oct 2011 22:46:21 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/how-will-a-cosigner-effect-my-debt-to-credit-ratio/
brians4138 asked:


I am in the market for a used auto loan but have been turned down from all the agencies I have tried due to having a large debt to credit ratio from my student loans. How much will a cosigner effect my debt to credit ratio? I make around $31,000 per year and have loans totaling nearly $80,000. How much will a cosigner have to make to help me out?

]]> http://creditopics.com/creditbuzz/credit/how-will-a-cosigner-effect-my-debt-to-credit-ratio/feed/ 2 How long does it take for changes in my debt to credit ratio to reflect in my credit report? http://creditopics.com/creditbuzz/credit/how-long-does-it-take-for-changes-in-my-debt-to-credit-ratio-to-reflect-in-my-credit-report/ http://creditopics.com/creditbuzz/credit/how-long-does-it-take-for-changes-in-my-debt-to-credit-ratio-to-reflect-in-my-credit-report/#comments Sat, 08 Oct 2011 22:42:41 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/how-long-does-it-take-for-changes-in-my-debt-to-credit-ratio-to-reflect-in-my-credit-report/
J. J asked:


I cant remember. Is the debt to credit ratio the average of the last 6 months or something like that?

Thanks!

]]> http://creditopics.com/creditbuzz/credit/how-long-does-it-take-for-changes-in-my-debt-to-credit-ratio-to-reflect-in-my-credit-report/feed/ 1 Is it possible for to get a personal loan with a debt to credit ratio of.54? I have good credit, got laid off? http://creditopics.com/creditbuzz/credit/is-it-possible-for-to-get-a-personal-loan-with-a-debt-to-credit-ratio-of-54-i-have-good-credit-got-laid-off/ http://creditopics.com/creditbuzz/credit/is-it-possible-for-to-get-a-personal-loan-with-a-debt-to-credit-ratio-of-54-i-have-good-credit-got-laid-off/#comments Sat, 08 Oct 2011 17:26:01 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/is-it-possible-for-to-get-a-personal-loan-with-a-debt-to-credit-ratio-of-54-i-have-good-credit-got-laid-off/
John E asked:


I have good credit but because I got laid off work my ratio is over .50.

]]> http://creditopics.com/creditbuzz/credit/is-it-possible-for-to-get-a-personal-loan-with-a-debt-to-credit-ratio-of-54-i-have-good-credit-got-laid-off/feed/ 1 What are some good credit cards to transfer balances to? http://creditopics.com/creditbuzz/credit/what-are-some-good-credit-cards-to-transfer-balances-to/ http://creditopics.com/creditbuzz/credit/what-are-some-good-credit-cards-to-transfer-balances-to/#comments Fri, 07 Oct 2011 13:09:12 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/what-are-some-good-credit-cards-to-transfer-balances-to/
ag86 asked:


My mom wants to transfer some credit card balances that she has over to a new credit card that offers a lower interest rate. Does anyone know some good credit cards with low interest rates?

]]> http://creditopics.com/creditbuzz/credit/what-are-some-good-credit-cards-to-transfer-balances-to/feed/ 1 Debt Consolidation? http://creditopics.com/creditbuzz/credit/debt-consolidation-16/ http://creditopics.com/creditbuzz/credit/debt-consolidation-16/#comments Fri, 07 Oct 2011 09:01:39 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/debt-consolidation-16/
LSU#1 asked:


Can anyone gine me ideas on the best companies to get a debt consolidation loan with? I’ve also thought about doing the credit counseling thing. Which one is a better option??

]]> http://creditopics.com/creditbuzz/credit/debt-consolidation-16/feed/ 1 Secured Credit Cards- app questions and info used? http://creditopics.com/creditbuzz/credit/secured-credit-cards-app-questions-and-info-used/ http://creditopics.com/creditbuzz/credit/secured-credit-cards-app-questions-and-info-used/#comments Fri, 07 Oct 2011 04:57:32 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/secured-credit-cards-app-questions-and-info-used/
John Martin asked:


I want to apply for a secured credit card but here are my issues.

1. Why do they want to know how much my monthly income is and is this information shared with anyone outside the bank?

2. I don’t want my current address to be available to anyone who checks my credit report? Will it be posted on the credit report as a “known address” if I apply with it?

3. Is getting more secured cards better for my credit? Of course using them all and paying on time.

Thanks, I appreciate any information you can answer for me.

This is the first one I was going to apply for if that changes anything. https://onlineacceptance.appliedbank.com/displayPLAOffer.do?packType=3120

]]> http://creditopics.com/creditbuzz/credit/secured-credit-cards-app-questions-and-info-used/feed/ 4 Debt consolidation? http://creditopics.com/creditbuzz/credit/debt-consolidation-15/ http://creditopics.com/creditbuzz/credit/debt-consolidation-15/#comments Thu, 06 Oct 2011 23:01:44 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/debt-consolidation-15/
Kat S asked:


Does anyone know of a legitimate debt consolidation company? I have about $8,000 in credit card debt between myself and my husband and I feel like it’s a dark cloud over my head…

]]> http://creditopics.com/creditbuzz/credit/debt-consolidation-15/feed/ 2 I have a lot of credit cards. Will paying them all off at once effect my credit score in a negative way? http://creditopics.com/creditbuzz/credit/i-have-a-lot-of-credit-cards-will-paying-them-all-off-at-once-effect-my-credit-score-in-a-negative-way/ http://creditopics.com/creditbuzz/credit/i-have-a-lot-of-credit-cards-will-paying-them-all-off-at-once-effect-my-credit-score-in-a-negative-way/#comments Wed, 05 Oct 2011 19:20:34 +0000 Matthew Savage http://creditopics.com/creditbuzz/credit/i-have-a-lot-of-credit-cards-will-paying-them-all-off-at-once-effect-my-credit-score-in-a-negative-way/
girlnextdoor asked:


I recently got a bonus with my current job, and am now able to pay them off. I already have bad credit due to late or missing payments. Now all of my cards have a high interest rates. My main goal is to improve my credit score and payoff debt. I am not really sure the best way to go about it. Thanks!

]]> http://creditopics.com/creditbuzz/credit/i-have-a-lot-of-credit-cards-will-paying-them-all-off-at-once-effect-my-credit-score-in-a-negative-way/feed/ 4