Creditopics.com http://creditopics.com/creditbuzz Mon, 10 Oct 2011 07:45:16 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 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 pay off credit cards or save? http://creditopics.com/creditbuzz/personal-finance/pay-off-credit-cards-or-save/ http://creditopics.com/creditbuzz/personal-finance/pay-off-credit-cards-or-save/#comments Sat, 08 Oct 2011 12:22:03 +0000 Matthew Savage http://creditopics.com/creditbuzz/personal-finance/pay-off-credit-cards-or-save/
poeticbbq asked:


I owe $1300 on two separate cards and just received a work bonus for $1300. Both of my cards have a $2000 limit. Is it better for my credit score to put that money equally down on both cards, payoff one of the cards, or save the money for an emergency fund? My credit score is around 670 and trying to increase it and possibly buy a home later this year.

]]> http://creditopics.com/creditbuzz/personal-finance/pay-off-credit-cards-or-save/feed/ 9 what the best credit card with a low interest right to apply for ? http://creditopics.com/creditbuzz/personal-finance/what-the-best-credit-card-with-a-low-interest-right-to-apply-for/ http://creditopics.com/creditbuzz/personal-finance/what-the-best-credit-card-with-a-low-interest-right-to-apply-for/#comments Fri, 07 Oct 2011 14:51:03 +0000 Matthew Savage http://creditopics.com/creditbuzz/personal-finance/what-the-best-credit-card-with-a-low-interest-right-to-apply-for/
writing out loudd!!! asked:


my first time applying for a credit card and i need to built up my credit so whats the best credit card out there??? please help-

]]> http://creditopics.com/creditbuzz/personal-finance/what-the-best-credit-card-with-a-low-interest-right-to-apply-for/feed/ 5 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/personal-finance/debt-consolidation-8/ http://creditopics.com/creditbuzz/personal-finance/debt-consolidation-8/#comments Fri, 07 Oct 2011 10:34:59 +0000 Matthew Savage http://creditopics.com/creditbuzz/personal-finance/debt-consolidation-8/
Duke asked:


Hello,

I need to find a way to pay off a fairly large chunk of debt. I need to know a good debt consolidation company that charges little to nothing – please only reply if you have a success story with the suggested company.

Thanks

]]> http://creditopics.com/creditbuzz/personal-finance/debt-consolidation-8/feed/ 4 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