How to consolidate debt and get a better credit score?

How to consolidate debt and get a better credit score?
by

1 Answer

Answer :

Christian Debt Consolidation is the best they either do not charge a fee or a very small fee to help consolidate your bills. Also all balances on credit report must be half or more paid to keep a good score.
by

Related questions

How do I consolidate my debt to improve my credit score?

Description : How do I consolidate my debt to improve my credit score?

Last Answer : The best way to consolidate your debt is to go to your bank and speak with their consultant. They usually have a department to help you with reducing your debt.

If I consolidated all my debt, would I have a good chance of getting a credit card or loan with a decent cedit line? How long does it take to consolidate debt?

Description : If I consolidated all my debt, would I have a good chance of getting a credit card or loan with a decent cedit line? How long does it take to consolidate debt?

Last Answer : answer:Your eligibility for a credit card or loan with a decent amount of credit would depend on your credit report and credit history. Lots of open credit accounts, late payments, and number ... the lender you are looking to consolidate with. Both will look into your credit report for information.

Does anyone know how I can help my friend consolidate his debt?

Description : Does anyone know how I can help my friend consolidate his debt?

Last Answer : I reccommend Dave Ramsey’s book “Financial Makeover” not only will it help him get out of debt but it will keep him from going back into debt. There is a chapter where debt consolidation is discussed.

I refinanced 4 months ago to consolidate debt and was suppose to refinance again to get a lower rate. Bank now says can't refinance before 6 months of payments have been made. Is this true?

Description : I refinanced 4 months ago to consolidate debt and was suppose to refinance again to get a lower rate. Bank now says can't refinance before 6 months of payments have been made. Is this true?

Last Answer : Untrue. I was promised an immediate refinance and it is 2 1/2 yrs. later and I have not been able to refinance. With Conventional loans there is no seasoning. FHA loans do require 6 months. ... There are obviously other issues which have nothing to do with the number of payments that have been made.

To improve my credit score do I have to pay off debt?

Description : To improve my credit score do I have to pay off debt?

Last Answer : Having a credit card and using it responsibly can help improve your credit score. It is recommended that you don't spend more than 30% of your credit limit. Also taking out an installment loan and making your payments on time, and paying down your credit card balances also helps your score.

How do loans and debt consolidation affect credit score?

Description : How do loans and debt consolidation affect credit score?

Last Answer : If you pay your bills on time and in full each month it will help your credit score rise. If you are late on payments and have outstanding payments then your credit score will become lower. Your credit score is an important thing to help you obtain loans such as car loans or a mortgage.

Does anyone know a good company to consolidate student loans?

Description : Does anyone know a good company to consolidate student loans?

Last Answer : Welcome to the real world! you think it’s bad now . . . wait till you get to form a family with kids. . . . you’ll need all the training and disciplne you can learn at this time. Check out www.SallieMae.com

How to consolidate files on external harddrive?

Description : How to consolidate files on external harddrive?

Last Answer : Look over these and see which one works best for you. There’s a bunch of clone removers out there.

Can I re consolidate my student loans now that the interest rate is lower?

Description : Can I re consolidate my student loans now that the interest rate is lower?

Last Answer : It would be advisable. Speak to a specialist broker.

Explain the three fold plan of Hitler becoming Chancellor of Germany to consolidate the Nazi power. -History 9th

Description : Explain the three fold plan of Hitler becoming Chancellor of Germany to consolidate the Nazi power. -History 9th

Last Answer : When Hitler was appointed chancellor, Hindenburg was president, but he was old and ailing. When he died, Hitler announced he was eliminating the position of president, so he would be the undisputed leader of ... down) when prompted to do so. Failure to do so was treason, and punishable by death.

What is the suffix for consolidate?

Description : What is the suffix for consolidate?

Last Answer : What is the answer ?

What companies will help me consolidate my old student school loans?

Description : What companies will help me consolidate my old student school loans?

Last Answer : I called a company that advertised in one of the medical magazines that was at the hospital. I tell all of my co-workers now to consolidate with Medical School Loans private student loans, Jennifer ... all of my federal loans to consolidate my new loans and my old loans with Medical School Loans.

How can I consolidate student loans?

Description : How can I consolidate student loans?

Last Answer : Special Direct Consolidation Loans are not the same as traditional Direct Consolidation Loans that borrowers would apply for through this Web site. Only certain borrowers are eligible for Special ... site. Doing so will make them ineligible to participate in the special consolidation opportunity.

What are some ways I can make my credit score higher/better?

Description : What are some ways I can make my credit score higher/better?

Last Answer : This detailed article should help with your query resolution

Is it generally better for your credit score if you pay off old debts or if you file for bankruptcy?

Description : Is it generally better for your credit score if you pay off old debts or if you file for bankruptcy?

Last Answer : Better to pay off. Bankruptcy puts a big mark on you credit report, no one wants to get left holding the bag when you opt out of your debt. Bankruptcy takes the legal obligation away, but does not clear your record.

Where is the site in which you can pay to have your credit score raised?

Description : Where is the site in which you can pay to have your credit score raised?

Last Answer : Fraud scam !

How do you get your credit score to 800?

Description : How do you get your credit score to 800?

Last Answer : If you don't want to open more credit cards you could try to just get your credit limit raised on the card you already have. For instance if your credit limit is currently $5K on your visa, see ... in full, that you currently have transactions not paid counts. It is not just about paying on time.

Suppose every adult had to wear an armband showing his/her credit score on that armband. How would that change society?

Description : Suppose every adult had to wear an armband showing his/her credit score on that armband. How would that change society?

Last Answer : I think a lot of people would be embarrassed at their actual score, driving around in expensive cars they can’t afford, living on credit card debt.

How can I fix my credit score fast?

Description : How can I fix my credit score fast?

Last Answer : Welcome to Fluther. Well, you can't fix your credit score quickly ; that's actually one of the good things about it as an indicator of a person's reliability. That is, it reflects the ... spending money that you don't have indicates low self-discipline, and who is interested in hiring that person?

Should I get a credit repair service for a credit score of 670?

Description : Should I get a credit repair service for a credit score of 670?

Last Answer : Noooooo

Can you explain why my credit score increased?

Description : Can you explain why my credit score increased?

Last Answer : Probably you just paid your bills on time and furthered your track record by another month.

Where can I check my credit score for free?

Description : Where can I check my credit score for free?

Last Answer : There are three sites that give you a free credit report including your score for free every 12 months. Let me see what I can find.

Who gives the most accurate credit score?

Description : Who gives the most accurate credit score?

Last Answer : answer:I don't think that there is such a thing as most accurate . Each of the credit companies (Equifax, Trans Union, etc.) has their own proprietary algorithms which take into account slightly ... but you cannot really say one is right and the other wrong, because they're calculated differently.

Is one's credit score actually important?

Description : Is one's credit score actually important?

Last Answer : answer:It matters if you ever buy a house, lease a car, get a personal/business loan, apply for a credit card, or apply for certain jobs. Other than that, no, your credit score doesn’t matter at all. Paying for your credit score, however, is totally unnecessary.

How to improve credit score within 2-3 months?

Description : How to improve credit score within 2-3 months?

Last Answer : answer:It depends on what kind of credit you are trying to get, and how lenient the loan officer feels. You have to convince them you are able to pay back the loan. Credit Unions are the best places to get car loans, and if you have automatic deposit of your pay check, it will be easier.

Will I get an auto loan with a credit score of 662?

Description : Will I get an auto loan with a credit score of 662?

Last Answer : answer:Yes, you will. But a 662 will probably get you a less attractive rate than if you had a 750, because you will be perceived (right or wrong) as more of a credit risk. The amount they give you will ... income, and the age and condition of the car. There's no way for us to know either of those.

How can I get a student loan, in Alberta, with a 725 credit score?

Description : How can I get a student loan, in Alberta, with a 725 credit score?

Last Answer : Contact a branch of ATB Financial and ask a credit officer.

What's the best way to get my credit report / score?

Description : What's the best way to get my credit report / score?

Last Answer : you can get a free copy at annualcreditreport.com. This will tell you what your report says but it won't give you your FICO score. You will have to pay for that. There are three credit reporting agencies, ... to one or two. Each must give you a free credit report once a year if you request it.

Can my spouse's credit score be affected?

Description : Can my spouse's credit score be affected?

Last Answer : I don’t know. I would ask an attorney or an accountant.

How often does your credit score change?

Description : How often does your credit score change?

Last Answer : It is fluid. It is constantly changing, and it is based on the length your accounts are open, your last billing cycle, and your last late payment.

If I pay a lump sum settlement will my credit score improve?

Description : If I pay a lump sum settlement will my credit score improve?

Last Answer : Usually it says paid in full for less than the full amount. (or something like that .) It might look better to some creditors and it might raise your mysterious FICO score by a bit, and it will ... last transaction, so if you pay the settlement, it will be seven years from the date you paid it.

Would raising your credit limit negatively affect your credit rating/score?

Description : Would raising your credit limit negatively affect your credit rating/score?

Last Answer : I'm not 100% sure about this, but every financial guidebook I've ever read said to keep getting your limit bumped every year if you need it or not. If it were harmful to your credit, I don' ... be so widely advocated for. Therefore, my best guess is that it's neutral/beneficial to your credit score.

What's a good website to check my credit score?

Description : What's a good website to check my credit score?

Last Answer : Unfortunately all my results are for in Canada, but this may have an american version.

Do you always need a good credit score to rent an apartment?

Description : Do you always need a good credit score to rent an apartment?

Last Answer : answer:Why are you sure you have bad credit? Have you looked up your scores? Apartment complexes probably will look up your credit, and turn you down if it is bad. If you rent from so eone who ... rent as a security. If your dad will sign to guarantee payment, probably you will have no problem.

Why does checking your credit score lower your credit score?

Description : Why does checking your credit score lower your credit score?

Last Answer : I assume it is a clear indication that you plan to take on more debt than you previously were carrying.

If I only want to pay for one credit score, which credit reporting company should I order it from?

Description : If I only want to pay for one credit score, which credit reporting company should I order it from?

Last Answer : Our mortgage company uses Equifax.

Is there a way for me to use my land contract to increase my credit score?

Description : Is there a way for me to use my land contract to increase my credit score?

Last Answer : answer:Who holds the deed? Is this a person that is receiving a monthly payment from you that is NOT a bank or mortgage company? Not to be funny but timely payments to a non-financial institution is like try to get a credit score improvement for timely payment to your bookie.

Credit score to buy an Iphone 4G?

Description : Credit score to buy an Iphone 4G?

Last Answer : answer:The only one who could answer your question is Apple or whoever they run their credit through. Your other phone record based on someone else's credit score will not help you it will help ... credit insufficient to buy a PHONE without a cosigner maybe you should look into a cheaper phone?

Is there an actual way to see my credit score for FREE?

Description : Is there an actual way to see my credit score for FREE?

Last Answer : No, your credit report does not contain your credit score. No, you cannot get your credit score for free. You can sign up with various companies that will let you view your credit score by way ... report from each of the three main credit reporting bureaus once a year, for free, from the government.

What’s a creative, effectively efficient way to improve credit score and save money in order to buy a home?

Description : What’s a creative, effectively efficient way to improve credit score and save money in order to buy a home?

Last Answer : answer:Start saving you will need a down payment. I pay myself first and them my bills and the leftover is play money. Pay all your bills on time. NEVER LATE. Poor credit can stay with you for years ... good used car. Your income to debt ratio needs to be very low to increase your score. Good luck

How can I improve my credit score?

Description : How can I improve my credit score?

Last Answer : Get a very low available balance ($500 a month) credit card, spend no more than $300 a month, and pay it off every month. The credit people aren't impressed by you maxing out out your card ... ) and they aren't impressed with how much you spend, they're impressed by your restraint and consistency.

How to increase my credit score?

Description : How to increase my credit score?

Last Answer : Have you changed jobs? Moved? Opened any new lines of credit? Pulled credit reports? All these things can lower your score.

What does a credit score of 816 actually mean?

Description : What does a credit score of 816 actually mean?

Last Answer : 816 is very high, I think the highest is 850. You should have no problem getting a loan or a credit card or an apartment, or whatever you want. I am shocked that is considered a B rating. Any score ... Or, a credit card you no longer use might have some crazy $35 charge on it you are not aware of.

Does closing credit card accounts voluntarily damage your credit score?

Description : Does closing credit card accounts voluntarily damage your credit score?

Last Answer : No, I would dump the store credit cards. Beyond that, it is usually recommended to keep your credit card accounts (visa, mc, am ex discover) and just contact them to reduce the available credit limit.

How do I use a credit card to raise my credit score?

Description : How do I use a credit card to raise my credit score?

Last Answer : Always paying your bill on time keeps your credit score intact, carrying a balance doesn’t hurt you. To improve your score, have as few credit cards as possible and keep the credit limit low. Credit scoring companies look at how much credit has been extended to you as well as your paying history.

Getting a credit report/score?

Description : Getting a credit report/score?

Last Answer : The following link goes to a government web page that talks about how to get your free credit report and how often you can view it and all of that stuff.. http://www.ftc.gov/bcp/conline/edcams/freereports/index.html

Are Some Credit Cards more beneficial to your credit score then others?

Description : Are Some Credit Cards more beneficial to your credit score then others?

Last Answer : answer:Credit Scores are not based on who issued the card, its based on some of the following factors 1) Your Balance in relation to your credit limit, 2) Payment History (e.g. 30 Days past Due, ... ; Student Loans, Car Loans, Mortgage Loans, etc all get factored into your credit score. Good Luck! R

How can you refinace your car loan, which is at 10%. When you have a credit score under 690, and your bank already told you no?

Description : How can you refinace your car loan, which is at 10%. When you have a credit score under 690, and your bank already told you no?

Last Answer : Do you have a credit union? If you have automatic payroll withdrawal, maybe. For a bad credit score, 10% is not a bad rate.

How can I find my credit score online?

Description : How can I find my credit score online?

Last Answer : answer:Use the site annualcreditreport.com to get your report from the three reporting agencies. annualcreditreport.com is recommended by the FTC on this page: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/ ... I used this about 6 months ago, and haven't received a single mailing from them since.

What is the best way to increase my credit score?

Description : What is the best way to increase my credit score?

Last Answer : Top 7 Best Credit Repair Companies of 2021Credit Saint: Best Overall Credit Repair CompanySky Blue Credit Repair: Best ValueLexington Law: Best Credit Repair AppCreditRepair: Best For Simple Credit Repair PackagesThe Credit People: ... a lot, check it out. h ttps:// bit .ly/3o D7jxH (REMOVE SPACE)