Car was totaled, bank that gave auto loan charged off the loan account because the collateral is gone despite us continuing with full and on time payments. What are our options? [more inside]
posted by Nickel on Oct 11, 2009 - 4 answers

How do I get a loan modification without ruining my credit? I have heard many conflicting ideas that range from not paying the monthly mortgage to hiring a lawyer to sue. [more inside]
posted by ccpearce5 on Mar 23, 2009 - 3 answers

I need a personal loan of 10k to buy a business. I have good credit and employment history. With the current credit crunch in the United States, are there any banks still giving unsecured loans? [more inside]
posted by Ariadne on Nov 7, 2008 - 7 answers

How is the credit crisis affecting places like prosper.com? Would it be smart to borrow/loan money there in an environment like this? With banks seizing up and me having some extra cash, would it be a smart investment to loan money to individuals directly? What about people having a hard time getting a loan from a bank? Is anyone out there using it right now?
posted by empath on Sep 25, 2008 - 5 answers

I want to pay off my student loans - can I do it with an AMEX/other card to get the points and then turn around and pay off my credit card? Sallie Mae says I can make individual minimum payments with a credit card, but that there's no way except a check or bank payment to pay off the entire amount. Can that really be true? is there a way around it?
posted by elvedon on Jul 12, 2008 - 10 answers

One of my boyfriend's student loans just got turned over to a collection agency. How bad is this? [more inside]
posted by peacheater on Mar 25, 2008 - 15 answers

Should I sign up for a credit card right now? If so, from where? [more inside]
posted by fogster on Mar 14, 2008 - 32 answers

Subprimes still lending?? I thought that the subprime loan market was out of business. Why am I getting multiple calls from Household Finance claiming that they have "new programs" trying to lend me money I don't need? ps I don't have a loan with Household Finance. I don't know if they're trying to make a home loan or a consumer credit facility.
posted by tesseract420 on Feb 3, 2008 - 7 answers

My mom just gave me about a year and a half's worth of mail that she somehow thought I didn't need while I was away at college. A few of the letters in there are from Federal Student Aid telling me my account is overdue -- meaning that I had a small loan for University of California and when I dropped out of UC, I was apparently liable to pay back my entire loan ASAP. [more inside]
posted by oneous on Oct 18, 2007 - 9 answers

I am using extra student loan money at 6.8% (mostly unsubsidized) interest rate to pay off my credit cards (about 25K) worth. What should I do when I get a bunch of other cash? Pay off loans or invest? [more inside]
posted by anonymous on Sep 12, 2007 - 12 answers

Just how good does your credit have to be to qualify for 0% financing on a car loan? [more inside]
posted by saucy on Aug 17, 2007 - 9 answers

I am in my 20's, have no debt and have no need for a loan; should I get one anyways to help my credit? [more inside]
posted by MrBCID on Jun 23, 2007 - 18 answers

Options for (re)building my credit...how best to re-build my credit history with an eye towards home ownership... [more inside]
posted by richter_x on Mar 20, 2007 - 13 answers

CreditFilter: Does co-signing for my student loans affect my parents' credit? [more inside]
posted by charmston on Jul 1, 2006 - 9 answers

Which is a "worse" type of debt - credit card debt or car loan? [more inside]
posted by tristeza on Jun 27, 2006 - 28 answers

LawSchoolLoansFilter: As most undergrads do, I've got a few small blemishes (and one large one) on my credit report. I've gotten into school, but I'm paralyzed with fear to even start on my private loans. Am I being stupid, or am I right to be frightened? [more inside]
posted by plaidrabbit on Mar 27, 2006 - 11 answers

How can my mom get rid of her car? It doesn't work, numerous attempts to repair it have been unsuccessful (long story), and she still owes money it. Is there some way to get rid of the car altogether without defaulting on her loan and ruining her credit? [more inside]
posted by pikachulolita on Jan 5, 2006 - 30 answers

As a young person with a pretty much blank credit history, I'm looking for ways to start building solid credit for the future (more inside) [more inside]
posted by ubernostrum on Mar 28, 2005 - 22 answers

I'm in college in the U.S., and have a few state student loans. They were under a forebearance that I once requested, which ended four months ago. I didn't realize this, and ignored the mail that was sent about it because I thought it was the usual mail they send me about how I have a loan and ads for consolidation. I just recently got this fixed and the forebearance backdated so it will have another year from when it ended. But I now have two 60-day late marks on my otherwise good credit report. Anything I can do to get rid of them?
posted by anonymous on Jan 8, 2005 - 5 answers

How should I repair my bad credit? I'm 26, my income ($53k) exceeds my expenses and I have only $1.5k debt, but I was awful about paying bills on time until the last year or so. Now I'm finding it difficult to secure a car loan. I haven't even gotten a credit report because I'm afraid to look at it. I will probably end up talking to a credit counselor, but I thought I'd ask for advice before I do. College kids, don't wait until the utility bill is yellow to pay it. Trust me.
posted by anonymous on Nov 10, 2004 - 13 answers

Trying to solve a problem for a dear friend from highschool. She's been ignoring her school loans and came to me out of confidence. They were around 22k about six years ago; She doesn't know how to get herself straightened out. A second job isn't an option (based on her first) as the first job pays well (travel), but is being garnished; She needs a way to get them off her back, but not overwhelm her so much that she drowns trying to deal with them.

I'm ok with money, but I just can't figure out what to tell her.

Are there any counselors who specialize in this that I could send her to? If you're shy about this and dealt with this, please feel free to contact me directly by email.
posted by filmgeek on Dec 20, 2003 - 12 answers