Asking on behalf of a friend (let's call her "Liz"): can a credit restoration company help fix a credit report with multiple charge-offs? If not, what CAN be done? Sadly drifting swirls of bleak gray snowflakes within... [more inside]
My girlfriend recently found out her parents will be getting a divorce. She just graduated undergrad but still lives at home. She also has college debt that she's trying to pay off so she could move out. However the mother is looking to move out of state and she doesn't want to go with her. [more inside]
I'm developing a comprehensive financial literacy program for medical school students. What are some key issues I should focus on and what are some effective ways to distribute information? [more inside]
StudentLoanFilter: Should I use my student loan money to pay off my last credit card? long-ish explanation of my situation inside. [more inside]
KEYFINANCIAL.US a real debt collection agency? [more inside]
Someone near to me has recently recognised, and begun to address, a serious problem with debt. The debt is not a result of extravagant spending; it seems to stem from persistently bad decisions about consumer credit, and a habit of repaying loans with other loans. So... once the debt has been consolidated and the credit cards have been destroyed, what measures can this person take to ensure they never, ever get into debt again? Is it possible to voluntarily ban oneself from being offered credit? The person is in Australia.
How do you establish your credit rating and rental history in one country when you're from another one?
How do you establish your credit rating and rental history in one country when you're from another one? [more inside]
I'd welcome hearing of Mefites who have had experiences with the Prosper website as a borrower. (Or, if no one can help me on that, recommendations for Chicago or national credit unions accessible to most anyone.) [more inside]
I have a question about resolving an issue with my credit that is keeping me from opening a new bank account. I was overdrawn at Washington Mutual in California. The amount is around seven hundred dollars. It went to a credit agency a while ago and now shows up on my credit report. I have moved to Pennsylvania and when I went to open a new bank account, surprise surprise was not allowed to. The bank employee told me that what I needed to do is call the credit company and tell them that I will pay the full amount, (which I want to do, and thankfully, can now), if I get them to agree to send a written confirmation that I have made good on my debt and that the matter has been resolved. He said that is the only way that I will ever get to open an account at any bank. A few weeks ago, I went through metafilter with a fine tooth comb to find advice on how to go about this, but didnt find the answers I need. [more inside]
Credit Card Filter: I know there has been plenty, but this is a bit different, I searched and could not find anything related. I am beginning to work for a company who let's me use my own credit card for expenses. Problem is I do not have a credit card, I have a debit card. My credit isn't that hot. Basically, I am looking for a credit card that is easy to get and that I can get miles on. Remember my credit is whatever.
I've got two credit cards with interest rates of 21.24% and 23% - both with balances over $5K. Both banks have sent me convenience checks - one with 3.99% fixed APR for life of balance - the other with 0% through August (then 17% after). Can I 'swap' the debt from one card to the other by using a convenience checks to pay the balance and getting lower interest rates? I'm paying my debt off every month - but if I can get it to grow slower, I thought this would be a way to do that.