We spoke briefly to a recruiter and he said that yes my husband can still enlist but it will affect his security clearance. We couldnt inquire more because he rushed us off the phone. My question is wouldnt bad credit still affect his ability to get a security clearance. as well?
I am 20 years old I live in a house with my boyfriend it is in his name but I paid for this house also, I was just wondering if anyone had ways to get a credit card? I went to my bank and asked and they want me to put my own money on a card for like almost 2 years and keep paying it back. I do not have that much money to pay on the card and then pay back constantly. I work in fast food but I do keep my bills paid, was just wondering if theres any good cards out there to apply for like a 300$ credit limit I want to start building my credit. Also My dad filed bankruptcy a year ago and he is starting to re build his credit can he cosign for me still? its so difficult doing it by yourself because my mother has bad credit so I cant have her cosign anything so I’m kind of stuck. And yes I’ve applied and kohls, fingerhut all these small places and got denied. Please any advice would be great! It would help out alot! I dont want a credit card to be immature, I want it for emergencies such as my car breaking down or for gas or bills.
Probably cant get a loan to pay them off because of my bad credit? My mom has good credit and might help me out though. Still wouldnt even know where to start.
My cards are in horrible standing. At this point they are all closed accounts. They want their money in full (or a settled amount). I have a better job now and I can afford to pay 250 a month towards this.
Any debt consolidation ideas; loan ideas; debt-relief programs??!?!?!
So i acquired some debt back in the day.. and basically didn’t pay it all.. so here i am in debt. And I want to file for bankruptcy.. here is the thing.. I’m married now.. so is that going to affect his credit?? or what?.. can i file for myself still and it be just for me. So that I’m the only one that has the "bad credit". His credit is good.. and most everything is in his name. I want to file for it.. but if it messes up the good he has.. then i don’t.. but i’m not sure how it works.. anyone with advice or info on that let me know. Thanks.
I had co-sign for my brother’s car loan a month ago. I have very bad credit but they want to combine our income to lower his APR. I am filing for bankruptcy next month. Will the new loan effect my filing?
The car is not for me but I am on the loan.
My brother is keeping his car. He is on time with the payments. I just want to know will the new loan cause any drama or will I get denied due to the new loan.
i am looking for a unsecured loan to file for bankruptcy. Also my husband and i have really bad credit which is also a factor.
Besides a bad credit score, does anything else happen to you? Are you still able to use your credit cards after that? My good friend just filed for bankruptcy yet insists that we should be buying more stuff for our apartment, spending more money on things. I know he will just get right back into debt again. Sometimes it makes me angry to think people like this just get everything wiped clean with no real penalty, to do it all over again. Just curious. thanks
I have made a huge mistake and made a verbal agreement over phone to put money in my bank account for the collector to pull out the payment for today, and didn’t have a dime in the account. I tried renegotiating with them, but they are very misunderstanding and disrespectful. I don’t have the money to pay off a settled debt of 48.00. The original debt was 08.00. They did send me a notice and the phone call was recorded. I do want to pay off this debt but i just dont trust giving my information to rude, disrespectful people. I know they just want their money, but how can I make this work? Can I just ignore their calls until I do come up with the money? And what can happen to me? I can’t go to jail can I?
now that ill have bad credit at 19 years old, what can I do to get it back up? and what can i do about my bank account? i’m afraid of putting any money in there now that they have my information. can i just close it?
I have been forclosed and the defecit to the lender is to high I have no job after a divorce everything went to ground. I am planning to remarry , however I do not want my current bad credit to affect my fiance. would my old financial issues affect her immidiately after marriage? how to prevent that?
would that be better to file bankrupcy before we get married. what are the provision of the law ?
How will my credit score look after each situation? Will have have bad credit and for how long?
1. A Settled debt paid off for 30% of what is owed after no payment for 60 days.
2. A full payment made to credit card company after 180 days late, right before being sold to a collection agency.
3. A debt paid (whatever %) after being sold to collection agency.
Thank you I am curious scenario along on the credit report and what it will mean and do for my score.
we have lived in our home for 30 years but do to medical problems, a death in the family, and the recent economy we finally had to give up and file bankruptcy. we need to rent a home and don’t know how to go about it with bad credit my husband has been at his job for more than 25 yrs. we need help any suggestions
I have really BAD credit that there is NO way to repair it unless I file for bankruptcy… I’m currently a student and have several more years of school left. I am up to date on my current student loans right now and I’m so afraid of filing for bankruptcy because I don’t want it to effect future student loans.
I am confused as to what to do – my husband and I recently reconciled and between the two of us, we have ,000 in unsecured credit card debt. Although he makes very good money, approx. 00 per month, we cannot keep up on all the minimum payments for these cards, let alone trying to pay the principal.
He has a car payment and we own our house (or we will in 27 years anyway 
– we have not been late on the mortgage as that is our top priority. We also have 4 kids…… should we file? We figure since we have the house and vehicles that we can deal with the bad, bad credit that this will result in but are we forgetting something?
We considered a debt consolidation but we heard this is more often then not a scam and ruins your credit as much as or more then a bankruptcy. Any advice is appreciated ~ thank you.
Unfortunately all the late payments have resulted in a credit rating in the 500’s which is too low to qualify for a re-fi.
I have really bad credit and it keeps on building up because I recently lost my job. I have a car loan at a credit union, and fear that if I file for bankruptcy that they will take my car away.
About 4 years ago i was ill for several months. This left us with just one income. To get by we had to use our credit cards for everything. Things got really bad for awhile and we couldn’t pay the creditors. Now they are all in collection. We are okay now but cannot aford to pay off all of the cards. I would like to try to rebuild my credit. Is it better to file for bankruptcy or just have the bad credit
I want to file bankruptcy but I also plan on getting married soon? Would it be better to file bankruptcy before I get married or because my spouse has bad credit as well get married as planned and file together? Is a spouse bankruptcy more expensive? But mostly would it be better to file together?
I want to file bankruptcy but I also plan on getting married soon? Would it be better to file bankruptcy before I get married or because my spouse has bad credit as well get married as planned and file together? Is a spouse bankruptcy more expensive? But mostly would it be better to file together?
I know this may be rather irresponsible of me but I have backed myself into a corner and I see no escapes other than declaring chapter 7. If I never would have financed my car (at age 19 now 22), then I would not be here asking about it. I still have 3 years left of payments on my car and insurance on top of that plus living expenses. I DO NOT wish to work full-time like I have been for the past 3 years because I want to just focus on school and not worry about bills. I only work part-time now and my income does not meet my needs. I figured why not since I won’t be buying a house anytime soon. I plan on saving up for a cheap car (about 2 grand) to have until way after graduate school and an established career. I was very naive and ill-advised a few years back and would rather suffer with a bad credit report now than deal with the bills and be forced into full-time work again. Please, I need some honest, sensible opinions. Thanks!
My husband is 21, unfortunately he has made some horrible decisions in his life regarding money. He is now considered ‘high risk’ by EVERY loan company you can think of, including the NO CREDIT BAD CREDIT NO PROBLEM people, lol. Now his (not mine, my name is not on it, and please remember, I just recently became his wife!) car is up for repossession. He leaves for basic in January, and that will solve many of our money problems. However, we NEED this car, myself and my daughter, while he is in basic and up until that time. How long will it take them to come get it? And the real question I am asking is–with his credit being this horrible, and owing all this money that’s so terribly behind, should he just file bankruptcy?? I know it will freeze the repo and we can at least keep the car. He is only 21, I know that is young, but his credit report is four pages long–of crap he still owes. Would it be better to start over even with a bankruptcy? (my credit is good.)
That is–keep the car for an undetermined amount of time. His mother (imagine that, the apple doesn’t fall far from the tree) filed bankruptcy earlier this year and drove her truck for free for over six months.
Can the credit card companies get my disability money like they garnish wages?
Will my credit clear-up in 6 year if I don’t file bankruptcy?
It has been 15 months since I have charged anything on any credit card account.It has been 12 months since I have paid on any of my credit card debt. It is well over 10 times the reported national average. My life situation changed dramatically. My old job was great money and I would be back in it in a heart-beat , if I could. Income from disability doesn’t cover the unsecured debt I have.
I hope to heal and someday go back to work; however, what looks worse a bankruptcy or bad credit? I need advice that will help pull my life together in a way that I can return to the mainstream without some creditor popping up to sabotage my attempts to become productive again. (next time without credit cards- I have made it a year and I am determined to go longer even though the idiots keep sending cards(with hugh credit lines) in the mail.
Hi all.
I am 23 years old and have VERY bad credit and a lot of debt.
I had a lot of complications during my pregnancy, and was in and out of the ER 2-3 times a week for 9 months… after I had my son, a hospital representative came in the room to discuss medicaid with me…ALL this time I was under the impression that I had medicaid and I did NOT. Now I have racked up thousands of dollars in medical bills && also I have 4-5 umpaid credit cards adding up to about 00. Mind you, I have not paid ANY of these bills.
I am married, and want to file bankruptcy, but I do not also want to ruin my husbands credit…can I file for myself only??
I am just really nervous about all of this and I don’t know what to do…
Any suggestions are welcome…
Serious answers only.
Thanks all!
I am trying to settle the debt but the creditor would not give me much time. Does anyone know if I can loan about 9000 with bad credit? I do not have home but i have a stable job now.
I am going to try to resolve some bad marks on my credit by paying off some older debt. I don’t have bad credit card debt or anything of the sort. Just some old bills that went to collections from hospitals, cell phones, utilities, etc. Many of these have been from years ago (some 5+ years).
Now that I am making a decent living, I am finding it hard to obtain lines of credit, and know what my score is. I ordered my 3 free credit reports yesterday, and will be expecting them in the mail shortly. I want to try to tackle these ‘old’ debts to get them off my report, and hopefully improve what’s written on my report.
I read that the first step in doing this, is to write a letter to each company listed on the report, stating that you want to rectify the situation, and to work out a payment plan. What types of things should I ask? Should I propose options? If they respond with a payment plan or settlement amount, do I accept it or negotiate? If I correct these, will they come off
I kept dropping in and out of school for years. Now i’ve taken a job as a painter’s assistant that i love. But i no i will not be able to pay anything on my loans because i barely make minimum wage. I don’t care about my credit because i already got bad credit.
Thanks to idenity theift i pulled my credit, i found alot more than i expected but as it turns out they do all pan out. I am thinking about filing chapter 7 bankruptcy but since my wife’s credit is good we dont want it to show on her file, heres the thing. We are young we have nothing in our name our house is owned by her parents our cars are paid off we have no loans or anything of that nature with both of our names on it I would be filing by myself with out her. All my bad credit is old starting when i was 18 and I want to get a fresh start and with all the old medical bills and things bankruptcy seems the best for our family. I’ve read alot on these sites saying your credit is there credit and when you are married there debt becomes yours, this isnt true my wife’s credit score is over 700 while mine is in the 500’s this is why i am asking i dont want it showing up on her file…. does anyone get what im trying to say???
I have been unemployed for 9 months with bad credit as a resultof late payment. Should i file chapter 7 b/c I currently have no assets or dispute with my creditors to have some things removed from my credit report to improve my score? I am only 21yrs old and in need of a car and I am trying to straighten things up. Please help!
I have bad credit and i am trying to improve it so later on down the line i can decide to buy a house. I have at least 7500 dollars in debt but is it safer for my credit to to bankruptcy or a debt settlement?