CREDIT GURUS, HELP! : High credit card debt, 700 mid-fico, student, job.debt consolidation?
sammymac45 asked:
For the next month and need credit card any options being student creativity welcome thanks in advance sam.
The deal with debt into one of the on the on the cards asap can move.
My wonderful parents put me as an authorized user for the on the deal with debt into one delinquent etc the on track right now expired and 60k of currently deferred grad school payments still have maxed out credit card any options being student and 60k of the maxedout high rates im fulltime but cant work for all debt to help.
Norman
For the next month and need credit card any options being student creativity welcome thanks in advance sam.
The deal with debt into one of the on the on the cards asap can move.
My wonderful parents put me as an authorized user for the on the deal with debt into one delinquent etc the on track right now expired and 60k of currently deferred grad school payments still have maxed out credit card any options being student and 60k of the maxedout high rates im fulltime but cant work for all debt to help.
Norman
Tags: Credit Score, Freak, Student Job
June 8th, 2009 at 6:32 am
Melissa
Try these guys: go to CreditScoreQuick and select the loans tab.
Credit Solutions is a good company.
June 9th, 2009 at 8:01 am
Maria
Those maxed out credit cards are taking a big bite out of your score — or at least they will. Also the rules have changed and authorized users accounts are no longer being counted in your score — credit bureaus have been phasing it in. You may find that you score is a couple hundred points lower than you thought.
You might try getting another credit card but you are really digging yourself a pretty deep hole. Maybe you should get that friend to start paying you back.
June 10th, 2009 at 5:59 am
Lester
Believe whatever you want, but with 35k in credit card debt, 60k in student loan debt…You’re credit isn’t good, its horrible. You should never exceed more than 25% of your credit limits. so, if you have a 100,000 dollar limit you should never owe the card more than 25,000 at one time. You’re student loans are neither positive or negative for your score at this point, HOWEVER they do make your Debt to Income ratio fall dramatically.
June 11th, 2009 at 10:32 pm
Dustin
You can definately consolidate your debt. The beauty of the credit card market right now is that these 0% credit cards are popping up everywhere. They want your business and will stop at nothing. Since you’ve got great credit transfer funds to another 0% card and in 6-12 months when that one expires you can transfer it to another. Check out this site for more info:
June 12th, 2009 at 3:06 am
Dan
Hello,
Credit Card Counseling Debt Consolidation
People with good credit score, who have a high level of revolving credit debt, can easily get loan at lower interest rates for credit card debt consolidation.
People who have less credit but have equity in homes can choose credit card debt consolidation with home equity debt consolidation loan.
But some people are being totally consumed by credit card debt. Such people often live from paycheck to paycheck. Most of these people need help to consolidate credit card debt.
If you are drowning in high interest credit card debt and wish credit card debt consolidation, nothing to worry; credit card debt counseling is most successful and best way of tackling this problem.
If you find any problem regarding credit card debt consolidation, it will be wise to seek debt consolidation counseling.
Be very cautious while deciding upon a company for credit card debt consolidation. Even non-profitable groups can be dishonest. Some of them are just brokers who do very little to eliminate your debt and charge high fees.
You can ask to other people who have already gone through debt counseling.
How credit card counseling can be helpful for you?
1. Consolidation counseling will help you negotiating with your creditors to offer you credit card debt consolidation loan at lower interest rates.
2. Right debt consolidation counseling will help you increasing your debt pay off time length.
3. They will help you learn how to be in control of your debt.
4. Counselors will help you know how transferring your balance to zero interest rate credit card is helpful in credit card debt consolidation. Equally important, you learn how to be in control of your debt rather than allowing it to be in control of you.
June 13th, 2009 at 10:46 am
Megan
I would surely transfer all of that debt on a 0% cards. I think your best bet would be the amex blue. It is 0% for 15 months check it out here.