FindArena > Find Arena > Banking

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  #1 ()
xxldoctttibr :

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  #2 ()
hyloadlodiact : hey you are going to select pearl jewelry man. Check the orders:
1.check your walet
2.check the design you like. for it

That's all.
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  #3 ()
Blisdibly : i have a really bad credit score and would like to start paying off my debt to get a better credit score. I have no credit card debt but owe things to places like electric companys,cable,banks for overdrawn bank account, etc. I am not sure if i should use a company to help me pay off these debts monthly because I do not know the exact places i owe these debts to anymore. What im asking is what is the best route to take?
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  #4 ()
Sonephede : Don't bother paying someone to settle these accounts. You can do it yourself.

Paying off these accounts will not improve your score or get them removed from your credit. The damage is done and will remain for the balance of the 7 year reporting period, whether paid, settled, or unpaid. However, paid old debt will look better to creditors reviewing your credit report.

You may as well negotiate settlement for as little as you can. You should be able to settle these debts for 25% to 50% in a lump sum, depending on the age of the default. Maybe even less if they are more than 4 years old. Get any settlement agreement in writing and do not give collectors direct access to your bank account.

To improve your credit/score, you will need at least 24 months of consistent, on time payment history. If you don't have open, active accounts, get a credit card, even if you have to get a secured card. Use the card for regular purchases like gas or groceries and pay the statement balance in full every month. That will build credit and avoid interest.
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  #5 ()
qcharlesc : Hi. Speaking from personal experience, the best way to go about this is to handle it yourself.

First thing to do is sit down and make out a list of your debts and exactly what is owed each company.

Next, make out a thorough monthly budget of what you spend. Do not forget to include how much you spend on food, gas for car, etc. Then you can figure out how much you can afford to pay back per month on your debts.

Then call each company you owe money to. Make a monthly or weekly plan and tell them how much you are able to afford to pay back.

It will take some time to pay it all back, but be diligent you'll get there.

Hope this helps.
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  #6 ()
kartonnik : I got a a free 30 day trial on ps plus but it wants a credit card number I swear on the 25th day I will delete the number and it won't be used ever again plz help anyone
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  #7 ()
craweerospeen : .. I think that's a bit much to ask of a stranger... :/
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  #8 ()
JanoNease : @phillip You know people can steal that...
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  #9 ()
IrredsPruri : Hahahaha. I see a budding identity thief here.
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  #10 ()
Wourryallebra : Nice try.
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