Credit & Debt Consolidation : Non-profit Debt Consolidation
How do you know which debt settlement or debt consolidation program to choose, when theirs 1000's out there?
How do you know which program is good and which one is right for you. I heard their is a way to check there beruo report or something, not sure what its called. How can you see the results and reputation of the debt settlement program or debt consolidation program.
Watch the video related to debt consolidation
Non-profit debt consolidators work for credit card companies. Learn about non-profit debt consolidation from aregistered financial consultant (RFC) in this free personal finance video. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
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This entry was posted on Monday, October 26th, 2009 at 4:46 am and is filed under Debt Consolidation. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
11 Responses to “Credit & Debt Consolidation : Non-profit Debt Consolidation”
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Nice Nice Video. I really loved your video. Youtube can be a great asset for you. If you need any help getting your video exposed, check out this site called tubeviews [dot net] It has really done wonders for me, I have built 3 Channels up with videos at top in position and this is my forth channel i’m going to working on.
Have A Good Day/Night!
Great video on what a non profit debt consolidation company really does. Not many people know what you have said here!
Yes, it is true. Having active credit cards on your record is no problem. It shows that card issuers are willing to extend credit. If these cards have no balance on them, you should have no trouble getting a new card. Apply and start using it.
if you are looking for the free credit score and report usa national site, check out this site
http://free-credit-report-national.com/
Here you can see your 3-in-1 Report from all three credit reporting agencies and your credit score.
my dad said the same thing when I was 17, and he helped me (cosigned) to get a credit card to "establish credit". Now I am 21 and after 4 years of charging crap I'm F*cked. your dad is right you will need to build credit, but I would suggest waiting a little while. Unless you have one of those parents who is going to pay on your card for you just don't bother with it yet. I know you say you will be smarter then me, but I thought the same thing, then your car breaks down and what do you do? or something else comes up where you feel you really need the money, and that's how it all starts. you don't need good credit to rent an apartment. You do if you want to buy a house, you can usually buy a car without credit if you can afford it, but if you don't have any credit they will rape you with interest fees. just wait a couple years, unless you have rich parents.
Establish positive credit lines. Utilities, cell phones, etc don't count on your bureau (Usually they only report if you owe them money)
It basically leaves you these options:
Credit card
line of credit
auto loan
mortgage loan
Bottom line, credit card is the easiest to get. Credit cards are useful in rebuilding your debt because a banker can see how you are managing your available credit balance- that is, if you have a $2000 credit card, is your balance managed well, or do you owe $1997 on it.
if you are looking for the free credit score and report usa national site, check out this site
http://free-credit-report-national.com/
Here you can see your 3-in-1 Report from all three credit reporting agencies and your credit score.
I would take out no more than 2. I would start out with a secured card. Granted you would have to put a deposit upfront to secure a line of credit, but the deposit would also garner interest while you're proving your creditworthiness. You could start out small, like $200-300 or larger like $1000-2000. Either way, I strongly suggest you to continue to use your debit card and pay cash like you've been doing, and make small purchases that you can pay off in full every month (around $20-50). I would only use the credit card in dire emergencies. After the secured card becomes unsecured, then you could receive offers for other cards, but chances are just the one card could work just as well. Be sure to dispute anything that was involved in the identity theft and make sure that you have a POLICE REPORT. Your "good accounts" (rental, club, cable, cell, etc.) CAN be reported through this reporting agency called PRBC. (http://prbc.com/default.php?) This is for REAL. You can have your good credit reported and complied in a scored report that can be considered with your traditional credit reports. It's become increasingly popular and I'm certain that it will help you out immensely.
I agree that car loans and mortgages are better indicators of credit. If you plan to use a credit card, please pay on time. Late payments are never helpful for your credit. If you already have a bank card, why not check with your local bank about about credit cards they offer. Please remember to read the fine print on any card application. I have used the below informational website for expert information on various types of credit cards. Shopping around for the best credit card that suits your needs is also important. Many companies offer credit cards with no annual fees, cash back, reward points, etc…Good luck
if you are looking for the free credit score and report usa national site, check out this site
http://free-credit-report-national.com/
Here you can see your 3-in-1 Report from all three credit reporting agencies and your credit score.
Stop applying for the cards, you will only be denied. You will have to start building your credit rating with secured credit. Make sure the banks report to the credit bureaus, otherwise it does no good.
Go to the bank you do business with, ask them if they have a secured credit card, if they do open a new account with $300 – $500 tell them you want a secured credit card against that account. Use the card for small purchases like gas or food and pay the card off entirely each month on time.
Also you can take your savings account and save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months. Lenders like to see a mixture of credit, revolving, installments, personal loans.
After a few months you can try for an unsecured card again. Retail store cards and gas cards are normally easier to get.
It takes 24 months of consistent on time payments to build a good credit rating.
Do not close the card cause it lower you available credit line. You also can use this service to pre-estimate future scores for different scenarios of credit card payments. – freecreditreport.sinfree.net
If you want to do it, heres the right way to keep your score in range..
If it is a store credit offer ( macy card, sears card, you get the idea) it's not worth the damage to your FICO score. When you open a new line of credit your score drops up to 200 points.. and with store cards usually charging 24% interst, doesn't adding it to an existing card of 6.9-18% sound a little better.. you'll be paying a lower interest rate, not adding additional lines of credit, and keeping your score within range of your current number. (Depending on the purchase price it could drop your score up to 100 points, but still better than 200)
Best thing is to pay cash or lay-a-way if possible, if you charge it use this formula to pay it off quicker..
take the price of the item ( example 600 $) divide that by the months you want it paid off ( 12 months) gives you a 100 $ cost… add the 100 dollars to the minimum payment due.. normally 15 dollars is now 115 dollars.. and you'll pay it off in 13 months.. you gain a month for interest, but increase your score every month you are on time or early.