I don’t know exactly what kind of information you have to give out in order to check your credit score, but something about those “services” just seems about as legit as an old man in a van offering free candy to children.

OK, I would really appreciate if only people how know the true answer, will give answers as this is an important question for me and I need to know THE TRUTH. Someone at a local mortgage company told me that if I go to Consumer Credit Counseling Service and start working with them on my credit report, to fix things, this mortgage company person said the credit bureaus see this as me almost filing bankruptcy . I have never ever heard this and I want to know if this mortgage person is telling me the truth, I don’t think so because I have worked a little with Consumer Credit counseling service before ( the non- profit one, where we don’t pay anything, I think it is funded by the government). anyhow, I never understood it to be a ” bad’ thing to do, to work with them What do you who are experienced in dealing with credit repair know ? I know there are a zillion places could sign up for money , but i don’t mean any of those places. Hope this is clear enough;)

I’m trying to find a FREE credit report and I tried the annual one but they are asking for 7.95 …can anybody tell me how to get my report without paying???

I had an interview on Monday and they offer me a job on Wed. Had they check background/credit before or after offered? I am worry about my credit even though backgroud is clean.

My boss needs me to find a reliable service that will provide an in depth credit, criminal & background check on someone. Any suggestions? All the places I’m finding online don’t offer what I need….

Since there are a lot of people with bad credit nowadays, do you think they will put pressure on credit card companies to help people with debt or bad credit?

I have approx. 40K between 4 credit cards that I had before I was married. These credit cards are in my name only, not my husband’s. I have always paid my debts on time and have never been late until the past few months. I am now past due 30-60 days and now owe late fees and over the limit fees and can’t even afford the minimum payments any longer. I have been basically sticking my head in the sand about my financial situation for almost 2 years and borrowing from Peter to pay Paul.

My husband and I jointly have a home loan with a balance of 92K and a home equity loan with a balance of 30K. Our home is worth about 120K so we have no equity. We are current and have never been late on our mortgage loans. We live in Indiana.
My husband has a car loan in his name only. It is current and have never been paid late.
My husband has 2 credit cards with a balance of 11K. These are current and have never been paid late.

I now only work part-time making approx. $300-400 gross per month. I am trying to also substitute teach to make more money.
My husband works full-time and this is how we afford to make our mortgage payment, car payments and his credit card payments on time. We are trying our best to make certain his credit stays good.
My husband has a credit score above 680. I believe mine was 640 until the last few months – now I am sure mine is terrible due to my lack of payments.

I am looking for advice. I have tried to negotiate with my credit card companies and offered to send as much as I can until I can find a higher paying job/more hours. However, they are not agreeing to this and won’t stop the fees/high interest rates from accumulating. I almost feel like it is pointless to send anything because my balance just gets higher after sending a payment.

I definitely want to pay my obligations. I have looked into credit counseling but until I have more income, I can’t afford to make the kind of payments that is required. One counselor suggested that I file bankruptcy individually but I don’t know if that is a real option since I am married. My husband’s credit is perfect and I don’t want to risk his credit.

If I can/should file bankruptcy as my only option, can I still pay back my debt – just on my own terms that I can afford?

If I don’t pay my credit cards, what will happen? Can they take my house or affect my husband’s credit? If they sue me, will the court allow me to make payments that I can afford?

I know this is a lot of information and questions. I truly appreciate your help!!! The stress of this is killing me. I am so tired of worrying.
I have twins so it is tearing me apart to have to put them in daycare in order to work full-time until they are a bit older. Plus, by the time I pay for daycare it’s hardly worth it.
Marq suggests ignoring the calls, etc. But won’t the credit card companies sue me and then I’ll even owe more? If they do sue me, can I get my house?

What do you think about people who deliberately go into debt maxing out their credit cards and everything else under the sun. And than get out of paying their bills by declaring bankruptcy ? I know a person who is greatly in debt through irresponsibility and a lawyer told her just give me such and such money and we;ll take care of this for you. Not fair to the people who are responsible. What do you think about it.

We have just suffered a big financial blow due to some unexpected expenses and now are at a loss about what to do about Christmas for our children. I have very bad credit due to trusting my ex-husband when we were together. Big mistake!! I am getting it cleaned up but it’s been a slow process. I was wondering if there is anywhere to get money for Christmas with bad credit that isn’t a payday loan place.
We always stress the importance of giving and that Christmas in not about presents. We don’t buy big expensive gifts. We have 7 children and we usually buy them things that they need and can use (clothes, shoes, stuff for their rooms and usually the one (not too expensive gift that they really want.)
I also don’t want to go to a chairty because we can pay it back, just not all at once and there are people that can’t and I don’t want to take away from them. Any suggestions would be greatly appreciated…thanks and have a blessed day!!