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Hi everyone-
I'm new here and was looking for a resource that offered advice minus the scam and I think I've found it here :)
Through unemployment and some other rough patched, I've accumulated 30k in CC debt (balance transfers, etc) - this is totaled among 5-6 cards.
At this point, I'm starting to drown under the minimum payments. Should I go for debt consolidation or a bank loan to help in the repayment process?
Thank you so much.
You can get a debt consolidation loan only if you have a good credit score. Now if the debts are not yet 6 months old, the debts might not have been reported in your credit report and so your credit score may not have reduced till yet. However, if the debts are old and it has been reported to the bureaus, it may be difficult to get a debt consolidation loan. Again, if you go for a bank loan, you can get only if you have a good credit score. However, debt consolidation loan is better than a bank loan because the interest rate on debt consolidation loan is less than that of bank loan.
Hi Jimson
Can you tell me your credit score? If you have a good credit score still now, just go for debt consolidation loan else once your debt gets reported, you will find problem in getting the loan. Since you have credit card debts, you can go for balance transfer credit cards which have 0 APR for a period of 12 months and no annual charges, but that too requires a good credit score.
I've had my debt for about a year - someone told me to try and negotiate with the cc companies for lower interests for the length of the debt - some type of repayment plan. What do you think about this step? Any advice of verbage for this particular route? Thank you so much all.
Thank you all so much for your help - it has been invaluable.
Let me run this by you, I have an unused card with a credit line of 18k. The interest rare is not good but i've had the card for 8 years or more. Do you think I could call and negotiate a balance transfer for the cards whose min. payments i'm struggling with and negotiate a lower rate for the life of the balance?
Thank you again.
PS - Scott, which service do you recommend as the best to get my score from - I've had bad experiences in the past. Thanks!
Hi Jimson
For getting a balance transfer credit cards, you need to have a good credit score. Now since your credit score has gone down as the debts has already been reported to the credit bureaus, you may not get a new balance transfer credit card. So you can negotiate with the cc companies for a discount on the outstanding debt amount and then come to a repayment plan to pay off your debt.
Hi Guest
Since your credit card is 8 years old, you should not close it as it will lower your credit score. FICO takes into account your the length of the credit history while determining your score. The length of the credit history accounts to about 15% in your FICO score. Moreover, if you close your card, your entire good credit history over this 8 year period will be lost. You can go for balance transfer credit cards and transfer your balance, but I think that you should not close your cards.
Yes a credit card that has been opened this long is really good for your score and looks good to other financial places. When going for a loan you will be viewed more postively when they look and see this.
You have never used the card? That is a long time, you must be a very disciplined person. If you have not used it, then are you sure it is still a valid card?
As far as balance transfers, they have a grace period on them that can be very costly if they go past the grace period. Think it out and do the math, are you saving money? If you write it all down in front of you, then stand back and take a look then you will be able to make your own decision. goodluck!
When it comes to balance transfer the fine print is probaly the most important thing. The introductory offer may be zero percent for one year and then go to a big amount after that time [period expires. If you are comfortable in knowing that you can pay off the amount before the time period ends it really could save you money if all the other interst rates are high.
Some also do the rollover thing. Once that zero interest ends they will roll it over to another zero interest card.
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Find a private lneedr. Last time I suggested a resource, someone flagged my answer and Yahoo! removed my response, so I won't do that again.But private lneedrs will, either as a group or individually.Maybe you even know someone with some money. They can secure their loan with a mortgage on your property. If you don't repay according to the terms of the mortgage, they can foreclose. That's the risk you run by borrowing on your house. But I know plenty of investors who'd lend $10,000 or $15,000 on a $75,000 home with no mortgage. The interest rate might be high say 18% or so, but they'd do it.An investor can even fund it out of a self-directed IRA. And with the stock market in free fall right now, plenty of investors are looking for better places to put their money. They'd be glad to lend money at 18% secured by an asset worth 6 times the loan amount.Hope that helps.
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