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bke126
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Subject: Credit Card Debts
 
Posted on Sat Jun 06, 2009 8:56 am  

I have few credit card debts from college almost 5 years old. I am working now. I am thinking of getting a personal loan and pay them off. I have also heard of debt consolidation. I want to know which the best option is, so that I can get a good credit score.
rachael



Joined: 11 May 2009
rachael's page
Posts: 233



6576 Magic Points

 
Posted on Sat Jun 06, 2009 9:15 am  

Hi bke,

I think debt consolidation would be a better option, as long as you continue to make timely payments for your current bills. By taking an unsecured personal loan, you can pay off the old debts. But you won't be debt free, until you pay down the personal loan. In case you fail to pay back the loan, the creditor can bring judgment against you. Instead by consolidating your old debts, you can remain current on your present credit accounts.

Debt consolidation has the following benefits:

1) It will reduce the interest accrued over the years, on the actual debt amount.
2) It is easy to keep track of your finances, as you make only one payment for many debt accounts.
3) It also offers a long repayment plan, so your monthly payments are reduced.
4) If you follow the payment plan that debt consolidation offers, without missing any single payment, your score will gradually increase.
_________________
Looking forward to a debt-free life.
Guest







 
Posted on Sat Jun 06, 2009 9:40 am  

Hi bke,

You can also consolidate your credit card (CC) debts on your own, without paying any extra bucks to a debt consolidation company. You can take the following steps:

1) Contact all the CC companies to whom you owe money. Ask them, if they have charges for balance transfer.
2) Transfer the balance of all your cards, to the one which has the lowest interest rate. You will have to fill out a balance transfer form.
3) After the the CC company notifies you of the balance transfer, ask them if the accounts are showing 0 balance.
4) You can choose to close the accounts, after there is no remaining balance.
5) You should ask the CC company to report to the credit bureaus, that the accounts have 0 balance and are closed.
6) Continue to make timely payments, for the account, to which you transferred all your balances.

Hope this will help Very Happy
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The BBB says easily $19 million was lost to lonely hearts scammers.

Crypto hoaxes

The massive understand of cryptocurrencies such as Bitcoin has scammers drooling. Some have been successful at getting people to pay fake tax bills with cryptocurrency, Which was made to be untraceable. Other fraudsters have duped thousands of people by selling fake cryptocurrencies online, In one case with tune of $660 million.

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The EPA mandate for increasing the use of corn ethanol in the output of gasoline has resulted in farmers plowing up their wetlands and grasslands and planting corn. within the last few four years, 23 million acres of wetlands and grasslands were turned into cropland. just using four years, More wetlands and grasslands were lost than were lost in the earlier 40 years. Some of the unwanted effects on the environment include:

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