I am looking to move into a great, CHEAP 2 bedroom apartment with my daughter, and sister. My sister has decent credit, not great, not bad. I have terrible credit. Just awful. They run a credit check on all adults applying to live there. There are other apartments out there, thru owner that I could occupy. However, this one is a great deal. Is there any way around this dilemma?
TALK TO THE MANAGER about your credit problems BEFORE they run a credit check. If you can possibly explain why your credit is so crappy (beyond "forgetting" to pay your bills) such as a job loss or something of that nature, you may be able to get in with a bigger deposit or something of that nature. Whatever you do, DON'T try and pretend your credit is wonderful up to the point where they run it and find out it's not - that'll just tick them off because you're wasting their time. Be honest and hope for the best - and if you get in, PAY YOUR RENT ON TIME so you can start rebuilding your credit! Good luck!
Would it be okay to file taxes jointly if I have bad credit and my wife has excellent credit?
30 June 2009I want to file jointly because we are going to get more refund. But I heard that if we file jointly creditors can come after my wife because of my bad credit. Is this true? Please note that most of my bad credit was before we were married. I only have a couple items that went in collection after we were married. I can easily pay them off. Any advise would be greatly appreciated.
It is no problem. You are doing your taxes. Please put the credit reports out of your mind. Run the numbers in the software. Over 85% of the time, it is better to file jointly. But test it to make sure you are paying the lowest, legal income tax liability.
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Duration : 0:1:14
KETC | Living St. Louis | Credit Counseling
28 June 2009
From KETC, LIVING ST. LOUIS Producer Ruth Ezell visits Laurie Ferrer. In this segment of ‘Facing the Mortage Financial Crises,’ Ferrer discusses steps to improve credit scores and ways to lower interest rates through online services. She currently works at University Pediatrics at Cardinal Glennon Childrens hospital. She wants to help others get out of credit card debt and find ways to save money each month.
Duration : 0:5:35
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Duration : 0:10:0
Hate your Credit Card Bills? MAXED OUT - NOW ON DVD
28 June 2009
Maxed Out takes viewers on a journey deep inside the American style of debt, where things seem fine as long as the minimum monthly payment arrives on time. With coverage that spans from small American towns all the way to the White House, the film shows how the modern financial industry really works, explains the true definition of “preferred customer” and tells us why the poor are getting poorer while the rich keep getting richer. Hilarious, shocking and incisive, Maxed Out paints a picture of a national nightmare which is all too real for most of us. Great for college students.
Duration : 0:2:15
World’s Worst Credit Card?
28 June 2009
Think you’ve got it bad with the fees your credit card charges you? Well try this: $247 up-front, for a $300 credit line… And that’s not the worst of it!
Duration : 0:1:36
Attorney isted Credit Repair. Delete all bad credit like collections - bankruptcies - judgments - repossessions - late payments - student loans -charge offs. Our members enjoy an average increase in credit scores of 127 points in just 4-6 months!!! affordable-legal-ethical-guaranteed attorney isted credit restoration istance with an average increase of 127 points in credit score!
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Duration : 0:1:27
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here's the situation, i paid a bad debt that had been recorded on my credit report. How long does it take before it is removed from my credit report. Do i need to show the Credit Bureau my receipt showing that i paid the bad debt? Trying to get this settled asap.
Just because you paid it will not make it go away. The Fair Credit Reporting Act (Federal law) says that derogatory accounts show for 7-years fro the date of first delinquency weather paid or not.
