Credit File Freeze Now Free
jrb451
5 years ago
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jrb451
5 years agoRelated Discussions
I need credit card help
Comments (15)Well, like everyone else, I agree with much of what has been said but of course, as humans, we can't leave it at that and have to put our own 2 cents in :) You need to figure out a few things about your debt. Is it a matter of you currently have 35k debt that you need to pay off and you aren't adding anything to that debt? If so, then that is great! Work on ways to save every penny you can from your monthly budget to put towards debt. If you are still adding to the debt, you need to figure out why. Have you been paying for your kid's education or any of their bills? Like someone said earlier, if this is the case, they need to pay those things themselves. If they can't get a student loan, then they can cut back on their school hours, find a job full time, and pay their way through. They can also learn to take own their own insurance and phone bills if they don't already. And, if you still can't get your head above water, tell them that they will need to start pitching in on the food budget, or even pay you rent if they wish to live at home. Some may say that is harsh, but what is the best way to prepare a child to grow up and be apart of the real world? The parent pay for everything and bail them out of every problem, then suddenly graduate college and realize they don't know how to budget their own money and end up getting stuck with debt problems or unable to save for anything they want? Or having them pay for the things they want and need while under the protection and guidance of their parents so that when they graduate and/or get married and start their own family, they know how to budget and save money. So this could be a major thing to look at. You obviously don't want to just kick your kids away and make them think you don't love them, but if they aren't responsible for their own things, you need to start holding them responsible for them. Also look at other things you could save on. If you have Cable or Dish, perhaps drop them. Most shows can now be watched online, even if it means going to youtube and seeing if anyone put it up. Perhaps revise the food budget? That's one thing my husband and I have really been working on. I have cut ours in half! I am unsure of your living conditions or what type of disease you have, but if you are able to, perhaps there are things you could do for a little extra money. Clean the homes of family and friends? Host a garage sale and have all the profit go towards your debt? Are there crafts you can sell (they usually don't bring much money in, but every little bit can help). Perhaps you have a skill or talent you can train people in? If you can find something you can do that will create extra income, do it and discipline yourself that all of that extra income will go towards your debt and can't be spent elsewhere. If you haven't already, check out various sites about cutting the budget and frugal living and as you apply those tips, use the money saved toward debt. I have 2 things left to say. The first is a tip I read about paying off debt. Write down all the various debts you owe. (To whom, who much the debt for each is, and their minimum payment). Next, order them from smallest debt to the largest. Each month, pay the minimum towards each debt, but for the smallest debt, the one listed on the top of your list, pay more. I'll give an example on a small scale. We'll say you owe $ to 3 creditors. Vista debt: 300 Min: 20 American Express debt: 1000 Min: 50 Master Card debt: 2500 Min: 100 So, you pay the 50 and the 100 to AE and MC, but for Vista, we'll say you managed to get enough extra income to pay 100 a month on it. So, for the next 3 months you get it paid off (Note, I am not calculating interest, it is not needed to get the basic concept of this). Once you paid off that Vista, that gives you $100 extra each month that you can then apply to the AE card. So, rather than paying the min 50, you are able to put 150 towards it. Once the AE is paid off, you now have 150 extra in the budget so you add that to the minimum payment you were paying on the MC which means you'll be paying 250 on it each month. With this method, you can quickly pay off debt and reduce the number of creditors you are paying because rather than spending forever trying to pay off the largest amount, or slowly paying off all at the same time, little by little, you free up money as you finish paying off creditors so you can apply more to other debt. I hope that tip helps. The last thing I have to say is short. If you already have bad credit, do not fret about it. You don't want to do anything stupid, obviously, but do not fret about past mistakes. After 7 years, bad records are taken off your credit record. I could be wrong on the 7, it may be slightly more or less, but I believe it is 7 years. I know for bankruptcies, it is 10 years before it is taken off. (But please don't go bankrupt if avoidable because we, the tax payers, as well as yourself assuming you work and pay taxes, end up paying for it through our taxes). I hope the advise I gave was helpful....See MoreCredit Report - who is CSC?
Comments (8)I would guess that CSC is a company that is set up to sell you something. Think about it.....no matter who orders credit reports...a bank, a credit card company, a finance company or whomever, they have to pay anywhere from $3 to $12 for each report from each of the 3 major companies. Why would any company go to the expense of paying thousands of dollars for these reports and then give them away "free". There are no free reports. Generally you can get "free" reports only if you sign up for some other service that is anything but free. So, if you haven't been contacted by CSC to sell you something yet, you will be before you get any "free" reports. Mark...See MoreYou Can Freeze Your Credit in 2007
Comments (6)chisue here is a link that explains who will be able to freeze their credit in 2007. www.suntimes.com/business/currency/185575,CST-FIN-c-theft25.article It is just my opinion, but I think nationwide credit freezes are long overdue. Consumers shouldn't have to wait until they have been ripped off in order to be able to protect themselves. Ed Mierzwinski, U.S. PIRG consumer program director said it well. "The three credit reporting agencies oppose credit freezes because they think consumers' credit information is their product to sell. They make money every time they sell your information to banks, mortgage brokers, car dealerships and other retailers. Of course they don't want consumers to have control over their credit files; it takes away their bread and butter." It seems that the credit bureaus could care less how many people are being ripped off so long as they can keep making money. I think what the credit bureaus are doing is a racket. Definition of the word racket, "A business that makes money by selling a solution to a problem that it created (or that it intentionally allows to continue to exist), specifically so that continuous purchases of the solution are always needed." In this case the "solution" is the credit monitoring services they charge us for. We get to pay them to see who they sold us out to. They are making money coming and going but we are the ones paying the price when it falls into the wrong hands. I really don't mind waiting a couple days for a freeze to be lifted in order to apply for a mortgage, credit cards, etc. I'd rather do this than worry about who is buying my information for ill gains. I think it is better to keep the barn door locked before the horse escapes. Not try to fix it after the fact. Data Breaches 2006 idtheft.about.com/od/dataandstat1/a/2006_breaches.htm Loan officer steals information from clients www.gazettes.com/identitytheft12212006.html Employers Beware: 50 Percent of all Identity Thefts Reported from Work www.eveningtribune.com/articles/2006/12/30/ara/education_and_careers/733.txt...See MoreFreezing your file w/credit reporting agencies
Comments (21)And how about this to round out your day. Sigh. IMO...the info system is broken...exposing all citizens to risks far beyond what they ever envisioned when they innocently [for example] opened up an account with Sears to buy a new washer/dryer. Can we go back to a cash only way of life? As appealing as that may sound right about now...I doubt it's even a realistic possibility. We've all been too trusting of a system that, obviously, hasn't been well supervised and/or managed. It's time to get back to the nitty-gritty of scrupulously [and religiously] overseeing the management of our own affairs to the extent that we can. We need to take back ownership. https://www.nytimes.com/2017/09/20/business/sec-hacking-attack.html?hpw&rref=business&action=click&pgtype=Homepage&module=well-region&region=bottom-well&WT.nav=bottom-well...See MoreUser
5 years agochisue
5 years ago
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