Is it mandatory to create an escrow account when taking out a home loan?

Will a creditor agree to update credit report as "Paid" if I opt for settlement? Is there any way to convince the creditor?

How can I get an undue hardship exemption?

Can I stop direct deposit to my bank of America account?? I have a overdraft and don't want to have my first paycheck deposited since I need money into my pocket..

I have heard about different budgeting strategies. I want to know which is the most effective? Will I start with 50-20-30 or envelope budgeting?

I have two payday loans Spot loans and Big PIcture loans. I live in maine and have paid more than the Principle on both loans. Does anyone have experience with these companies and how they react to stopping payment and sending a letter stating that according to state law their loan is illegal?

How much do I have to pay to get FICO credit score and Experian credit score?

If I miss or don't go to the Chapter 7 bankruptcy meeting of creditors, does the judge automatically dismiss the case?

My friend Lisa is going to take out a mortgage loan but she has a collection in her credit report. The SOL period has expired on that debt. So, can it be removed from the credit report? What steps she needs to take.

I have come to know that each financial institution has its favorite credit bureau to report financial transactions. So, will they keep my request if I ask them to report my transactions to a particular or all of the major 3 bureaus? Can I do anything if they don't agree?