I'm unemployed now, when I get a job how does the creditor know I'm working. I do not want my paycheck garnished.

Is "rapid rescoring" a legitimate service. I'm looking at needing to raise my score by 10 points so we can buy a new house. Our credit scores are high due to maxed out cards. I have the money to pay them down, leaving only 25% of the limit as open. Of course I would love to see the results right away so we can go forward with the financing. I've seen many sites stating that rapid rescoring is an option...is this true, scam...too good to be true??? Thanks

Here's my story. Recently I had agreed with Citicards on a settlement of 30% of my balance. That is paid, the remainder was written off. Now Bank of America wants to settle with me on a credit card. They would like me to pay 40% of the balance. My question is, does having 2 settlements on your credit score hurt twice as much or since I've already did it once that it won't hurt much more? This is the last of my debt, just had the 2 cards. Citicards balance was extremely high whereas the BofA balance is under $10k.

What is the highest amount that a debt consolidation loan can be?

Do you consolidate school loans?

I used my boyfriends address in Delaware (I was staying there at the time) but still resided in PA, never changed my address, is this still considered a PA resident loan?

After I went rounds with them once about the fact that the person they were trying to reach did not have this phone number, they insisted on my SOCIAL SECURITY NUMBER, BIRTHDATE and ADDRESS to prove who I was. I refused, they hung up. Now they call me on the average of 4-5 times per day from all different numbers and leaving my really nasty voicemails that borderline on threatening.

Can a out of state loan company? Tell your business to your employer and get away with. Do i still have to pay them? Isn't it a law against that.

This is my first message here, I'm starting my process to settle my 11 credit cards with ~$97K... Long way to go I guess. :???: I have 2 CCs with BoA and my checking account, the question is if I should close the checking account before running too late behind on payments? Any suggestions will be greatly appreciated. Leonardo

Hi yall, After many years of marriage I have discovered that my wife has been running up my CC bills and of course hiding this fact. She did the bills and my checkbook was full of fraudulent numbers too. I understand that I have the obligation to pay them but after making several months payments I have decided to pay off the smaller card (about 5k) and to default on the larger debt (37k). I live in Texas so as I understand it about the only things they can do is to seize my bank account and put a lien on any property.