As you know, bad debt is often a result of poor money management and bad judgment. Consolidation is definitely a big help, but it is akin to treating a symptom and not the disease (i.e. poor money management). Perhaps the respect members can share some tips on what to do after consolidating one's debt to to avoid falling into debt again.

hi, i need to get grad plus loans for medical school. they require no adverse history. my score is above 700 and i have several lines of credit and cc which i always paid on time, but: on experian i have a 143$ unpaid debt from 2005 on transunion a 500$ unpaid debt from 2006 nothing neg on equifax no, i tried many many times (registered mail communication) last year to settle these account but the both debt owners just ignore me. i need to get rid of them to get the lons. what could i do?

The word is that Mark Cella of FDRS debt termination infamy is now the shadow owner of telemarketing scam Wag The Dog Marketing or Top-Dog. org. If you were ripped off by Mark Cell and FDRS his new scam company is Wag The Dog Marketing.

Hi, I am currently thinking of going with Destination Debt or Langhorne Debt Solutions to solve my payday loan problem. I currently have $3300 in payday loans, and close to $900+ fees coming out twice a month, this is killing me. I'm hoping someone here can help me with some direction on this?

Hi Here's your QOM payment snapshot Mike. Have a nice time. :) Jason

I live in the state of washington.

Hi, My friends Seth has two credit card & HSBC credit card is one of those. In last month he has purchased iphone 4 by credit card which is the out of his budget. Now, he can't make full payment on time & creditors has charged 200$ as late fee. I would like to know, there is any way to avoid late fees now or reduce amount of late fees. If you know any idea Please share with me. Thanks. Chandrashekhar:hug:

United cash loan lended 150 dlrs and withdrawing 40 dlrs from my account every month. I am disabled and have very little fix income. This month they took out 90 dlrs. I don't know how to solve this issue. Can you pls help me. Thanks Ejaz [EMAIL="Nejlodhi786@hotmail.com"] [/EMAIL]

My credit score is currantly between 741 and 770 depending upon bureau. I had a significan drop in pay( am hourly) a devistating injury which limited my work and had to supplement my income through paying my bills on my cards, and toxic fumes in my house that I was trying to locate and fix (turns out to be 3 sources) as it affected my health. My cards were almost to their limit yet I never made a late payment and mostly paid more. I was trying to keep my credit so I could refinance prior to my mortgage increasing in 2013.

I have an account with Chase that is listed on my credit report as being charged off in March 2008. However, all previous months on the credit report are listed as current. I have bank statements that prove payments were made as well. How can an account be listed as a charge-off with no reported late payments??? What is the best way to go about getting this removed from my credit report? Also, just curious: how late do payments have be prior to being counted as a charge-off?