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I currently have a score around the 650 range, and just got a new car on finance - so that will definitely help my credit. Another thing I was considering was applying for a credit card and using it to pay the monthly bills (cable, electric, etc.), and paying the card off. Currently I make the monthlies with no problem, so I foresee no problem using a card to make a payment then paying the card the same way I would pay the bill if I weren't using the card. Would that be a good way to increase my score?

just yesterday i realized that some had gotten access to my credit card. - or should i say my husband's. this is a credit card that we always kept for emergencies. As it appears someone who we believe was a guest at our new year's party walked out with it and spend 5000 in one month! i called the credit card company - it has been cancelled. but i am not sure what to expect from here on. just the thought of a family member/friend did this is heartbreaking - any comments?

I've been studying responses on the forum for days & it seems like the time span varies between each action taken by a CA. I was served a "Notice of Intent to Arbitrate" in late Jan. Since then I have sent numerous letters to the CA including a DV. Can I expect to hear something positive from these people or will they just go ahead & go to court? Is this something that goes on for a period of months (which would give me time to save some $$) or is it on the downhill slide now?

Hey everyone....go to chat! fins and ks.......this means you!!! :)

I need to consolidate and i dont know where to start

I have a loan for $5000.00 and two credit cards. One is 1800.00 and the other is 1500.00. How can I get help to lower payment amounts and interest rates? Thanks.

how do you know which is the right/best address to send correspondence to? It's a scary thing with all these different PO Boxes and whatnot. I am in the process of getting my letters ready and wonder what addresses have worked for USFast Cash, MyCash Now and Payday Max. Thanks a bunch.

The saga continues. :) The lawyers for CACH, LLC sent me a letter regarding the current judgment on the docket. The letter is the standard, "You may be subject to blah blah blah. Please contact us blah blah blah." In this letter they put an RE: line stating the case name, number and an amount that is $160 MORE THAN THE JUDGMENT ON THE DOCKET! Isn't that illegal somehow? Anyways, the judge is still considering my evidence (amazon.com purchase history) as well as the memo she overlooked opposing the motion on the pleadings. I've noticed activity on the Docket.

Hello, everyone. I have a student loan that has been in default. I have agreed for wage garnishment. My tax return has been taken for two years and this will be the third year. The amount of my loan has not changed and im concerned that my return was not been put toward repayment of the loan. I am financially struggling and have kids to support. I haven't been able to get the earned income credit because it is taken with the return. I've called the ed. dept. and the debt. of treasury for answers but keep getting the run around.

If you are having problems with Westbury Ventures or any of its affiliates please contact me at email address removed as per forum rules - Mike with your story. I am also having difficulties dealing with their insults, threats,cooperation and fraud. I along with another person having the same issues have begun to spread the word to file a Class action lawsuit against them. We just need enough people. Please join us in this fight against Westbury Ventures as my attorney and three other law firms will be handling our cases.