I tried looking up this information on the site by searching but so many posts came up that I thought I would ask the question again... I have an account with Bank of America. They offer a secured credit card that I could open with a security deposit of $300. According to everything I've learned, a current credit account with excellent payment history will help me build my score. I'm wondering if this type of secured account will be benefit since I don't think I would qualify for a regular credit card at this point.

4 years ago I had roto rooter come out to snake our septic lines, I paid the guy right there with a check. Now I have a debt collector saying that we owe this money. Roto rooter never sent a bill....EVER! I can not prove that I paid it since we are no longer with the bank that had our account back then. But I know I paid it. Can they come back now after all this time of never sending a bill? (This doesnt seem right) They are also trying to charge me interest! How do I handle this situation.

Ive read thru some postings you are great!! I am hoping that you can educate me on the law(s) on pdl's for my state - Illinois.

Does anyone know of a good consolidation company that doesn't have high interest rates? I am currently with a company called Beneficial. I have been with them for a year now. When i first started with them i was told that i would have a high interest rate and after 6 months i could get my rate lowered. Well i called to get the rate lowered and now I'm told that i cant get it lowered because I'm not a homeowner with a permanent foundation. I've never been late on a payment in fact it debited from my checking account. If anyone knows of a better company please let me know. Thanks

How do you find out if a pdl is licensed? Do they have to abide by the state laws where their customers reside or the state laws where the company is based?

These quotes I post have gotten me though alot - I am posting them in hopes that it can help someone else too... Though no one can go back in time and make a brand-new start, anyone can start from now and make a brand-new ending - anonymous

Hi, I recently received a letter from a payday lender about taking me to court in Minnehaha County which is in S. Dakota so that they may garnish my wages. How am I supposed to defend myself on something like this? I live in NH and there is no way I'll be able to get to S.Dakota. I'm already broke from my payday loans. How can I fight this? Is there anything I can do? I have already revoked my voluntary wage garnishment. Any help would be great.

Hi All, I have a situation. Palisades Collection, LLC has been contacting me for the last few months about some mystery debt I owe to ATT Wireless. Based on some advice (from this forum) I sent them a letter to verify my debt. A few weeks after that letter they removed their entry from my CR. A few months later they sent me a bunch of papers that look like a bill from ATT and I now see a new entry on my credit report for a derogatory acct.

Well here it is Friday and I am thinking about the weekend. Of course it is a low budget weekend because I get paid every other week and this is not an other week. When I first came to Florida it was the dead of winter in New Jersey. I will never forget my first weekend here when we took the short drive to the beach. We parked the car in Clearwater Beach and walked toward the sand. The first thing I thought was, “where do you pay?” It was free. The whole beach was white as snow and seemingly endless with only a few people walking on it and a few sunbathers and it was free.

I have student loans as well as a parent plus loan thatmy parent took out to help pay for my schooling. I have taken full responsibility for these loans because they are my debt. I was wandering is any way that I can consolidate these loans into one payment.