I need some advice. I have about 12,000 in collections on my credit bureau. I field BK in 1998 and don't really want to do that again. I decided to use my income tax money to help pay this stuff off, hoping to get some great settlements. I sent out letters two months ago and recieved two replys back. Today I called all of my creditors and tried to work with them. I have one more paid as of today and the others are not accepting what I have available for them.

Can someone please tell me if it would be smarter to pay off accounts in full that have had past due payments made in the past OR now the payment history is good with these accounts to continue to make payments monthly. I want to know if my FICO score will raise if I pay in full these credit cards off? I thought I once heard that having credit is good to have with recurring payments monthly? thanks

I just need to rant about this. Gas prices are kind of off topic, yet not off topic because most of us are teetering on a financial edge as we try to get away from the PDL vultures. ARRRRGGGGGGHHHHHHH! Gas at my closest station went up *21 cents* today. This brings the total change in price over the last month to $1.08 a gallon; the price here is now $3.07 in suburbs of Norfolk, VA. That is just outrageous. I know there are all kinds of reasons and excuses, but that doesn't make it hurt less financially. Ok, rant over. :) Dana

Today I found a note on my door,from a woman who said she used to live across the street. She said that a woman from GC Services got the phone number through the internet. She wanted her to contact me, regarding an urgent matter. She left me the womans name number and a reference letter. Is this legal? I feel violated!

hi. i found your site by mistake, though has been very interesting. my question is, i have a cc debt in australia, but live here now. can your debt consolidation people help with this?

Can someone please advise me what may help my raise my FICO score and look better on my credit reports? I am in the process of settling some credit card accounts and am also in the position to pay off a few credit cards completely. If I pay off a few of the credit card accounts in full that have some negative payment history on them and bring the balance to zero would that hurt my credit?

I am looking for contact infor for: Ambassador and Edollars Direct. Any clues? I have looked through the threads here.

Hello again everyone!! I keep reading everyone on here talking about T&C....debt consolidation, right? Everyone has bosted about how awesome this company is to deal with. Are they only working in certain areas or can any get in touch with them? I have been in contact and have even had a few appointments with some companies in my area, and they all charge me an arm and a leg to get the ball rolling. I am trying to get out of debt, not get further in.

What do you do when uou see something on your credit report that you know nothing about and you try to contact the company but they are out of business? I believe me XXXXXXXXXXXX went and got some furniture in OUR name when I left him. He had it bad going around getting things in our name as we were married and we were not. On my credit report is shows open account sold to another???? or something like that. Does this mean that it was paid or what? The furniture company has been out of business.

Hi everyone!! I have some points saved up and I just don't know how you go about using them and what exactly they are for? Any help will be greatly appreciated! Thank you.