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what is the best way for me to proceed

Date: Tue, 07/06/2010 - 21:23

Submitted by anonymous
on Tue, 07/06/2010 - 21:23

Posts: 202330 Credits: [Donate]

Total Replies: 3


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. Yesterday one fo the cards sent me a letter saying they were closing my card because my 2 card's balances were high. What do I do? I'm not certain how I'm going to pay my bills now. Which option will help me with my credit? Doing it on my own is no longer an option as I was too close as it was every month. Should I contact the company's and ask them to lower my rates?


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Quote:

Originally Posted by Anonymous
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. Yesterday one fo the cards sent me a letter saying they were closing my card because my 2 card's balances were high. What do I do? I'm not certain how I'm going to pay my bills now. Which option will help me with my credit? Doing it on my own is no longer an option as I was too close as it was every month. Should I contact the company's and ask them to lower my rates?


lrhall41

Submitted by on Tue, 07/06/2010 - 22:18

( Posts: | Credits: )


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lrhall41

Submitted by Jason on Wed, 07/07/2010 - 00:19

( Posts: 2430 | Credits: )


Hi Ddtd,

You need to send a hardship letter to the creditors, explaining your situation. Send the letter through certified mail, requesting a return receipt. The creditors may consider your request if you have a good payment history. Can you tell whether or not you have already defaulted on your payments?

Thanks


lrhall41

Submitted by lisawhite9 on Wed, 07/07/2010 - 00:22

( Posts: 91 | Credits: )