Archive for December, 2008
I have atrocious credit. 2 defaults, various revolving accounts, and numerous collections that have made their way onto the report. I also don't have a co-sign. For the better part of the last 3 years I had recurring, misdiagnosed conditions that prevented me from working steady.
I want to fly helicopters, but the cost of school is so that it would be faster to pay off debt and get a loan to complete training (leg > commercial pilot), than it would be to save money and pay out of pocket. It's also maybe the right thing to do. I know items stay on the report for ~7 years, but, even with bad history, if you don't actually owe anyone anymore I would have a better chance I would assume.
Even if it's not helicopters, I need to finish school. I have 70 hours and lack 8hours for an associates in aviation science (air traffic control), but I haven't been able to get a job in the field. So instead of "finishing" school I should say I need to go back and get some other type of training.
one or two classes? where did you study? At Thomas edison state 8 hours is 8 classes, roughly $1100 just to register.
I did know about the fafsa already, I couldn't submit it because of tax information and vet status problems. Working to fix it.
Your best bet may be to file bankruptcy. The law now was "suppose" to make it harder for persons to file but it really didn't. You have to not be working full time to file. Anyway, in regards to school; you need to fill out something called a FAFSA @ FAFSA.gov. No one is turned down for financial aid through the federal system ( I think you may have to go to an accredited school). You will be given loans, grants,fellowships etc. Your credit isn't check and it is not a factor, only your assets haave a bearing on the amount of aid you will receive. Your credit is only a factor for personal loans via a bank or loans you apply for individually through a school. Also see if there are any scholarships out there for you via the Department of Education Hope this helps.
I know a couple of people who have HORRIBLE credit, to were their credit scores are below 450. They are getting lein on accounts and creditors calling. One particular person has tried credit counseling and it did not work. How can you repair bad credit without declaring bankruptcy.
Only by paying your debts.
What are the best ways to start a credit repair business?
My friend has recently started a credit repair business and he is doing great in that. You also can start your own credit repair business by visiting http://www.credit4profits.com/
I heard from a couple of people that i can pay someone to delete things from my credit beaureu. I would be interested in doing this, however would like to do it myself if possible, and not have to pay someone to do it for me. Thanks for the help!
Those places are scams. They charge a fee and keep contesting debts in your file. The idea is that if a creditor does not reply to their argument that the report of debt is not valid, the credit reporting agency is required to delete it from your report. There are two problems with this, first, you can contest reports of debts on your own, for free, second, most creditors are going to respond, so even if a few don't respond, most will, so the money you spent would be better spent paying off a debt.
If anyone is able to go into you file and delete portions of it, it is likely illegal and if you get caught, you will not only have bad credit, but also a record.
Best advice, work out payment plans (on your own) with your creditors. It might take a few years, but you if you pay them as agreed, you will credit rating will improve. (And pay any current debts on time while you are doing that).
This video dispels some of the some of the myths surrounds bad credit repair
Duration : 0:7:27
TV Host Denise Marek discusses “Credit and Credit Repair” with author Mike Morley. Life by Design: Courtesy of Dan Carter Productions
Duration : 0:6:59
http://creditleaper.com
This is a video that shows a little known tactic on credit repair
Duration : 0:9:5
PrivatePiggyBank.com
Clean up your Credit. Get an Auto Loan, Bad Credit no problem.
Military heroes get personal loans. Trying to buy a house? Work with credit repair counselors to clean up and boost your current credit scores.Credit repair is easy when you know how your credit file works and is used against you.
Duration : 0:0:48
Pocket Duct , an excellent unique Christmas gift, will help you with your emergency repairs. You can fix anything with it, including your camping gear. A roll’s too big to fit easily in your tool box, let alone your wallet — or your pocket — so that’s why we’ve created Pocket Duct. Just enough to temporarily stop a leak, hang up a sign, or bundle some pipes, Pocket Duct fits easily anywhere. We can imagine a million uses for Pocket Duct, but it’s not for the reasons we can think of: it’s for all the reasons we can’t. Designed to be the most convenient duct tape on the market, the 2″ X 18″ strip of industrial strength tape is sized to fit like a credit card. The sealed package keeps the tape dry and fresh until use. It even has a removable backing (like an adhesive bandage) that gives the user total control of the fix — no more of the dreaded WAD! Pocket Duct is available for custom designed promotional programs. We can place your company logo on the front of the package and add any custom message making it perfect as a promotional item at trade shows, a giveaway to new corporate clients, or as a way to promote a new advertising campaign. 2″ X 18″ strip of industrial strength tape
This sterling silver Toggle Bracelet is a casually elegant way to show off your Lucy Ann pendant or charm. The Bracelet is 8″ long and has the Lucy Ann logo stamped on the toggle closure. A 7.5″ long version is also available. You can have Lucy Ann attach your Pendant or 3D Charm to your Bracelet or have your local jeweler do it to complete your lifetime keepsake. Your Toggle Bracelet is made from top quality US manufactured sterling, is extensively tumbled, polished, cleaned, and steamed. Your order will take 3-4 weeks to be produced. Ordering Instructions: This item is not engravable. If youre also ordering a Pendant or 3D Charm, Lucy Ann can attach it to the bracelet for only $3.00 or you can have your local jeweler do it. If you want Lucy Ann to do it, select “yes” for the Attach to Bracelet option when you select your Pendant/3D Charm. The default attachment location is 1/4 turn from the toggle connection. If you want a different location, let us know in the Comments field when you check out. Please allow 2-3 weeks for production (3-4 weeks during peak periods). If your special occasion is sooner, we can immediately send a Lucy Ann card that says a gift is being specially created for her/him (if so, please tell us this in the Comments field when you check out). Since this is a personalized order, your credit card will be charged up front, not upon shipping.
