3 yrs. ago I got out of an abusive relationship, I went to therapy,so I wouldn’t end up with another loser.I was doing fine,I worked fulltime,I received no welfare,had my credit built back up,bought new car. Then I met this man well my cousin asked me to meet him. I really didn’t want to but I did. We started dating he moved in. He hardly ever worked,his field of work was slow (carpet installer).He drunk alot and complained about everything,controlling. He would call me at work and accuse me I things,ask me to buy him beer and ciggs. If I told him I didn’t have the money he would hang-up on me so I would overdraft my account.Well heres the really awful part. His mom has taken care of her stepdad for 3 yrs,she had a lawsuit out against federal gov. because her stepdad recevied vaccine and got GBS it put him in wheel chair. Ok my ex sits around all the time(brainwashing me0 we are fixing to be rich we can open a bussiness. Well I couldn’t get any sleep,or I would go to work upset all the time so I quit. The money was susposed to be here in a few months. The money didn’t get here till 1 yr. later. Well he moved back in with his mommy(40 yr old man). They finally got the money 0,000.00 thats not alot,If you manage it right (they like to gamble and hes a drunk). His mother only gave the old man 50,000.00 and kept the rest. She gave me a job watching the old man and was paying me cash. Well my ex kept threarting me with getting me fired which his mom didn’t want me around her stepdad she’s afraid I would tell him how much he really got.One weekend I got to stay with him because she and my ex were going to the Casino she made it very clear for me to him that They were going to visit her son. They were so sneaky about everything .They had his mail changed to a p.o. box so he wouldn’t see the check. Well I got to work for a little while. My ex finally got me fired because I wouldn’t spend the weekend with him. We still talk he has a new car,all new furn,appliances,clothes. I guess his moms already spent ,000.00 on him. I’m without a job,3 kids,,000.00 behind in rent,my tires have wires popping out of them and he’s drinking every night blowing$ 200.00 on slot machines,lottery,out to eat etc…. He tells me he will help me but I can’t stand to be around him drinking or not drinking. I hate him and his witch mom, she set me up with him knowing hes an abusive drunk and a thief. I just found out (he told me ) she’s cashing in 5 yrs annuity payment on her stepdad. It’s 6,000.00 I saw it on her e-mail. She only has ,000.00 left out of 0,000.00. She bought her a new car,paid few bills and gave her 2 other kids about ,000.00 each and her other son(my ex) close to ,000.00 and she just put more in the bank for him. She hates me she told him I was a user and she would cut him off if he didn’t stay away from me. I’m a user, lets see he lived with me for rent free, free beer,ciggs,food I bought everyday. I paid my credit cards off and he talked me into running them back up he told me he would pay them off when his mom gave him his share of money. Never happened!!! I’m still talking to him. He busted into my house while I was sleeping, he was so drunk. I let him stay I did something bad I took 0.00 out of his wallet (paid some bills). I really feel bad. I know everything that his moms doing, it’s wrong and I want her to pay for setting me up with her loser son. I have so much I could write about all of this. She sells pills ,still getting benifits,lies.She reads her bible everynight. She’s the devil!!!! I’m trying to figure out something,The old man has other kids,their all pillheads and drunks except for one, a son that goes to church works 3 jobs. I thinking about getting my hand on all the e-mails from the lawyer. I don’t know. Part of me just wants to sit back and watch it all come an end, you heard that saying you reap what you sow!!!!

I feel quite guilty and get a lot of buyer’s remorse after I buy items for myself or non-necessary items. I don’t know why.

I do not have a shopping problem. I like buying essentials that we get use out of. But when it comes to non-100% essential items; I think about it too much – whether or not I should buy it – to the point where it bothers me. Afterwards, I feel guilty for spending money on something we didn’t truly ‘need’.

I have Microsoft Money installed, always have been good with budgeting and finance, and I keep monthly tabs on how much we’re spending: groceries, household, gifts to ourselves, pet, baby, etc etc…

2 Examples: I bought slipcovers to protect our sofas (did need) and they turned out to be a true hassle. I should have kept the packaging and returned in time but I didn’t. I feel bad about that.

Then last night, I bought a quilt and shams because I’ve been wanting a quilt for a while, when we already have a lot of bedding, none of quilt-related though. My husband said buy it, he wanted to get me something for mother’s day beyond the toy he got me. I almost put it back and didn’t buy it, but I didn’t want to make a big deal about it in front of hubby, and it was pretty. It cost or so last night. Then I think the $ could have gone for baby’s birthday toys or fixing something on the house instead of for me and the bed.

Why can’t I just feel okay about it and things like this? I constantly think about it and whether or not it’s okay to keep…it takes the joy out of things. I feel nervous about it too.

We don’t have any financial problems, no credit card debt and we have a savings. So why do I get so guilty? Any help/suggestions on how to deal w/this? Thank you!
If it matters, I forgot to mention that only my husband works. I take care of my 10-month old son during the day, alone. So technically he earns all the $.

I pay all for all our living expensives and save for retirement pay for all our health care and co-pays including all insurances cost, homeowners car ect. He used my credit card to pay for job material and never kept track to make sure he was paying me back. He use to walk the dog in the AM now he meets his son for coffee and follows him to his mothers house so his son doesn’t have to drive the eight miles to the job site. I brought a ipod to share with him than his son helped him buy a sony mp3 player (he siad it was because 8 years agao he had to money but I won’t buy him one) so we don’t have to share the ipod but now he wants to use my CD’s to bulid his libary and I got up tight about it because he loads out my netflix cd’s to his son and looses them in the house and I have to ask where the movies are and look for them or tell netflix I sent them back. So I’m feeling like my husband of 25 years is walking all over me, I thought if I paid for everthing he would have the extra money to put into fixing up our house. Last Christmas he didn’t buy me a present because I asked for the money he borrowed to be paid back so he didn’t have the money nor did he tell he just waited until Christmas day. We spent one day together camping this summer and his son came with his girlfrind we had one day together Monday. I feel like I come last in his life and if I said or act out he saids he doesn’t like being around me. He only like me when I have no expectations of his time or money so that he can do what he wants when he wants with whoever he wants to do stuff with. I feel as though at 50 that either I put up with him or I’ll be a loney bitter women. I want to be proud of how well a man treats me and I want to be with a person who pays back the dentist who saves his teeth or the physical therapist who try to help . I would want to pay the person who paid for my truck insurance so I can work. I want a man who has a driver licenses and that can have a truck or car in his name. I feel so bad and don’t know what to do? My husband doesn’t see anything wrong, it’s my behave that needs to change. I guess I should be happy I have to money to fix up stangers homes..it’s hard to swallow.

Me and my Girlrfriend have lived together for over 3 years. I want to get married because I love her very much, but I have terrible debt, and tax issues. She has great credit and no tax problems.
I already proposed and she said yes. but I am worried about my financial problems.
Is there a way to get married without the government being involved? And is there a way for her to take my last name with only a church marriage?
She is fine with this if it is possible.

Also, if we did get legally married, would my current tax problems and debt affect her? And if we wanted to buy a house or car together would we be able to, with my really bad credit?

I currently can’t even get a rental apartment or car insurance because my credit is so bad. But we are in love and she is willing to overlook my past poor financial decisions. I am currently fixing my financial problems, but don’t want to wait 7 years to get married.

OK – 6 Months ago, I had a net worth of 300,000. I am in a full-time graduate program, I have 45,000 in Credit Card debt (yes, scary huh), a house in Indianapolis that I can’t sell, I have two rental properties, one paid for. I now also have school debt (probably 30k). I have a 401k account and some stock which I intended to sell as I needed to to manage cash flow until I return to work in May of 2009.
Now, the stock is not worth much (10k), I thought about cashing in my 401k but also it is not worth much (55k), Credit Card companies are cutting back my credit, not a bad thing, but one less way to flow cash. My plan was for the house to sell and pay off my credit card debt. Not gonna happen it looks like. My house is in Indiana and I am in Florida. My question is do I sell everything I can just to pay off the credirentrd debt, and I was going to rent the house, but it’s flawless and I know tenants will tear it up, and at the very least I’ll be stuck painting it. Should I try to file bankruptcy? I am not behind on anything, but as you can see it won’t be long.
So I’ll have an advanced degree in May and probably no job and no credit. I am technically on a leave, but no gaurantee I’ll have a job. I really didn’t expect the economy to implode, but that’s the way it goes.
I thought about cashing in the 401k, taxes and all, just to pay off the card debt. But, then I’d be starting over. If only I had known in July, I would have sold out my stock completely. Now it’s down 60%, and would only be a band aid.
Besides telling me how stupid I am, what shoud I do? Will the markets recover to any degree before 2009? Unfortunately, I can’t wait a year to wait see.
Oh, incidentally, I spent approximately 20% of my ccard debt fixing up the house to sell.
I am prepared to be poor and starting over. I am still frustrated and probably need to hire a professional, but I can’t afford one.
I have real estate assets, but noone can get a loan to buy unless your credit score is perfect.

Any thoughts?

I set up 3 payments to a credit card company and the last payment came out of my checking account Oct. 1. I then recieved a letter from a collection company saying I owed them on this debt. They said they recieved the account from the original creditor on Oct. 23, 22 days after I paid the account in full. Now I have another mark on my credit from the collection company. I can not get the credit card company to give me a strait answer on why this happened or how they are going to fix it. They keep saying they will let a supervisor review my account and they will call me back, 4 times they have said this. Then today they tell me that another collection company, NCO Financial is handling the account……lol I dont know what to do. Can anyone help me and advise me how to get this fixed. I am so frustrated and I am planning on buying a house this summer and I dont want another bad thing on my credit! Thanks

my self How do I get the money to buy these properties and fix them up. I have bad credit so a banks not gonna do it. I know I can just save the money I make from selling houses as an agent but what if I wanted to get started now?

We were supposed to buy a house from my parents. My wife and I don’t have great credit and in the course of three years we were to rent the house and straighten out our credit so that we can then try and qualify for a mortage. This house was in a very bad state and needed alot of tlc. They agreed and opened up a credit line with home depot that allowed us to fix up the place. My wife was put down as an authorized user on the card. Nothing extravagant at all was done to the house, just true tlc. Well, due to family issues (jealousy from a sibling that was able to manipulate them into hating us, please trust me when I say that it’s chaotic and extreme how sad this person is and is willing to go to ruin people) they now want us out of the house but want us to still pay the card off and are threatening legal action.

I don’t think we’re obligated to pay the card since we’re not going to be living here (currently looking for a place) and we never got as far as owning the house. Everything charged on the card went to the house. They still own it, all of the credit cards purchases went solely to the house and we’re being kicked out and never bought it. But because my wife was the authorized user and made the purchases, are we legally obligated to pay it still?
Thank you so much. Everything I said is the truth. We’re emotionally drained and just feel like on the verge of a mental breakdown. We’re losing money as well, we put our own out of pocket earnings into the house as well.

I never knew my family member could be so evil just because their life is pathetic because they want everything for free and don’t know the true meaning of earning things.

So I’ve searched google and resolved questions and I can’t find the answer I’m looking for.

Long story short: My husband and I inquired about buying a home and the lady (realtor) that did the credit check and such said that we would have better luck buying a home sold by the owner. She said my husbands credit is "fair" and is 10 points below what it needs to be for her to assist us. I already know my credit wont help. It will take another year for it to be where I want it. We don’t have any current "dings" It is all old stuff that we accumulated separately before we were married and we are working on fixing it now.

I found a house that’s a for sale by owner that is in our price range. She told me that I would work with my bank and they would help me take care of all of the financial stuff. The thing is we have already been told by one person that our credit is too low, but to go with a for sale by owner. How is this going to work with bad credit? It doesn’t make sense to me.

She (the realtor from b4) also told us that based on our income and bills that we were approved for 200k. We are actually looking for anything under 140k. The house we are looking into buying now is 130k.

Should we wait another year until our credit is perfect or will we be able to get this home that’s for sale by owner? I don’t have a problem with waiting, but if we can get into a house now I’d rather stop paying my landlord 00 a month for a little ass apartment when I can be in my own home with a pool for around the same amount.
we would also be using the VA loan

Her credit is not the best, maybe just under bad. She has a good work history, good rental history, good income. How can I get her pointed in the right direction. She applied to a mortgage place a few months ago and they just sent her her credit report. Well I didn’t think that was a good sign. So she got online and fixed a couple of things. What can she do? She got a realator and he just emailed her so much, but made no steps or suggestions to get her pre approved. What does a person do?
Thank you for your time, I know this is not a quick one!
G

ok i have a few bad things on my credit. i was 18 when it all started and i am now almost 25.

i have a repo on my account that was 13000 and is now currently at 5500. but the last yr i have been tight on cash and havent paid anything on it so this past may it was closed and sent to a collections agency.
Theres now a potentially negitive closed on the repo account an im sure the collection agency is going to put up a report on it. i am making payments on it.

can i have GMAC remove there potentially neg close off the report since they sold it?

Also I have 3 credit cards on this report that 2 are paid off in full and one is still in collections.
I have a capital one account thats says "current closed" balance of zero and thats the same for the discover card.. they have a gray check mark next to the names. date opend (4/1/02)

what does "Current Closed" mean? is that a positive closed? i did pay them in full and the balance says nothing… not even a 0. but does say credit card- revolving terms.. if this is bad how do i fix this? is as old as 2002 and i wont have any type of comfirmation on payment unless the companies say i paid.
And the 3rd card is a chase that says "Unknown" and "credit card-revolving terms"(8/1/02)
Can i have this legally removed?
An theres a First USA Bank that says potentially neg closed. which i believe its the chase account that was sold to the bank or collection agency.

basically my main questions are.

1. can i have the potentially negative closed accounts gone if they where sold to a collections agency legally?

2. can i have the unknown chase account removed if it was sold to the first usa bank?

3. and can i have the current closed credit card accounts removed?

4. will paying off the first usa bank closed account (12/1/05). make it turn current an lower my score even more? am i better off just letting it disappear?

what can i do to get these off my report?

im trying to buy a house and i make enough money to pay even a 10 percent interest on a house loan but my credit score of 548 wont even get me a loan.

i have to pay the repo cause the collection angency will open a fresh hit on my report. so im sure the 548 will be much lower in a month or less.

any help with this would be great

I want to own a house so bad that I just can’t even explain it. I’ve been researching online and there are all types of breaks and deals and programs for people who get government assistance to buy a home.When I was 18, I got a credit card..very, very bad idea..my husband was in a wreck before we got together and his insurance didn’t pay for it because he wasn’t driving.We were young and stupid and so I ordered our credit reports in aug’06..OMG so I came up with a plan to devote a certain amount of money every month to fixing our credit and paying off our debts. Next month we will only have 2 people to pay off which is much better than the 14 we started out with.My credit score alone went up 40 points in 6 months and yet we still can’t get a loan all because of one that we still owe on..apparently it has to be paid off for at least 12 months before we can get it..how does that work? It seems like people who work their asses off sit still while those who do nothing get ahead

My daughter and son-in-law and two small children moved to the US from Italy and have been living with my husband and me for the past 7 months. They want to buy a house, have ,000 in cash to put down and I recently took out a second mortgage (fixed 15 year 6% home equity loan) for 0,000 to loan to them interest free so they can buy a house with cash for 5,000. But my husband and others are telling me it may get complicated with the IRS, etc.

We planned to have papers drawn up, like a promissory note, saying that they would make the monthly payments on the 0,000 loan that is under my name. And if they should die or move before the loan is paid off, the money from the sale of the house would go to pay off the 0,000 loan. Do I need to charge interest for them? They are actually going to be paying off the loan that is under my name and already has 6% interest being paid. Is the fact that it is over 0,000 going to be a problem with the IRS and interest-free loan’s to family? It’s not a gift because they are paying it off.

It’s all very confusing and I don’t want to get stuck with a big gift tax or imaginary interest tax or worse yet, get in trouble. Do I need a lawyer or can we just get a Quicken Lawyer software Promissory note and be okay? I trust my daughter and son-in-law to pay this loan that’s in my name. It’s just been hard for them to get a loan right now because of the requirements for 2 years residency, 2 years at one job and 2 years credit in US. Price of houses are down and I want them to be able to buy one now.

Bankruptcy cleared in Feb’09. Told bank to take it, they didn’t now it is going to auction. They want me to do a short sale, we moved 4 hrs away from where my house is, It flooded in June.06, so bad that we completely gutted and took of the siding on the house. We bought it in June’05. Have a 80/20 mortgages on it.
I have told the bank that has the 80% mortgage since Aug of ‘06 to take the house. Husband lost his job in May’06. We havent lived in the house since June’06 no money to fix and repair flood damage.
Can they go after us for the house? Will this hurt our credit more?

My wife & I are trying to buy a foreclosure and want to fix it up. We both have bad credit, so we coudln’t get a house on our own even though I make enough money to get the mortgage. I am fixing my credit, but it won’t be fixed in time in the next 2 months to get a house. We found a co-signer, but the mortgage broker said we can’t have that because our credit isn’t high enough. So, my dad is taking out the mortgage and we are told we should get an FHA 203K loan and then he is going to do a quick deed right after, so I become the owner of the house. The mortgage broker said it is hard to get this type of loan these days and the real estate guy said it’s not. I had some questions if anyone has personal knowledge or experience with this stuff.
1. Will I qualify for the tax credit because I am doing a quick deed after or not?
2. Someone said there is a limit of ,000 for repairs on a home with an FHA 203K loan, so if I buy the house for ,000 and my mortgage was for ,000 do I have to spend every penny on repairs? If there is extra, can I keep it until something goes wrong like a basement leak or the furnace breaks?
3. I was also told that you have to get in writing from a licensed contractor for the repairs etc., but they have to be willing to be delayed in payment? How is this so because I thought after you get the mortgage, you get a check and you pay the contractor?
4. The taxes on this house are very high, and people said to appeal to the city, but I heard this usually doesn’t mean they will lower the taxes. Why don’t they make the property tax off the price you pay and what are the chances they will lower my taxes? Thank you to anyone who can help on this subject matter.
Ok, maybe I am confused about the deed thing. The real estate agent said that if he signs the deed over to me, I will be the owner of the house, he would just be responsible for the mortgage. Obviously, I would pay the bank or pay him every month, but according to below, this can’t happen? My real estate agent must be confused.

I borrowed ,000.00 5 years ago to go to college. I paid it off for like a year then I couldnt afford it anymore with all the interest. They got me for 15% its ridiculous and I cant consolidate because my credit is now 560 because of this.

The collection agency says after all the penalties and interet I now owe ,000.00 its unbelievable. They are going to take me to court if I dont pay. Im sure they will win. I want to negotiate the debt but is it possible to negotiate with them to remove all the bad credit off my credit report. I want to fix my credit to buy a house. Plus do they have the power to remove the bad credit from the original lender?? The collection agency is owned by the original creditor as well. Theyre making all the money. How should I negotaite this best?

I never even thought about buying a house because I have bad credit. I am fixing it at the moment, but it’s taking time. My friends tell me I could get a loan for a house anyway. Is this true?

How can I start to process the bankruptcy?

Ok, this is starting to get rather confusing. I am looking to buy a home in a surprisingly cheap neighborhood. The house I am interested in purchasing is under ,000. My credit qualifies me for a bad credit loan, but no one wants to finance for such a small amount. I am definately trying to live within my means and do not necessarily want to purchase a higher value home just because I can. Does anyone have any idea where I can finance such a house even though my credit is tarnished (but getting fixed due to multiple discrepencies)? I know there are different requirements depending on the state. My state is PA, and I am first time homebuyer.

Okay, I know that buying a home is a great idea. But I have some questions concerning it. Here is my scenerio: My husband and I live in the Houston, Texas area. Our lease is up in a month and a half. We really want to move at that time into a place that has at least two bedrooms and a garage (apartment or house). We really want to buy a home BUT, at this time we can’t afford the home we want. Our annual income is approximately 50,000.00, and our fixed monthly expenses before rent are approximately 1081.00. I have a lot of bad credit, including outstanding and charged off debt. My husband has fairly good credit, probably in the high 600s.
What I want to know is: Is it even worth trying to get a home? If so should we try to buy new or used? And, if we buy one and we want to sell it in a few years is that really a good idea? Also, we aren’t exactly in the positiong to do major repairs on a house, will that effect us? People keep saying to buy a house, are they right?

if im not planning any big purchases, what does it matter over the next 7 years?

My house is WAY underwater, and as someone who did everything responsible: fixed rate, down payment, etc, my mortgage company is refusing to work with me at all on my negative equity situation.

i only approved them to run my credit once and they ran it 7 time i got a bad interest rate because she then came back and told me that she couldnt do the loan so i spent over 5000 dollars to fix my credit to get a loan the next month throw my new mortgage company what can i do?

I have good credit but only make ,000/yr. My husband has bad credit but makes 0,000/yr. We are trying to get things cleaned up but I know we won’t have the money to fix it all before our lease is up in March and we HAVE to move. Can we buy a house under my name listing his income with mine or is all essentially the same credit? We’ve only been married for a year. Is there anything we can do to buy or are we stuck renting for a few more years?

within the last few years i managed to fix all my bad credit enough to get a house. i bought it but one day about 9 months ago some kid came to my door selling press telegram subscriptions. i decided to buy one for six months. he told me that after six months i could renew it and if i didnt they would stop sending it to me. so six months later i stopped getting it. they sent me a letter telling me to renew it but i didnt want to so i ignored it. now just today i got a letter from a collection agency saying that i owe and i havent paid. i didnt know press telegram didnt cancel my subscription they stopped sending me papers. its not what i was told and now i may gett a bad mark on my credit. what can i do to fix this mess, i cant afford any negative marks on my credit right now.
i dont care about the but i want to know if itll scar my credit.

I want to fix my credit fast, because my husband and I want to buy a new house in about 6 months. There a lost of credit repair companies out there. They say that they can remove bad hits on your credit report.

Has this worked for anyone? If so, which company? How much did you have to pay them? How much did your credit score increase? How long did it take?

Thanks a bunch!