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Thursday, May 19, 2022   
 
Articles about "Question and Answer"
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Behind in Credit Card Bills Behind in Credit Card Bills
by Gary Foreman
Dear Gary, My husband and I have one credit card debt to the tune of about $3500. I cancelled the account so we can't charge any more....
 
Canceling A Credit Card Canceling A Credit Card
by Gary Foreman
My credit card is the worst and I was curious as to whether I need to cancel it or not. We never use it, so is it really necessary to cancel it? What exactly happens when you close an account? Is it a strike on your credit history to cancel a credit card? Is the only benefit of canceling a card the certainty of not using it?
 
Establishing Credit Establishing Credit
by Gary Foreman
My 20 year old son will soon need to buy a car but he has no credit...
 
Second Mortgage? Second Mortgage?
by Scott Bilker
We want to purchase a new truck in a few weeks and are undecided on how we wish to finance it. We have plenty of equity in our home. Would it be economical to take out a second mortgage for this purchase?
 
Unwanted Names on a Mortgage Unwanted Names on a Mortgage
by Scott Bilker
I am currently divorced and took possession of our home of which I am in the beginning stages of foreclosure. Even though his name has been removed from the deed, it still remains on the mortgage. Could I file bankruptcy with his name on the loan? If not , what other alternatives do I have to save my home for my children and myself?
 
Effects of debt on obtaining a mortgage Effects of debt on obtaining a mortgage
by Scott Bilker
I was wondering about what sorts of ramifications my credit will have on my obtaining a mortgage in the future? Here is the situation, while in college I got myself into credit card debt (about $6,000). After college I married a debt-free man (no student loans, one credit card great investments). Over the last 1 1/2 years we have paid my debt down considerably (currently I owe about $2,000, each card is at about $500). One of them was charged off the other 3 were closed by the credit issuer.
 
Adjustable Mortgage Adjustable Mortgage
by Scott Bilker
We have a adjustable rate on our mortgage. How do they decide if the rate goes up or down. How is it calculated and when?
 
Lower the Interest Rate Lower the Interest Rate
by Scott Bilker
I currently owe close to $5,000 on the card, thanks to having needed home repairs and a child in college, and have had an interest rate reduction from 21.9% to 18.9%. My minimum payment is $117.00 but I pay $150.00 each month. I tried to get them to lower the rate even more but they refused, saying that they couldn't. I've applied for even lower-rated cards but because the bankruptcy is still on my credit report I've had no luck. Any suggestions...
 
Payment Order Payment Order
by Scott Bilker
Should I repay the highest interest card off first, or should I repay the lowest interest card off first and transfer the balance from the higher interest card?
 
Lower Rate Card Lower Rate Card
by Scott Bilker
In the past I have had some late payments on bills. Is there any hope that someone will give me a lower interest rate on my credit cards. HELP!!!!!
 
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