| Subject | Date Asked |
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| Credit and Loans | 8/25/2008 |
Q: I'm in a tight spot, I just recently got a car thats 840.00 a month for 72 months (i've already paid ...
A: Bank of america and discover are my first suggestions.... but you better have a 680 or better credit ...
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| Rick Miller credit repair, etc. | 7/31/2008 |
Q: I find it interesting that you are telling someone to repair their own credit, when you have ...
A: shannon where are these links or ads as I dont endores any credit repair outfit any ads at this ...
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| 0% balance transfers | 7/20/2008 |
Q: I have great credit,(score is 707 but probably going to drop a bit as I just initiated more balance ...
A: Ref the life of the loan transfers, I have found bank of america and discover and Elan are your ...
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| credit card business debt | 7/19/2008 |
Q: I unfortunately have acquired $50,000 on credit card debt trying to keep my business afloat in this ...
A: Those debt reduction removal programs will hurt your credit as bad as a chap 11 or 13 or 7. The ...
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| building credit | 7/10/2008 |
Q: I never had a credit card, and am going to apply for a student offer from my bank. So how do I go ...
A: there should be no annual fee in fact no fees of any type at all period except a late fee or an ...
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| Gas cards | 5/27/2008 |
Q: Are gas cards a way, in your opinion, to pay less for gas? Any tips will be appreciated. Thanks in ...
A: Yes, visa and mastercards that give 3 percent cashback,are a great way to save ten to fifteen cents ...
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| Credit Card | 4/25/2008 |
Q: Does ANYONE know of a "clean" up-front credit card with no GOTCHA clauses and clear fair terms with ...
A: My first choice is discover gas card 1% cashback 5% cashback on the first $100 of gas bought each ...
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| auto loan | 4/8/2008 |
Q: I just recently paid off my auto loan (approx $15,000) with a credit card fixed at 4.99% for the ...
A: YOU made the right choice. The only difference between a credit card and your auto loan is the auto ...
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| Credit clean up | 3/25/2008 |
Q: Read your response to question asked 7/25/2006 on Rick Miller credit clean up kit. You answer ...
A: Before the repunks passed their new bk laws I would have said you were ok to follow your plan of ...
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| Need advice - what do I apply to first? | 2/10/2008 |
Q: I am a college student working full-time earning about $23,000 a year. I've been having a lot of ...
A: I never subscribed to this 3 month rule. I have found It usually takes 30-45 days for and inquiry ...
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| Avoiding interest on credit card cash advances | 11/30/2007 |
Q: I know that cash advances on credit cards should be avoided unless absolutely necessary because ...
A: whats your purpose here guy if you can preload the credit card with cash why even do it you have ...
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| Retailers and Credit Cards - Autos | 11/26/2007 |
Q: This is probably dumb, but here goes: I always pay my credit cards in full upon receiving the ...
A: as far as i know they can they also can set a credit price and a lower cash price on fuel as you ...
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| credit repair agency | 11/16/2007 |
Q: Is there an honest credit repair company you would recomend?
A: I have not found one I suggest you get a secured visa from bank of america or discover and pay the ...
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| Credit card | 10/25/2007 |
Q: I have heard that canceling a credit card can have an adverse effect on a person's credit report. ...
A: yes it will adversely affect your credit and they dont care either way they set up their system to ...
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| Debt Consolidation | 9/26/2007 |
Q: I have what I hope is a simple question. Currently I have about $40k in revolving credit. I need to ...
A: ok when i ask a creditor to reduce my interest rate i rely on my past payment history and point out ...
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| need advice | 8/21/2007 |
Q: okay so im 21 and want to be a musician- im singer/songwriter and want to get my stuff out there- i ...
A: I hope you realize that I lived in LA for 20 years so everything I quote will be based on first ...
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| credit card debt | 7/27/2007 |
Q: i have 2 credit cards. I am looking to pay them off asap, but i need some guidance on which to pay ...
A: ok i will assume you have at least 500 available credit on each card still since you did not tell ...
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| credit report question... | 5/31/2007 |
Q: Good evening!! I have just perused a copy of my credit report from experian, and verified what I ...
A: multiple unused accounts can reduce your credit score but i dont cancel them i convert them to ...
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| credit card account canceal or decrease | 5/25/2007 |
Q: 1.I live in australia W.A. I have a ge creditline card its in credit $4.00 I want to canceal the ...
A: since i live in america i know american law not your countries law if this were america i would ...
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| Credit Card Loans vs Other Loans | 5/22/2007 |
Q: I am interested in purchasing a used truck and investment properties, but I am have trouble weighing ...
A: credit cards use add on interest some car loans do this also and some do simple interest you need ...
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| Interest | 5/14/2007 |
Q: For the past several years I have been paying off a credit card debt by rolling it over to 0% for 12 ...
A: 150 is roughly 1% of 14k 10% is 1400 so 1% is 140 since you are dividing it by 8 months its about ...
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| Interest | 5/6/2007 |
Q: For the past several years I have been paying off a credit card debt by rolling it over to 0% for 12 ...
A: divide 150 by 8 since you have 8 out of nine months where you dont have to pay off the balance ...
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| Debt | 4/4/2007 |
Q: I own 2 homes the one I live in (20 acres in the country) approx 250,000 owe 220,000 on house land ...
A: all i can say is why have you not tried to buy out your co-owners this would end a lot of your ...
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| Debt | 4/2/2007 |
Q: I own 2 homes the one I live in (20 acres in the country) approx 250,000 owe 220,000 on house land ...
A: In my opinion I would make George Bush pay your debt you make 100k a year therefore you are in the ...
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| home & debt | 3/19/2007 |
Q: I will give you my situation, tell you what I want to do, and then get your opinion. Currently my ...
A: i really dont see how you will integrate your debt into a bigger house your 95k home if it brings ...
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| student loan consolidation | 2/25/2007 |
Q: I ‘m writing because my wife and I need to know the best way to consolidate her college loans. My ...
A: i have no real experience with this area but if it were me i would ask my local banker if they can ...
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| Flipping 0% credit cards | 2/4/2007 |
Q: Just wanting to pick your brain here. I have a single credit card that I use to maintain good ...
A: carrying a balance will always hurt your credit score slightly just like having multiple cards will ...
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| Please help, debt problem | 1/9/2007 |
Q: I am a 34 year old woman who lives in Texas and have a pretty ok job. I currently make $1876.00 ...
A: from what i see your bills are about 1400 a month this is a guess since you did not disclose your ...
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| budget credit help | 12/31/2006 |
Q: We are a two income family with one small child. My wife and I have alot of credit card debt from ...
A: this is what i do it may not appear to be good for you but it works for me currently i have about ...
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| credit in general | 12/14/2006 |
Q: I used to be terrible with money, until recently. I am getting a lot better at saving all of it and ...
A: a credit score of 690 to 750 is great 850 is the max you can get if you get a credit card visa ...
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| canceling credit cards | 12/3/2006 |
Q: have paid off all of my credit cards and now want to cancel them. I tried canceling over the ...
A: did you get the persons name operator id and location after 2 minutes if i dont get my required ...
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| credit | 10/30/2006 |
Q: I am currently a student with a fairly good credit score. I have 0% APR credit card with about 1500 ...
A: if it does affect your score it wont be much doing transfers like you are describing has never hurt ...
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| hi | 9/14/2006 |
Q: i have some credit debt and am wondering what points to emphasize in contesting the debt there may ...
A: i would just challange and admit nothing let them prove the bad credit or remove it in 30 working ...
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| Secured Credit Cards | 8/30/2006 |
Q: I have finally gotten my bills in line and am about to start putting money away. My credit is very ...
A: chase and bank of america have a secured card call them up and ask them what their procedure is for ...
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| Credit Report Monitors | 8/11/2006 |
Q: I am not getting accepted for card applications and want to pay for one of those Monitor services ...
A: you realize you are entitled to a free credit report as a result of being denied credit as for ...
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| Need to get rid of my car still owe money on it. | 8/4/2006 |
Q: In order to buy my house and to improve my purchase power, I need to get rid of one of my cars, but ...
A: 1st see if a dealer will pay off the loan and maybe give you some cash 2nd have a friend buy it on ...
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| credit cards | 7/25/2006 |
Q: I found this man online (rick miller www.24hrCreditFix.com), who claims he used to help manage a ...
A: i'll tell you what i will make up a website and charge you 29 thats all i need to do to make his ...
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| HELOC skyrocketing, home repairs bulging credit cards | 7/23/2006 |
Q: Here's my situation. I bought a townhouse in eastern San Diego county in 2004 for $322,000. The ...
A: ok you are the victim of the republican trickle down lie i know this because what is happening to ...
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| Financial question | 7/8/2006 |
Q: My husband and I are trying very hard to get out of debt. We are paying very high interest on credit ...
A: since you did not indicate how many of your open accounts are non visa mastercard type i will have ...
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| Credit Card debt vs Mortgage and Home Equity Debt | 7/6/2006 |
Q: I have three credit cards totaling $30,000 in debt, 10 each. One is 9.9% one is 7.9% and one is ...
A: most credit cards are simple interest all you have to do to verify that is look at the minimum ...
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| Saving Money or Paying Student Loans | 7/1/2006 |
Q: I have 17,500 in student loan debt. A few days ago, my parents decided to use their credit card to ...
A: 1st question is the balance transfer is it life of the loan if yes then you need to ask how long ...
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| beginner questions | 6/13/2006 |
Q: I see you offer advice on how to use credit to acheive financial goals. I am very curious as to how ...
A: all businesses use credit to make a profit your contractor gets net 30 on the materials he buys he ...
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| Nothing owed | 6/7/2006 |
Q: In the next month or so, all my credit cards as well as my car payments will be paid off. I won't ...
A: the only thing i have heard about owing nothing is that there is no proof you can make timely ...
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| where to put money | 5/17/2006 |
Q: I have 3k. I have a credit card at 29.9% that I cannot get lowered. I owe $7500. on it. I have a ...
A: yes i would pay the credit card down 2500 and bank 500 as a safety net the bank loan costs half ...
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| Credit card or debt consolidation | 5/7/2006 |
Q: We have very good credit and constantly get offers for debt consolidation or loans (at around ...
A: you are doing exactly what i do till i get a life of the loan offer that is 3.9 or better then i ...
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| debt problem | 5/3/2006 |
Q: About 4 years ago my husband and I became seperated at his choice . He continued to send me the ...
A: all you can do is write a letter to the lender he is dealing with and pray they will understand ...
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| credit cards | 4/29/2006 |
Q: i have recieve this check from my credit card one check show no apr for 6 months other is 3.9 apr ...
A: my recomendation is to use the 6.9 life of the loan balance transfer option the short term 0% at 3.9 ...
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| credit card debt help! | 4/21/2006 |
Q: I make about 35k per year, single, have about 15k in credit card debt. My Fico score is 689 and have ...
A: discover has a free transfer and most chase cards do also i have never had my credit score reduced ...
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| money problems | 2/16/2006 |
Q: In September 2005 my husband left me to move out of state. After about 3 weeks he asked me to go ...
A: how much do you save after you pay your bills since you did not provide a breakdown of bills i ...
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| our first credit card | 2/10/2006 |
Q: We are lawful immigrants who have been living in the USA for 4 months.We have SSNs but don't have ...
A: ok credit cards are like borrowing money from a friend and paying them back in 25 days if you do ...
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| I have one Question | 1/25/2006 |
Q: ...."retired doing this in 1996 and wish to pass on my experience. i cover such subjects as, my ...
A: realize one thing i got married in 98 and have 2 kids so i am working as my income from my stocks ...
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| First time buyer interest rate | 1/11/2006 |
Q: I have good credit, but it has been 22 years since I last purchased a car by financing.I have been ...
A: to me it sounds like you are being sold a bills of goods i would get the car and make sure they put ...
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| credit card debt | 9/17/2005 |
Q: I left a terrible job situation and was subsequently unemployed for 4 months. I now have a very ...
A: are you sending your son to private school i dont understand high school costing tuition and i ...
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| credit card management | 9/13/2005 |
Q: I have heard and read that having too many credit cards will leave a prospective borrower looking as ...
A: yes having multiple accounts will lower your credit score the reason is that it gives you the power ...
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| Credit cards | 9/2/2005 |
Q: I have a good credit and more than 15 credit cards with 0 or low balances. 1) Would closing some ...
A: 1) closeing any account will help your credit because credit card companies do not like people ...
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| Quick Question | 8/3/2005 |
Q: I live in Las Vegas,NV and I am in a situation where I have one particular credit card that I am ...
A: ok skyler try this trick lets say your phone bill is 75 bucks a month and your credit card bill is ...
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| credit cards | 7/19/2005 |
Q: Can you tell me the best way to pay off credit cards? The lowest balance first or the highest ...
A: i will always pay off the highest interest card first unless i can use the same money two times by ...
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| credit card application | 7/11/2005 |
Q: I have a 22 year old nephew who will graduate from college in December. He would like to establish ...
A: ok if he is in college he should apply for the college program credit cards but if it was this ...
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| Credit Card question | 6/28/2005 |
Q: hoepfully you can help me out or steer me in the right direction. Im looking to get my first credit ...
A: my rules are simple no annual fee balance transfers available and cashback bonus is mandatory ...
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| Credit Cards | 6/21/2005 |
Q: I am an Architect (40), currently with no income because I am unemployed since March 2005 (As a ...
A: all i can say is keep all the good credit cards you can credit is always a good thing and empty ...
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| secured credit card | 6/13/2005 |
Q: i am in the process of having to file bankrutpcy due to about 6.5 years of nothing but bad luck. to ...
A: basically you show the same level of trust for corporations that i have if it was me i would ...
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| Getting a credit card with "no credit" | 6/13/2005 |
Q: I've been righteously afraid of "plastic" for a long time due to the addiction process it seems to ...
A: ok here is the only time i will recomend using houshold bank this is your procedure you go to best ...
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| need help | 6/9/2005 |
Q: My husband and I are in debt. This is the scenario for your input, which follows this intro. ...
A: ok my train of thought has always been fiscal discipline example in my personal area i have 80k out ...
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| unsecured credit card debt | 6/8/2005 |
Q: tbaarr, I would appreciate your opinion on using a second mortage on a home to pay off unsecured ...
A: again my question is will the equity line you get to pay off your 35k balance reduce your tax ...
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| credit card cancelation | 5/12/2005 |
Q: I want to get rid of one of my credit cards. I know I need to pay it off and can within 2 months. My ...
A: personally if i want to be rid of a credit card company i call them and cancel it and demand that ...
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| Credit card vs home equity loan | 5/2/2005 |
Q: I have two outstanding bills. Home equity: $12,000 interest is 6.49 for 60 months. I am on payment ...
A: i dont see an advantage in not paying off the home equity loan as soon as possible its 12k and ...
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| debt | 4/24/2005 |
Q: I have 10k in credit card debt and a credit union loan for 7k. I have a credit score of 750 and no ...
A: ok the only way i know to get a bank like providian to be human is to pay em off and cut up their ...
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| Credit balance management | 3/23/2005 |
Q: I currently am running a balance on a credit card of $3,300. The APR is 14.9%. Seems my monthly ...
A: 3.9 works better then 0% if you cannot pay the loan off or transfer it to another low interest card ...
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| smart move? | 3/17/2005 |
Q: I am a 37 yr old male at a financial crossroads. Since I am a late bloomer finanically and ...
A: watch out for discover their 0 % offer usually requires you to make a monthly purchase and you end ...
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| smart move? | 3/16/2005 |
Q: I am a 37 yr old male at a financial crossroads. Since I am a late bloomer finanically and ...
A: leave the college debt alone you cant borrow money cheaper then that as for a condo i would think ...
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| Credit Score | 3/14/2005 |
Q: 1.I have been working with CCCS to deal with Citidcoprs on paying a $15000 debt off. Its now down ...
A: anything that you do to force a creditor to accept payments on your terms will hurt your score ...
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| trying to get a Credit card | 3/8/2005 |
Q: ok, i am almost 19 and i am trying to establish some credit. but the problem is i have none so im as ...
A: best buy is underwritten by bank one get approved for a 0% for a year computer purchase and get ...
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| debt and extra money | 2/15/2005 |
Q: I am a college student with very limited money and really tight budget. I currently have 6000 in ...
A: first get 2 more credit cards if you can this will allow you to make use of the intro 0% offers ...
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| Credit score? | 10/27/2004 |
Q: Just recently I purchased a copy of my credit report from all three agencies. Afterwords I contested ...
A: first i am not an atty but what i would do is based on my past experience write esperian and ...
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| Credit Card Payments | 9/30/2004 |
Q: I live in Massachusetts, am unemployed and owe $40,000 on 4 credit cards plus a personal loan. I ...
A: if you try to pay less then you actually owe to clear an account you will get a negative credit ...
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| How to calculate what a person really makes | 9/28/2004 |
Q: Can you help let me know how much does a person with a $100000USD yearly income really makes after ...
A: based on only a standard deduction and personal exemption for a 4 member family based on 2003 ...
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| Gasoline | 8/26/2004 |
Q: I have a bank account that only allows me to write checks. I cant get a check card from it. I have ...
A: yes you can if the merchant accepts checks if not then i suggest you either get an atm card or ...
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| Managing My Finances | 8/25/2004 |
Q: Here is my situation: i clear roughly 500 dollars every two weeks. I have a visa account that was ...
A: number one i suggest you look at earthlink as your internet is twice what earthlink charges their ...
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| Credit Card Information | 8/17/2004 |
Q: " Thank you in advance for your input. I read this in your profile, while searching for some good ...
A: step one contact fleet bank boston they saved me 4 points on my equityline step 2 you need at ...
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