Credit Repair Questions & Answers

Lil asked:


I have $15,000 in credit card debt and I need a loan to help me put my debt together and make only one payment. My credit score is 615. Does anyone know who can help me with this. I don’t want the debt consolidation consultants.
I don’t have any late payment history or other negative input.

S.C. Mike asked:


What is the best way to reduce credit card debt without getting a loan?

sonija asked:


I am in dire need of a debt consolidation loan and I have bad credit. I can make things work with $5000, but I do not know where to start. I have seen people with yahoo addresses claiming they can loan money but they sound fishy as it is not a company email, their emails always seem to be yahoo. Any info will help. I fell on hard times and am now able to pay my monthly bills but I cant seem to catch up what I fell behind on. PLEASE help asap. I have a 5yr old and I do not want him to suffer us loosing our home or car.

Kerrie H asked:


I want to apply for a home loan but I have about $10,000 in credit card debt. I want to get in on the market now, how important is it that I pay off my debt before applying for the loan?

Karen Anne asked:


I am currently in debt with a school loan and my current banking source. I need immediate help with consolidation so that I don’t fall into debt.
What is the best method to go to achieve the best results for consolidating? Bankruptcy? Will that ruin my credit.