Are there any bank or lending places that will help with paying off credit cards bills?

i have 4 credit cards and need top ay them off, my credit is not so good, are there any places that will helppay off these bills..i make good money, jsut that my credit score is aweful.

Are there any bank or lending places that will help with paying off credit cards bills?

check these:

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http://finance.ebookorama.com

http://credit.ebookorama.com

http://credit-repair.ebookorama.com

if you get any luck please don%26#039;t forget about me lol, hope it helped you!

Are there any bank or lending places that will help with paying off credit cards bills?

throw all but one away. cut them up. pay more then the minumum on all cards. It took time to run them up, it will take time to run them down. you can do it.

Are there any bank or lending places that will help with paying off credit cards bills?

No company is really going to %26quot;help%26quot; you, without hurting your credit even more. The best thing in your situation (high debt and poor credit) is to make a slow, thoughtful attack on both.

First, always pay MORE than is due, BEFORE it is due. Since you make good money, work on your budget. I find it helps to round the minimum balance up to the nearest $10 (or $50 or $100, whatever fits your budget) and add that much more to your highest interest card payment.

After several months of this (6 months to a year depending on your history) your credit should improve to the point where you are getting new offers. Don%26#039;t take the first one you get. Use them to learn what kind of terms you are worth, and try to re-negotiate terms with your current debt-holders (just call them and threaten to transfer your balance!)

As you start to pay down balances, your budget will shift because your minimum balances are falling. Make sure you keep the same portion of your budget to pay off balances, and keep adding unused portions to your highest balance card.

If you still have debt after 3-5 years on this plan, you should be in a position to get an unsecured personal loan with a low interest rate and fixed payments (like a car loan with no car) to pay the rest off shortly.

Good Luck.

Are there any bank or lending places that will help with paying off credit cards bills?

if you will even get personal loan to pay your credit cards , it will not bring your credit up. the best way to do this, is to pay your credit card balances down to 40-45% and after this, paying yours min balances and little extra.if you can pay them off at once, don%26#039;t stop using your credit cards, but do this so you don%26#039;t max them out. remeber always below 45% of the card limit. this is the best and the fastes way to improve your credit.

Are there any bank or lending places that will help with paying off credit cards bills?

The question is DO YOU MAKE enough money to pay down your debt suffuciently? If you do then great, if not then you%26#039;ll need to do some homework...

There are city and state agency%26#039;s that can help with credit counseling. Look them up on the web. A bit of info; you need to make a long term plan and and long term budget. First off, if you make good money try to pay them all off as quick as possible without adding new charges. The less you owe the better your score will get.

Never, NEVER miss a payment. Make the payment before their due dates and NEVER pay their minimums, always pay more.

Their are some banking institutions that can make regular monthly payments for you automatically, get setup with them. ALTERNATELY if you do your banking online, you can do this yourself, it%26#039;s called a recurring check or recurring payment. Set it up online. Additionally DO NOT use your cc%26#039;s anymore that%26#039;s how you got into trouble.

Tear all of them up with the exception of 1 or 2. BUT DON%26#039;T CLOSE THE ACCOUNT, keep them open even when they are paid off. Basically stop using your cc%26#039;s but continue to pay them off. The more automated you can make the process the better.

There are debt consolidation companies that can consolidate, negotiate with your lender for lower payments and interest rates - and then have you make just one payment monthly. That%26#039;s good too but they charge a small fee for that.

Finally, if you can consolidate all your debt onto one card, preferrably with low or no interest on it, do it. This will help you score a little bit......... GL

Are there any bank or lending places that will help with paying off credit cards bills?

read tips and articles on money handling, debt/credit and loans that might help you more on this site

Are there any bank or lending places that will help with paying off credit cards bills?

Most banks don%26#039;t give unsecured loans anymore, probably because folks just go run up more bills and still fall into default.

Now, there are companies that do this, but you have to be careful in choosing one because although your monthly payment may be lower, you might be paying a much higher interest rate and your minimum monthly payment may barely cover the interest. This effect is seen with some credit cards also, especially with big balances.

Assuming your credit limits on your 4 cards are relatively small (you aren%26#039;t walking around with 4 $20,000 cards maxed out, are you?) and you make a decent income, you should be able to work yourself out of the hole even though it will take a while.

First, stop carrying your credit cards around with you. That helps control impulse spending. Train yourself to live off your income alone.

There are two ways to handle your credit card payments depending on how much income you can devote to them and how good your impulse control is. If you can resist the temptation to respend what you pay off, paying them off evenly may be the best way to go.

Compare your minimum payment to the monthly finance charge. Are you surprised to find that 75% or more of the minimum payment goes toward debt service rather than toward the debt? So, decide how much of the principal you can pay off each month and make your payments for the finance charge plus that amount. Example: Your finance charge is $70. You want to reduce your debt by $100 a month. You should pay $170.

The second way is to bang out one card at a time. Pay the minimum on 3 cards and put whatever else you can afford on the card with the lowest balance. Example: Your minimum payment on each of your cards is $50. You have been paying $100 a month on each card. Reduce your payment on the 3 cards with the highest balances to the minimum of $50 and add the saved $150 to the $100 you usually pay on the 4th card. Your balance on that card will spiral downward very quickly and noticeably.

You can continue until the card is paid off, or until $50 is more than half of the monthly finance charge. Then, switch the big payment to the card with the next highest balance.