funny name asked:


I made some stupid and immature decisions and now im $2300 in debt and im only 20 years old. I looked up my credit score and the estimate was 520 based on the info i gave the site. The 2300 is made up of 1 credit card, 1 American eagle store card, and a check that got returned and sent to collections and my t-mobile cell phone account. Am i completely screwed? or is there a way to bounce back from this? I am a college student and i dont make too much money? Can i consolidate that amount? It is already effecting me…I cant even get a cell phone put under my name. I plan to get a house when i graduate rather than i apartment and i want to get in the 700s credit score in 3 years. Is that possible? Thanks for all your help guys

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Natalie007 asked:


I am so frustrated with my student loans. I borrowed $4500 in 1992 to go to school. They went into default many years ago. I have made payments off and on for long periods of time. It never seemed to make a dent into any of the loan. My monthly payments covered interest and late payments. This has been going on forever and im tired of it. My current debt is $9500. double what I borrowed. This year $4000 from taxes went to them- as it does every year. That dosen’t make a dent into the money either. Does anyone have a solution to stop this madness. If I had an extra $9000 Id just pay it in full. But I do NOT. Can anyone HELP….
FRUSTRATED. Plus it makes my credit score horrific….

THANKS-

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name asked:


My girlfriend has bout $70,000 of student and other debt if we get married willl that lower my credit score or have any effect to me?

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Unknown asked:


Despite having a decent FICO score, I have a lot of student loans and credit card debt. Will this hinder my chances of becoming a cop or a Federal Agent? I have NEVER paid anything late and my credit score is in the mid 6′s. Will having this kind of debt rule me out?

Credit Card Debt Consolidation Loans

Heather J asked:


I can no longer pay the full balance of my monthly private student loan payments. My lender has denied a deferment, forbearance, and a consolidation. I was told by a friend of mine who works for a mortgage company that as long as I continue to make an effort to pay them- even if it is below the monthly minimum this will not effect my credit score. Is this true?

Please only respond if you know the actually answer with a source please.

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