Consumer Credit

Reliable consumer credit Information

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How does someone get their Equifax consumer credit file?
can someone send the Canadaian link if possible I can& 039 t find it

Can bill collectors still call even if you are with consumer credit counseling?
I do advised the bill collector that we are on the program.

If I file for bankruptcy overseas and I have a consumer credit card there, will it affect my credit here?
If I need to file bankruptcy in a country, say australia or new zealand, and I& 039 m living in Europe, if I had a VISA or Mastercard I owed money on, does it affect any banking services I use in Europe?I use a VISA debit card in Europe at the moment.And also does VISA share its credit report worldwide? I don& 039 t seem to have any credit history in Europe as I& 039 ve only lived here a few years. Will the bank tell them I am overseas and will it affect any VISA cards I could use here?Thanks

What is consumer credit hearing?
i am doing a paper for school but i cant seem to find what this means

Am i covered under section 75 of the consumer credit act?
I received credit through Barclay& 039 s partner finance for a training course provided by Anglo Capital ltd. which unfortunately " cease to trade" . My credit was 5.999 which i pay back monthly in installment& 039 s of around 99. Barclay& 039 s have contacted me to arrange an alternative training provider but this provider is unsuitable for me. Can You please tell me if i am covered un section 75 of the consumer credit act and what i am entitled to? Many Thanks Mike Ashton.

Is there a charge of consumer credit counselling service? how much?

How I'd benefit from consumer credit report if showing great score?

We are working with consumer credit counceling service for me and my dad's debt, paying 3500 per month,?
but it& 039 s just too much. so we are thinking about filig bankruptcy. is there any way to file only 1 person in family instead of both of us?

What is the best method for consumer credit card debt relief?
We started a program with " Consumer Credit Counselors" This progarm has us pay the Consumer Credit Counselors, then they pay the credit cards every month. All they do is lower some of the interest rates. They don& 039 t negotiate amount owed. The payments are too high for us, so we looked into other alternatives. We found one company that will do it differently for less. They have you pay into an escrow account, and they pay off each credit card individually. They say they negotiate lower balances and interest rates. The payment would be lower and the payoff time cut in half. Does anyone know of any reason we shouldn& 039 t do this? Are there any other better ways? WHAT IS THE BEST WAY TO GET CONSUMER DEBT RELIEF with no loans?

Looking for a trusted consumer credit consolidation company?
We are looking for a reputable consumer credit consolidation company. Prefer to hear from those that have had good success with a company to respond.

To a consumer credit counselor, or person experienced in credit card debt due to unemployment.?
I lost my job 8 15 2008 due to reduction in force. I was there for 10 years, made a good salary, but never saved. I had very little credit card debt, but had about 20 credit cards with zero balances. For the last year, I have spent 14 16 hours a day on the phone, going to job fairs, networking, calling people with no luck. I applied for over 1,200 jobs. Last week, I finally found a job making 80% less than my last job. I lived off of all of those credit cards for the last year, and used one to make the payments on another. Now, all 20 cards are maxed out. I am caught up on 15 of the accounts, but the other 5 are calling me every 30 minutes to 1 hour with an automated dialer.I did this to myself by not saving, and have learned a difficult lesson. The 5 banks will not accept anything less than the exact amount which is late, $2,500.00, $3,500.00, $1,000.00, $1,800.00, and $1,200.00, and there is no way that I can make those kind of payments. I explained the situation to them and they did not understand and keep calling me. Five of the banks offered me a payment which allows me to make really small payments for the next 2 months until I am caught up. I am grateful to them for that. What can I do about the other 5 banks? Before I lost my job I had superior credit, now I am thinking about bankruptcy to get the 5 banks off of my back. Is there any other way?Thank you for your help from someone who has never had credit problems.

Does Dave Ramsey recommend consumer credit counseling?

Has anyone used a consumer credit consolidating company and has it worked?
Has anyone used a consumer credit consolidating company and has it worked? I am considering using one but I want to weigh my options. I have been unemployed for 9 mos and was considering chapter 7 possibly but then i considered this. What should i do?

Rights of consumers - credit card company causing problem?
how to deal with rude credit card companies...what are the rights of consumers..where to report...and how to make these credit card comapnies be on thier limit when we default on payments...