Trying to wipe away my debt!!!!?

Sounds like you would be best served at this site where peopel lend to other people in need. They even let you choose your own interest rate. You'll probably be able to pay off all your debt in about 3 or 4 months.

They're at: makemoneyconcepts.com/prosper

Having just one loan at a much lower interest rate is better than having a bunch of money sucking credit cards and loans that you're burdened with each month.

It'll probably improve your credit rating by paying them all off early. When you pay them off early, you'll save a lot of interest and will probably have a nice piece of money let over to set aside for your upcoming wedding.

Hope this helps.

Too many inquiries about your credit will lower the rating and be looked poorly upon especially if the timing is clustered. These do not get removed from your reports.

If you have two cards and both have outstanding debts try to consolidate them into one and contact the credit card company to find a lower rate and speak with a manager so you can get a better payment plan set up.

As for your wedding, given your debts and your personal belief to not bring family into debt, you have a serious decision to make now. Either you postpone your wedding until your debts are paid in full or, you reconsider this belief b/c odds are nine months is not enough for your to repair your credit and erase the entire $8500 + interest and save up enough for a wedding.

Additionally, in regards to your question are there any companies you can work with, try Consumer Credit Counseling Services. They can help educate you on your available options but more importantly you will learn how to better control your credit to avoid making the same mistakes again in the future.

Lastly, what is your current financial situation are you working more than one job? Are you in school? Whatever you are doing, you need to find a way to make more monies faster so you can reduce and pay off your debts asap. Personally, I'd postpone the wedding if you are 100% committed to upholding your belief. Good luck.

Your only choice is to try and secure a loan to consolidate all your bills into a lower monthly payment.

This however will not raise your score as the reporting times are long, even for debts payed off. If those inquiries are "hard hits" then your score will go down.

Here is a breakdown on CCR's time limits

The credit bureaus keep your personal credit history for periods between 7 and 10 years:

Unpaid Tax Lien - Indefinitely

Chapter 7 Bankruptcies - 10 years from date filed.

Public Records - 7 years from the date of payment;

Closed or Inactive Accounts - 10 years from the date of last activity;

Derogatory Accounts - 7 years from the date of original delinquency;

As to any companies that can bail you out, there are things you must watch out for .Avoid credit repair agencies that charge a fee to improve your FICO score by removing negative, but accurate, information from your credit reports. No one can force credit reporting agencies or lenders to remove accurate information from a credit report. Credit repair companies often take your money without delivering what they promise, or provide only temporary improvements of your score, sometimes by removing accurate information that will reappear later.

As far as getting them off of your report, it would all depend on the statute of limitations for your state and the type of debt. Here are some links to free help with this issue

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cr...

Building a better credit report.

http://www.ftc.gov/gettingcredit/

What you need to know about your credit.

http://www.ftc.gov/bcp/conline/pubs/credit/crdrigh...

Credit and your consumer rights.

Hope this is of some help.

If you always pay the minimum, you will never get out from under. Pay extra on the credit card you have the most on, and reduce it. Then concentrate on the next one. Try to pay off the loans early. A little each month helps a lot. And, every inquiry on your credit reduces your score.

Everyone's advice seems good - I just have a note on the inquiries. Some companies (usually credit card companies) will look into credit reports so they can send unsolicited offers for a credit card. These do not count on yout FICO. However, if all these inquiries are at your request (i.e. you are filling out lots of credit applications), then it does count against you.

The most helpful way of reducing your debt is by increasing your income.

You could ask for a raise, but this is hardly ever as good as changing your job, because current employers get a bit complacent. If you could go for a few interviews, and get better offers, you could tell your boss and see whether the firm can match or beat the best offer.

You could also get a second job for a short period - it is quite tiring doing two jobs, but not as stressful as being in debt with no way of getting out. Finding jobs might be a bit difficult in a recession, but sometimes just knocking on doors and phoning people will get you somewhere.

You could use a credit repair service to remove inquiries and other negatives. Check out the free evaluation form at www.totaldebtsolutionsllc.com --They partner with a true non profit that provides a high quality service for just $125. My mom used them and her score jumped 60 points. Good luck.

Increasing your income is the fastest was out of debt. Are you working 18 hours a day? If not get an extra part time job or two.