Credit Repair Secrets: Five Negotiating Tips
If you're looking for credit repair secrets, here are 5 negotiating tips. They work regardless of how good or bad your credit might currently be. Let's get started.
Tip #1 Ask
The credit card industry is competitive. They know it too. You can switch from one company to another with a phone call. They want to keep you as a customer so they're willing to make all sorts of offers if you just call and ask. If you need a reason, tell them because you've been a good customer. If that's not true, tell them you need a better rate to help you financially which is true no matter where you are financially.
I know one person who called her credit card company to close the account. She was wanting to pay down her debt and didn't want to think about the possibility that she might use the card again. The company made her all kinds of offers from lower interest to lower payments. It reminded me of an outright settlement. In this economy, creditor are becoming more flexible because it's harder to make the same profit they did before.
Tip #2 Manage your balances well
When you have an available spending limit, you can do a balance transfer from a higher rate card. If you're interested in raising your credit limits, keep your balances around 30%. That way, you let the credit card companies make some money on interest and show you can manage your credit well.
Tip #3 Make credit card companies fight for you
Having a better deal somewhere else is a great way to get a better deal. As competitive as things are out there, creditors know it might not take much for you to go get that deal. You have much more leverage though if you already have that better deal in hand. Then they know you're ready to act and they better do something to keep you. If you've left space, you can go ahead and transfer your balances to the one with the best rate. Then go back to them and offer to transfer the balance back if they give you a better deal.
Tip #4 Maintain better credit
This probably doesn't need much explanation. The more credit worthy better customer you are, the better deal you'll get. If something happens so you can't make all your payments, prioritize things. It might make more sense to stay current on your best accounts and let the bad ones slide this time. Of course don't loose any collateral in the process.
Tip #5 Do the math
There are more things you can negotiate than just the interest rate. When assessing the value of an account, consider any additional fees, any bonuses for using the card, if a low rate is temporary, etc. You can even ask to have negative items removed from your credit report if you ask. The only limit is what you're willing to ask for.
At the end of the day, the key to negotiating is to know where you are and where you want to be. Then get out there and keep asking until you get what you want.
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Tags: additional fees, credit score, negative items, credit limits, lower paymentsFiled under Bad Credit by 
Comments on Credit Repair Secrets: Five Negotiating Tips
what the hell is wrong with the under 30 crowd they seem to? drink more cool aid than the rest. learn your history
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Just to say that I support your post on the Guardian weblog:
"The point of a strike is not to win public support, it is to get a better deal."
If the point of teaching is to make parents happy then teachers – and education – will be ripped asunder under the weight of all the different expectations and priorities that would have to be weighed up for each and every class.
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Hi! Anne—-Another excellent job of research! Am sure there's more goofs here in Syracuse. The similar experience I had while employed at Onondaga County, sortof mirrors the hesitancy of NewHouse employees to report any negative items on their Post Standard area of business. I always registered to vote as Republican since there was practice of appointing Republicans to depthead positions, so to keep my job it was imperative. Also learned to "not rock the boat" with any relatives of any bosses. In years past to get hired (in 1960's) a friend of mine had to pay $800.00 to politician to get a job at County. Now, or since NYState requires it, a posted job requires you to take a Civil Service test & then wait for the list
of rankings that result in 3 highest people getting interviewed for ONE job. Of course we want life to be fair, but soon learn it isn't. More investigative reporters are needed here in Syracuse, especially due to lack of moral reporting of sadly treating the sick and disabled as "lesser" citizens. OR maybe TV's "20/20" or "60Minutes" could do a special show of our dysfunctional politicians/city/county and what they call "wise spending of taxpayers $" when in reality the "fox is in the henhouse" regarding disabled & other low income people with or without children. The housing situation could be nicely resolved by a mix of ages and healthy as well as disabled ALL living at
ONE site, not at a 10-story-complex. A community sotospeak, where a plot of grass could bring joy to a "resident". Present "towers" have drawbacks, especially HUD-operated sites. We could go on and on, with desires for a
better life. Very good that you are writing of these things so our minds can"SEE" lives of others. Thank you!
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Wow, those high rates are a killer, and maxing out all your cards will ding your score. Just a few pointers, there are penalties to your credit score for applying for credit, but they are small and last 12 months, but bigger penalties for using over 50% of your trade lines and 80% of your trade lines.
Here was my debt reduction technique:
1. Open a new balance transfer credit card, there is a list at the site I blog for, Cardpick.com, in their balance transfer credit cards section, but other credit card comparison sites have more information
2. Transfer as much of your high interest balances as they will let you. Try to get at least a 6 month teaser rate of 0% – 3%, and most of them will reset to a normal 10%-15% rate after the teaser rate expires
3. Do NOT close out the old cards, you want to let your credit report age over time, the higher score will give you access to cheaper credit over time
4. Look online for your credit cards that you just paid off, many of mine, including ones that dumped me into default rates of 25%-30% for making a payment a few days late, will offer transfer rates of 8%-10% for transferring from other cards. If you apply for too many credit cards, your score will plummet and you'll lose your flexibility.
5. Walk your way down the list, if you can move your 30% cards to 0%, and your 20%+ cards to 8%-10%, you'll find that you are saving a decent amount in interest each month, use that to pay down the highest interest cards.
6. Instead of "just paying down the highest interest rate," look for cards that you can pay off in full. While the highest interest rate debt makes a lot of sense to retire, the transfer option may make it more worthwhile to pay off a lower rate card.
7. If you have a 15% card with a limit of $1000 and a balance of $400, if you spend your "repayment money" of $400 in one month on that card, you now have a clean card. You can then transfer $1000 from a high rate card (more likely, $950 because of transfer fees) to this card. This might help you more than saving one month of interest on the $400 on a higher rate card, because you will then lower the interest on the entire amount transferred.
8. You can open new "teaser rate" cards, but do it carefully. Too many will damage your credit, it's a balancing act between preserving your credit score (to keep options open) and not paying a premium. It's probably worth $25/month in extra interest to keep a good score, it probably isn't worth $1000/month.
9. Remember, opening trade lines and applying for credit is a 12 month hit, being high balance is a hit as long as you are doing so (and I think it ages down over 3-6 months), but missed payments can ding your for seven years.
Good luck, and keep the faith!
You only have to pay back the loans once you STOP going to school. The solution to THAT is to NEVER stop going to school. As long as you are taking ONE class per semester you are OK. There's always something that interests me, it can even be an online course. I have 70 units PAST my BA. When it's time for repayment they will work with you to lower the payments and spread them out over a lifetime. Do you already have your AA? It's cheaper to take lower division courses at a JC and then transfer to a 4 year. YOU CAN DO THIS. TRUST. BELIEVE. One day at a time. One class at a time. Eventually it gets completed. I didn't even start university until I was 42 years old.
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RT My family voted to raise our personal debt ceiling by a billion $. Just need to inform the bank & credit card company.
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balance transfer credit cards section, but other credit card comparison sites have more information
2. Transfer as much of your high interest balances as they will let you. Try to get at least a 6 month teaser rate of 0% – 3%, and most of them will reset to a normal 10%-15% rate after the teaser rate expires
3. Do NOT close out the old cards, you want to let your credit report age over time, the higher score will give you access to cheaper credit over time
4. Look online for your credit cards that you just paid off, many of mine, including ones that dumped me into default rates of 25%-30% for making a payment a few days late, will offer transfer rates of 8%-10% for transferring from other cards. If you apply for too many credit cards, your score will plummet and you'll lose your flexibility.
5. Walk your way down the list, if you can move your 30% cards to 0%, and your 20%+ cards to 8%-10%, you'll find that you are saving a decent amount in interest each month, use that to pay down the highest interest cards.
6. Instead of "just paying down the highest interest rate," look for cards that you can pay off in full. While the highest interest rate debt makes a lot of sense to retire, the transfer option may make it more worthwhile to pay off a lower rate card.
7. If you have a 15% card with a limit of $1000 and a balance of $400, if you spend your "repayment money" of $400 in one month on that card, you now have a clean card. You can then transfer $1000 from a high rate card (more likely, $950 because of transfer fees) to this card. This might help you more than saving one month of interest on the $400 on a higher rate card, because you will then lower the interest on the entire amount transferred.
8. You can open new "teaser rate" cards, but do it carefully. Too many will damage your credit, it's a balancing act between preserving your credit score (to keep options open) and not paying a premium. It's probably worth $25/month in extra interest to keep a good score, it probably isn't worth $1000/month.
9. Remember, opening trade lines and applying for credit is a 12 month hit, being high balance is a hit as long as you are doing so (and I think it ages down over 3-6 months), but missed payments can ding your for seven years.
Good luck, and keep the faith!]]>
low rate credit cards. Silly internet bringing me here
Funny I have been doing hours of research on low rate credit cards and it brought me to your blog on Keeping Your Holiday Debt in Check. The web plays funny games sometimes. Anyways, I was reading your blog Marj and I think it is really cool. Keep up the great work.If you do not mind I will snag your blog and put it in my favorites. I read a ton of stuff on here that interested me. Keep blogging away 
]]>
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