friends i am not sure if i am the only one but my credit history has gone beyond repair and now i have to choose a simple life...although this is a blessing in disguise as i m now living a much simpler life a lot of things are effected my credit hostory.....can anyone share their experiences, tips and ideas how to live a decent life that is not effected by credit history????

Just want to kno if i m the only one

I am glad you raised this topic.  Pixie, same is my story. Credit card huda hisab na gaare kharcha gareyo, credit history [Disallowed String for - bad word]ed up bho. But now, I am more responsible with my money handling debit and cash only. i don't spend on extra things. It have also gave me sense of responsibleness and I am happy about my act now. I just feel good even though credit history is gone to toilet

mero katha ni testai chha raja

u belaa aakhaa nadekhi citi card ghotya ghotyai gariyo. 4-5 wata credit card ma 5K ko credit katti khera sakkiyo pattai bhayena, bidhyarthi jiwan, testai ta ho ni, 2008 ma. tespachi mero _{Kishore Kumar Dard Bhari nagme Volume 9} suru bhayo!

Payment garna hamme hamme parna laagyo. December 2008 ma mero card haru freeze bhaye. 2009 bhari bibhinna kisim kaa phone haru aaye, kistabandi program, matching payment program, phoenix program ityadi ityadi. huti le bhyaye samma sabai gare, report saprelaa ki bhanera.... pachhi yesso hisaab garda ta, 5k ko credit ma maile 6k jati tiri sakya raichhu, balance ajhai 3k jati huna aauchha baa!!!

Tespachi soche : _{ghantai sitti}! ^{yetro ni tirdina herdai jaam}!

score ek taka 710 thiyo mero raja 2007 ma! mid 2009 tira score check garya ta jhandai ulti aayeko! 422 re! laaja mardo! hoina kaa nira ke bhayo pattai paayina.

tespachhi soche, kehi ta garnu paryo, yo taal le ta bhayena myaan!

ani creditors lai phone hanna thale! paiso tirchhu, paiso laijaa bhanya ta, achhama ko kuro sunaaye tiniharule! mero bad loan tini haru le arko laai bechi sake re! ani phone number diye malai. phone haane! tyaha bata patta lagyo, tini haru le ni arko lai bechi sakechhan! gazzab chha baa!!!

hijo feri jurmuriyera, sabai lai call gare, euta upaya niklyo! 50% amount maile tirne ho bhane, account haru settle hunchha re ! lau na ta bhani, jen ten gari falano ko dai, dhiskano ko uncle ko bhatiz sabai sanga haar guhaar gari, paiso jamma gari tirne jamrko gardai thiye....

beluka euta mitra le sallah diye, "bro, http://www.careonecredit.com   bata tira, intrest pani ghatchha, paisa pani kam parchha, kistabandi pani hunchha, ani credit haru tireko record pani report ma update hunchha, sabai tiri sake pachhi, score pani maathi aauchha, timro creditors haru le timi payment bare serious raichhau bhanne thaha paauchha" bhani fakaye.

Enroll pani gare.

• Once time activation fee $49.00 +


• Monthly $7 fee raichha.


• Payment haru ekkai thau ma consolidate pani gardo raichha.


• mero $2500 (jamma jammi 4 wata account) ko monthly payment $108.00 huna aayo.


• 2 years program re. thikai laagyo.

 

• Sodhe, "malai mahina ko $500 tirne ichha bhaye, tirna milchha? -----milchha re!,


• Yo debt 3-4 mahinaa mai saaf garchhu bhanna paayinchha? -----paayinchha re!


• Chhitai kina tirish bhanera jariwaana laagchha?------ laagdaina re!

kyaa baat!

namacchine ping ko saya jhatkaa! yesto chha mero haal aayera 566 score ko background.

aru kehi upaya chha bhane bhanam na mitra! Billa bhai sakyo raja.

 

thanks ramparshad dai..funny anecdote...but really helpful

Ma chahi yes mamala ma ali khabardar nai chue. K vhayo vhane, ma yeha auda (2002), 4-5 jana ali desh-khayara-sesh-vhayaka, nepali daju haru saga basna puge. Sabaie ko autai vhanai thiyo - vhai america basnue maan cha vhane, j garnue tara credit history chahi F#######cked up nagarnue.

Ani jaha jadaha pani credit score check garcha. teyo chahi ali pachi pachi nai thaha vho.

Suru suru ma ta dai haru le 8-10 otta credit card boke ko dekhayra, malie ni khub rahar lagthiyo. jaha jada pani, yeso wallet kholthiya, ani chani chani card le paymant garthiya. malie ni testai rahar lagyo. 4-5 varsa ko vitra ma mahile ne 20 otta jati banaya. credit history pani maintain nai gare, payment pani timema nai tirthiya. ma chahi k garthiya vhane, auta card apply garyo, aba teti khare 6 -12 months 0% APR dinthiyo, ani khali tehi use garyo, 4-5 mahina ma ph gardaie credit limit badayo. ani 1 varsa pachi arko apply garyo ani tehi matra chalayo.

herda herdai 25 otta jati thiyo hola aktaka, including crads from retail store like jcpenny, bestbuy, homedepot, firestone.....

ani aba tehi ta ho, university jana thale pachi paisa le ni pelna thaloye, ani kaam le ni. teti matra vhata, ma jen-ten gari maintain garthay hola, auta mori thi, tesli malie dukha paryo paisa sapati de vhani. aba afu saga paisa chaina, yehi card chala vhane ra 2 otta card diya ani payment pani timi nai tira vhane. 3,4 mahina samma ta thikai thiyo, ali pachi herya ta mori le 2-3 otta payment late gari rako raicha, tesmathi afu li aru card ma tira na huume humme vhai ra thiyo. credit score jhare ra 550 ma aayo. paro tatyo, paisa mage, di mori le tara ali kaam nai di. teha dekhi vhane - mutu deu, paisa deu samaya deu tara biswas navhakoe li credit card nadeu. huna ta ahile na deko haina. auta sarai biswase lo mitra li $10,000 ko card apply gardiya, ani usle payment pani gari sako.

credit ramrai hudai gayo. tara 2006 pachi 1 varsa 5 mahina kaam gariyana - tehi auta credit card bata $20,000 checking acoount ma trabsfer gare, i year 0 % apr ma, tara $ 99 chahi transfer tire.

feri kaam gariyo, graduation pachi, 4-5 mahina ma rin tire, credit build up hudaie gayo.

2008 tira over $100,000 ko total limit vhaya cha ghate, sabai card ma gare ra. teyo ni kasari thaha vhayo vhane gadi kinna gako, history check garya total $ 126,000 limit ani score chahi 740 re. auta maan le ta nepal vhagu ki jasto lagyo, sabaie paisa jhike ra. tara yehi base.

asti auta ramroe artcile padhe in MSN. ani credit pani check gare, tehi 740 dekhau cha, haina kina nabadheko jasto lagyo. ani MSN ko article jastai gare, 8 otta jati card nacel gare, ahile masaga 14-15 otta cha; sabaie chalue chue, ani paymnet ni time ma garchue. teso gare credit history ma report jancha hare. kunaie card ma 3 months jati activity vhaya na vhane , report credit bureo ma jadaie na hare. arkoe saal check garda 750 ta pakaie kate ko hunue parcha.

aba sano sujab yo mula ko - yedi america ma basne ho vhane, teyo 20-30 hajar ko credit le garda jindagi nabigara. You will end up paying lot more in long run........

aba haina thulaie cha $50,000 mathi vhane chahi natira, 7-8 varsa kura ani bistarai bistari banue...credit history..

la Jai Nepal...

Pixie chick, how did you end up messing your credit history like that? Aren't you the same chick who scored like 700 in GMAT and knew quite a bit about BA/QA and what not? 

Birodh : life happens...$ stopped flowing in....cant ask anyone to help me with $$...so sucking it up and deal or not deal with it!

Stupida...bragging much...lol....but thanks for the account...i want to pay but i dont have a single $ flowing in right now...so ill prolly pay when i have enough.....hope paying back someday will help repair credit score....inteerest rates have been jacked (30%+)up and have already defulted so i am waiting for them to make it easier for me and make it doable...like Mr Ram said ...ill prolly do a consolidation...

Well, it's life dear. You won't learn to stand up, if you never fall.

I don't know how but I was aware of credit history since I came to US. Sangai basne dai didi haru le ke ke sunauthe ani dimag ma ali dherai nai chirecha ! Asti eak choti wallet harauda police lai report garera 6-7 ota credit card ko report deko ta Are u a Gambler re sale le ! mero ta teti chaina 7-8 ota maa 6000 jati hola. sab sakki sako, as usal wee do , ali ali garera tirdai chu ! not in so bad condition till !!!

Credit history is main thing in this freaking country ! Once you screwed than u are gone ! Sala tesko bhar maa mobile, gadi, appartment sab aaune re !!! Maile suneko ta katai ramro thau maa kaam garda ta credit history ne check garcha re ( correct me if I am wrong) . tei credit history ko bhar ma suka nahuda ne 20000 jati ko gadi uthaye !!! So guys be very carefull on this matter this goona suck you up !!

STUPIDA Ji

yesso gare kaso hola?

Stupida Credit Consolidation Program suru garnush sir. Haami jasto pidit haru ko balance transfer gardinu paro hajur ko kunai euta card ma... tini haru lai tirnu bhanda baru tapai lai dinchham ni sir... launa ... yeso garnu bhaye sabai ko uddar hune thiyo ki?

natra arko upaya, tapai le kunai card ma add gardinush, card chahi aafai rakhnush sir. tesso garda milne ho ki? ustai pare nepali kagaz maa kapaali tamasuk garna pani tayar sir....lau sochnush ta...

Sathi ho mero pani halat khattam cha. sabai card haru charged off bhayo 2 barsa agadi . court paper sign nagare samma credit card le wages garnish garna mildaina ho? mero euta card le attonrey paper patha thiyo maile ta tyo manche yo address ma basdaina bhane ra firta pathaye. sathi haru kasaile idea cha ki k cha yo process wages garnishment baata chutkara pauna k garne hola??? collection agency le kama ko paisa jati dhama dham mero pay check baata niklana thalyo yaar bachnai garo bhai sakyo bhanya.

 "bro, http://www.careonecredit.com  

Ya, I have been in a collection situation as well due to some misinformation. However, guys, remember that some kinds of debt have Statute of Limitations and will go off your record after 7 years (it depends though). The debt I have will be getting off my record soon (which occurred due to lack of communication with my insurers) and they were not that much.

find man..,,, u marry,.... money flow... joint apply credit and u better credit....

lovely life....,,, nice family ur house...

tat solution ur problam... funny life...


what say u?


good luck.