Credit/Debt Questions
Refinance car loan
I'm 72 years old . I am paying 6.25 percent on a 7 year car loan. I had a bad...
Bankruptcy and Federal Income Taxes
Hi Terry, What is your recommendation for professional assistance regarding unpaid federal income tax (large amount/multiple years) -- I see...
Credit & marriage
I have bad credit due to medical bills and getting married in September. Will my credit have any impact on...
Applying for a credit card
When our daughter was in college, we made her an authorized user on our major credit card for emergency purposes....
bankruptcy and marriage
if I marry someone who is filing for bankruptcy- does her bankruptcy affect my credit rating? Terry Says: It will...
Credit Card balance at death
My dad was just diagnosed with cancer and not given long to live. My question is he has large credit...
free credit SCORE?
Where can I get a free credit score with no strings attached? Terry Says: You can get a free credit...
Free credit report
Where to get a credit report that is secure? Terry Says: There are several online sources of credit reports, but...
Withdrawl at 62yrs. old from retirement funds to pay credit card debt?
We got ourselves into a financial bind in which a credit card company put a lien on our townhouse. Can...
Car Loans
Terry, do you recommend taking out a car loan this month as interest rates may be on the increase in...
401k withdrawal to pay off student loan for son
My mother is thinking of withdrawing $25k from her 401k after she retires next year at the age of 70...
home equity or save cash
HI. I wrote earlier about my 30000 home equity line of credit. That is what I owe. I have a...
Paying off credit cards with 401K
Dear Terry, I sent you a this question a few minutes ago and realized I didn't give you enough details...
freeze on my credit reports
How do I put a freeze on my credit reports Terry Says: Contact each of the three major credit bureaus. ...
credit report errors
Hi Terry, I recently pulled up my credit report and found that my information was all incorrect and credit is...
credit monitoring
Do you think it's necessary to buy credit monitoring such as Protect My ID or Lifelock and which do you...
HELOC or IRA
Terry: I am 64 years old and am working as a 1099 contractor. I may need some extra cash to...
Youth trying to establish credit
My grand daughter is 21 years old. She has a job as a retail assistant manager. She lives at home....
Checking on a debt consolidation company
I have been contacted by a a company named "card Services" which has promised me a savings of $2500 if...
Credit protection
Hi Terry, Seven years ago, my wallet was stolen, including my social security number. I shut down all my accounts,...