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Improving credit score
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[quote][i]Originally posted by deano87[/i] Work everything out on a spreadsheet. Pay those credit cards off with the higher APR first, or a higher percentage of the money allocated for credit cards goes to the high APR. Sit down and work out a plan of action of when she'd like to be debt free, realistically. Then work out what needs to be paid off every month. Check the interest vs. actual balance. My misses was over her credit limit and paying interest on the balance, so paying loads of fees. She was paying off £100 per month. But as she had silly charges, interest on that and interest on the balance, in turned out she was only paying off £15/month in real terms. You can also try ringing the credit card companies to see what 0% deals they are doing to transfer balances. Also some credit card companies do have offers for existing customers to reduce APR for the short term. You can also plead poverty and claim she can only pay a X amount, so to prevent her defaulting what can they do to help. [/quote]
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