jen wrote:


I always see people recommending this, but I called on card company and they said they’d have to run my credit to decide…well, the whole reason I need them to lower my rate is cause I’m working on restoring my credit!

I’ve paid a lot extra lately on this card–$140 extra last month (above the minimum payment) and $560 extra this month. Should I ask now, or not?

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Maddvladd M wrote:


do debt collectors have to restore your credit to what it was before they trashed it after you pay the bill?

catthbr wrote:


Or do you think that perhaps increasing employee wages would stimulate the economy? - and I’m not talking a $20/wk raise - I mean a really income increase.

“This legislation should help to restore the flow of credit to households and businesses that is essential for economic growth and job creation, while at the same time affording strong and necessary protections for taxpayers,” Ben Bernanke

kittysheadcradle wrote:


Basically, my friend Daren was messing around on my cell phone and he put a password on my pictures and gallery. It’s not the default password either. It’s a Samsung phone, and i don’t know the model number.

The biggest problem is that I need to get into my pics so I can upload them to my computer. I took a bunch of pictures to complete a project at school, and now i’m not going to be able to get them by tomorrow and i’m going to lose my credit. I couldn’t reach customer service and the booklet told me that I would have to go to the store to do it. I can’t wait though!

I’ve been searching through the internet and it seems that I can restore the phone to default without losing my data and pics if I remove like, a sim card or something like that, and then pressing some buttons to restore the cell phone to its factory settings, including passwords.

If this is true, then how can I do it and when do I press the numbers to do it and what buttons do I press? Where’s this sim card thing?
Basically, my friend Daren was messing around on my cell phone and he put a password on my pictures and gallery. It’s not the default password either. It’s a Samsung phone, and i don’t know the model number.

The biggest problem is that I need to get into my pics so I can upload them to my computer. I took a bunch of pictures to complete a project at school, and now i’m not going to be able to get them by tomorrow and i’m going to lose my credit. I couldn’t reach customer service and the booklet told me that I would have to go to the store to do it. I can’t wait though!

I’ve been searching through the internet and it seems that I can restore the phone to default without losing my data and pics if I remove like, a sim card or something like that, and then pressing some buttons to restore the cell phone to its factory settings, including passwords.

NOTE: It’s 2 in the morning. I can’t call HIM! I need to know how to do this! Please help!

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Jenice C wrote:


I am in very bad credit card debt. i owe about 16 thousand and make only $462 a week take home. I also pay $450 a month for rent plus utilities. If i filed for bankruptcy, what are the procedures and how long would it take until i can restore my credit and get credit again (i live in New York city..brooklyn) I keep trying to make payments..since i owe so much i miss payments sometimes and get way off track and have a bad time getting back on track. for instance…i finally payed my chase card $234. the customer service woman said that next payment would only be 120 and now the automated service is telling me my minimum payment is 400….how can i handle that. My main concern is getting out of this without effecting me horribly in the long run? after filing for bankruptcy how long would it take to restore credit…does it apply differently to different people? are their any programs that can help that wont hurt my credit? PLEASE HELP!!!!!!!

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pete k wrote:


Ok people, i am experiencing wiered things with my bank and credit. i owed all this money to credits and banks and im now just checking in on it. to my amazement my credit has been restored i have a providian visa that actually gave me more credit. also i overdraft on my bank ($400 $34 and $8 continous)and didnt pay for like 7 or 8 month. now bank is clear and it is still active so is the credit cards. should go to figure this out or should i just leave it alone? Keep in mind everything is still active and my debt was in the thousands. 13k total

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nwafanusa1 wrote:


Does Debt Settlement restore your credit in fewer years than bankruptcy if your can’t afford debt consolidation?

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