Help with paying off $2500 debt

[Remedios]

Okay, I'll give you an honest answer

You have a maxed out card. That means you're not capable of paying off your balances.
Lenders are willing to take some risk, but you're at the verge of defaulting again, and they can see you defaulted in the past.

Even if approved, there is nothing preventing you form maxing out new card, too.
So, in a nutshell, you're too much of a high risk customer right now. You need to show a bit of financial responsibility on your end before other issues will consider lending you anything.

Charge offs are also going to be in your way as long as they remain on your CR. While you may "not be too worried about paying those", lenders are.
So, it's not just $2K in debt, but also that $10k.

I understand you're thinking if you had 0% APR, it would be easier to pay off, but what really needs to happen is how you approach credit and finances.
$2000 is quite a bit of money for some, but it's not a mountain of debt. You can do it by making lifestyle adjustments and picking up a bit of extra work if possible.
As it stands right now, I really do not see you qualifying for a BT card.

You can do this, it's going to take a bit off effort, but it can be done.

[Jnbmom]

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@IcyCool7227 wrote:

I have 3 past charge off CCs that total up over $10K. I'm not too worried about paying those right now. One of them is in a collections account with Portfolio Recovery Associates for a little over $2000. Why can't I get a balance transfer though?

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As @Remedios  stated, you are not going to qualify for any BT offers with a maxed out card and 3 chargeoffs.

[Anonymous]

Oh wow...this is one of those occasions where I can't believe what I just read.

@IceyCool7227, what do you do for a living?

[AllZero]

Follow the advise given above.

Save your hard pull inquiries. You will be denied credit.

If you follow some of these rebuild post, you'll see that your debt can be paid off. It'll take time and not impossible. Come up with a plan and a budget to get your credit back in shape.

Portfolio Recovery Associates will do Pay For Delete when you're ready. There's alot of information here for that collection agency.

Good luck.

[IcyCool7227]

I have a better solution. I'll just borrow several bucks from each MyFico forum member and pay you all back within 18 months time. Does that sound good? LOL.

[FireMedic1]

Some will think I'm nuts. But they will understand once I post it. Depending on your weight. You can save many lives and your credit life by donating your plasma. You can earn up to around $300 for donating a month. Twice a week. Hour and a half each visit. Look into your areas donation centers. As we all said. You got to get yourself under control. Fast.

The range in compensation is related to the volume of plasma you're able to donate. The FDA sets the guidelines and the ranges are 110-149 pounds, 150-174 pounds, and 175-400 pounds. The more poundage, the more plasma, and the more cash you're paid.  I know your trying to be cute with that post. But you dont want a third charge off walking the tightrope. Good Luck!

[AllZero]

^ You're not nuts. There's a member here doing that too. Amazing story. Debt paid off so far around $20-30k. I can't recall the exact amount.

[FireMedic1]

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@AllZero wrote:
^ You're not nuts. There's a member here doing that too. Amazing story. Debt paid off so far around $20-30k. I can't recall the exact amount.

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Cool. Didnt know that.

[Jnbmom]

I honestly tried but didn't work for me, however my coworker does it and they will run a bonus every now and then too and you get extra money. She makes a few hundred a month

I apparently have "horrible veins" I went 5 times and nobody could get me, they did pay me 50.00 for my troubles, I really wanted to do it to help people and to make some extra cash.

[FireMedic1]

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@Jnbmom wrote:

I honestly tried but didn't work for me, however my coworker does it and they will run a bonus every now and then too and you get extra money. She makes a few hundred a month

I apparently have "horrible veins" I went 5 times and nobody could get me, they did pay me 50.00 for my troubles, I really wanted to do it to help people and to make some extra cash.

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Wish I was there. I dont miss. The trick is using a BP cuff. That backs up everything. And they will pop up.