 How can i build my credit? |
| I am young and have been trying to establish some type of good credit. Besides the normal- renting an apartment, buying a car, having bills in my name, making sure i pay on time, and applying for ... |
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 How much could someone actually do with a million dollars(like give examples!)? |
| It just doesn't seem like that much money to me. Someone asked on here, if someone offered you one million dollars would you stop watching television forever and I said no, even though I barely ... |
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 I have a credit score of 575? |
and i payed down half of my credit card. and payed off a collection do you think it should bring my score up by 5 or more points did this biginning of last month
Additional Details
also ... |
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 I'm broke and I can't pay my credit card... what should I do? |
| My company closed and I'm out of job at the moment but it would take some time for me to recover financially. I can't pay my credit card. What should I do? Please help...... |
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 I have a very bad credit score and I need a loan,Does anyone know of Institutions that lend to people like me? |
| I don't have it because I don't pay creditors back, but because I just got divorce and my husband ruin both our credit. (why I am divorce) Anyhow, I am trying to rebuilt my credit, but I ... |
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 How many credit cards should I have? |
| I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what's d' ... |
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 Closing A Credit Card? |
| If you want to close a credit card will it affect your credit (will your credit score be low) b/c a want to close a Best Buy Credit Card and i dont want anything from them anymore i have other credit ... |
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 There are 3 people in my family with the same name but different SS# having problems with credit HELP US? |
| Me, my sister, and my aunt have the same name but we have different SS#'s my sister middle name is different but the initial on middle name is the same my aunt and my name are exactly the same. O... |
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 Where is a good place to get a car loan or a home equity loan if you have not so perfect credit? |
| where is a good place to get a loan for poor credit. my x husband ruined my credit now i need to get a car or a home equity loan any suggestions?... |
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 I wrote an entire book of bad checks up to $400 each. Where can I go for help financially? |
| I have a job. But it looks like I will need nearly $5000 to pay for my mistakes, and much sooner then I can come up with it. Does anyone know of a service that will help me with this? I have awful ... |
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 My Mom used my name and ss# to open credit cards...ADVICE PLEASE!!!? |
| When I was little my mother had TERRIBLE credit (no fault of her own - she cosigned for my dad and he left and never paid the bills) - so she opened up credit cards in my name with my social security ... |
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 Can i get this loan through my credit union? |
| I've been working at my job for a year and a half but i have no credit. At the same time, i don't have any financial obligations besides gas. I'm going to ask for 10k and the highest ... |
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 I just paid off my car loan and a credit card. But my FICO score dropped 32 points, why? I'm paying my debt! |
| I'm paying off all my credit cards, not closing them. But I want $0 balances on them. I paid off my car 6 months early, I never missed a payment and I was never late. Why would I be punished for ... |
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infiniti1113 | A lot of people are saying credit card is evil and avoid it if you're a student but...? |
isn't credit card needed to build credit score, which is needed in many aspects of life? For instance wouldn't a student with good credit score have a better chance of securing a job than his no credit history counterparts if all other things being equal? Also, don't people rely on credit score for big purchases like cars and houses? So, shouldn't a person start building credit as soon as possible for future benefits? I don't know I read so many post about people telling student shouldn't get credit cards because he/she could be in debt and file a bankrupsy. I need some input from people about this issue cause I'm thinking about getting a credit card soon, and I think I'm sharp enough to avoid getting into the "credit card trap" people are talking about |
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nhan_andy
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Credit card is not evil or anything like that, the real evil is our spending habits. Living in this society today, the 3 most important digits are the credit score, and most of the time the credit report is even more powerful than any degree. I would take an 800 score over $300,000 in cash, and I would take a clean power credit report over any degree. If anyone think I'm "bs" , you need to think again . Now ask yourself this question : who would give you a credit line of $100,000 ? Not your best friend, your lover , not even your family or your parents. But , with an 800 score, there are many reputable banks begging you to accept their credit cards offers. They don't even care to verify your income or employee.
1 last note . If you're making $100,000/year and have a poor credit score, you won't even be approve for a $500 credit card even though they have verified your employee/income. |
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Mr.Morgan
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your parents and grandparents never had a credit score, yet they were able to buy homes and cars without it. You do not need a credit history to get a good job, just a good education. Cash is they only thing you need. You never get a bad score if you always pay with just plain old cash....live hard, love harder. |
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webworm90
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I don't agree with nhan_andy. You can still get a credit card with bad credit. I know. I had three. Now I have two. One was so annoying about selling the credit insurance I canceled that one. I filed bankruptcy 4 years ago. My credit limit is $1,200 and $1,500 but I don't use it. |
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beer_farts
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yes you need a CC to build credit as long as you are responsible |
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jititi j
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How to Manage Multiple Credit Cards
With the rising competition in the credit card market, many issuers are launching new cards with attractive features to entice people into applying for their cards. As a result, it has become very commonplace for people to own more than one credit card. But what they forget is that using multiple cards means proper management ... |
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auntsarita
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yes credit card do up your score only if you pay them ontime. so many people ruin their credit because a card seems like
" easy money" in reality it is a " hard time" to pay off if you go out of control which alot of students have done and suffer in debt for years for it. some foolishly "live off of their cards"
if you get a card, BE EXTRA CAREFUL HOW YOU SPEND
if you don't have the money to pay the bill in fullwhen it comes in then don't use the card...that's the way I do it and I have had execllent credit for years. Better to do without than go in debt. |
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Ross
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Yes, Credit is needed to build a credit score, but it is not necessary to live. I would rather have a low credit score and cash to make my purchases with. A good credit score has nothing to do with your net worth. A millionaire who does not borrow money will have a poor credit score. If you pay cash for your purchases you don't pay interest. Take all of that money to invest and you will be rich-instead of making the credit card companies rich. |
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Kit
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There are many ways to establish a credit record WITH OUT A CREDIT CARD!!! A credit card is nothing more than a trap for our young people getting started in life.. If you are an expert in credit management then I would say yes to you getting a credit card.. It's not FREE money and you CAN'T get out of credit card dept by filing bankruptcy. CHECK IT OUT!!!!! Stay out of the credit trap if you are young and starting collage. Your dept at the end of collage is going to be great enough with out adding on the credit dept.... I wish that the collages would put on classes on credit cards and the hazards of using credit while in collage.. This would help students to manage their credit lines not only in school but in life.. |
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angelinecja
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Credit card is good if we are able to use it wisely and pay the entire amount owing |
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99CLOUD99
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Just use it responsibly. Don't live beyond your means. |
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late fee
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i would recommend getting a credit card, but be sure to pay the full amount or else it's gonna affect your score. |
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