 Credit cards?!? |
I need to build up my credit, because i have basically none!
and today i was talking to a lady at my bank and she said to apply for a credit card
my question is, if you have one ... |
|
 652 credit score, is it good? |
| just checked my credit score. it was 652 is this a good score? could I get a home loan with this?... |
|
 What do i do with a 530 credit score? |
| i have a credit score of 530, i cant open any checkings or savings accounts with any banks or get any credit cards, and i have never had a credit card. how do i get my credit up?... |
|
 Does bankruptcy help or hurt your credit? |
| My mother is thinking about filing bankruptcy and I have heard so many conflicted stories about what it can do for your credit, some say good, some say bad..Please share your personal stories and ... |
|
 What department store credit card do you have? |
| I'm doing a poll on how many people have department store cards.... |
|
 Pd off a collection 2years ago and now still getting harassed what are my rights? |
| I am sitting here very ticked off. I got a call from a collector demanding payment from a account that i pd them 2 years ago. I told this guy that and he laughed, he then told me i have 2 days to ... |
|
 How can I fix my husbands credit report!? |
| On My husbands credit report it has Verizon Wireless 18 times on there for the same bill, apparently it went to collections and then that collection agency sold it to another collection agency and so ... |
|
 Do I get charged if I don't use my credit card in a while? |
| I am with Capital One, and they suck. They find any way to screw me over and I'm very good about paying my bill on time and paying the full amount all at once. The only time I was ever late ... |
|
| How do you buy a engagement ring with bad credit? |
I have bad credit, and no bank account, but want to buy an engagement ring? How can I get one if I can't get any credit?
Additional Details
But I have about a month and I'm ... |
|
 How do i go from no credit to good credit fast? |
| basically, i'm 23 and never got a credit card. i saw too many people go way into debt. but now i feel it's time, but whats the best way. how do i get a card? through who? and how do i use ... |
|
 Secured credit cards? |
| i have zero credit. get paid under the table. i need to build my credit. I was on a website that has secured credit cards platnium cards. The apr is 19%. Are these good starter cards? I never tried ... |
|
 Credit Score? |
| Does it affect my credit score if I close credit card accounts I havent' used for over a year. I don't use them any more so I called them and had them closed. I still have at least 10 ... |
|
 Cab husband be responsible for debt? |
Can my husband be held responsible in court for my credit card debt if he had no knowledge of the debt?
I am being taken to court for a credit card debt
Do they try to bring into court the ... |
|
 How can I stop collection agencies to stop calling me? |
| I had a financial crisis a couple years ago when I lost my job, but am working now. I had a couple debts go into collections and they are calling me 10 times a day.... |
|
 Credit rating? |
| my credit rating is really bad and am finding it really hard to get a loan my only option is to get one of the likes of yes loans and places like that do you know which one would be the best?? i ... |
|
|  |
thats_me22 | Am I really in debt? |
My credit score sucks (514-experian)... But there isn't really that much stuff on my credit report... and the stuff added together doesn't even come close to $10,000.. Would I be considered in debt...
Additional Details
The problems:
1. credit card #1= $1500.00
2. credit card #2= $900.00
3. Commerce account(isn't on report but should be)= $2600
4. bank account(isn't on report)= $515.00
No Problem paying these off:
1. macy's card= $550.00
2. Car loan(in my name but someone else paying off)= $4000 |
 |
 
h_carlin
|
yes that would be in debt. any balances that are not paid off becomes a debt...It is not alot but you are carrying balances which companies see as you can not pay that back so therefore you are in debt. |
|
happyhitler
 |
well 1$ would be in debt |
|
SmartA$$
|
It depends what kind of debt. If you owe $10,000 on a credit card, that's a lot.
If you owe $10,000 in student loans, that's a moderate debt but no big deal
If you owe $10,000 on a house, creditors won't even blink to give you more credit.
Type of debt is very important. Also credit history, record of on-time payments and debt to credit ratio are big factors in your credit score. |
|
bdancer222
 |
If you owe anything, you are in debt.
Are there derogatory items on that credit report? Or is everything relatively new? You score is based more on the length of your credit history and payment history than how much you owe. |
|
its_me!
|
Debt is money that someone else lends you, on the understanding that you'll pay it back. So to answer your questions ... are you in debt.... yes you are and your not alone we are all in debt. Your FICO score might be low if you have a lot of open accounts or if you have been sending late payments, skipping payments. If you want to bring up your score be on time with payments and try to pay off the accounts you owe least on.
=) |
|
Dewey H
|
Any amount unpaid to your creditors is termed as debts. You should start paying your debts otherwise it would hurt your credit even more.
If you are not able to manage your debts on your own then there are debt consolidation companies out there to help you with paying off your debts by providing you an affordable debt management plan wherein you have to pay one installment each month.
Here is the source of a debt consolidation company http://ezconsolidation.com for your reference |
|
cosmoe o
|
As long as your money is the RED you are in debt. You should start paying off the smallest amounts first. Next time you ask your self am i in debt? Ask you self ...if i stopped working do i have to worry about paying anyone. |
|
Reality Check
|
Your Experian score isn't what lenders are looking at. They look at your FICO score, which is based off your Equifax report. You can get this score from either FICO or Equifax...it's the same score.
You say you don't even come close to 10k in debt....but that could mean $1000 in debt, or $8000 in debt, there's a big difference. Are you really in debt? Well...that depends, what are your debts. |
|
Esteban
|
No your in debt! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 17 minutes(s) ago
| | | |
8 | 37 minutes(s) ago
| | | |
9 | 46 minutes(s) ago
| | | |
8 | 54 minutes(s) ago
| | | |
9 | 2 hour(s) ago
| | | |
9 | 4 hour(s) ago
| | | |
8 | 9 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
9 | 5 day(s) ago
| | | |
9 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
