 Does anyone know the quickest way to improve your credit? |
| I mean besides paying it off... are there any companies out there that will help you reduce your debt.. besides the obvious credit counseling services that are advertised on TV and such. Ive heard ... |
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 Can a bank require you to have TWO Appraisals when applying for a Home Equity Loan? |
| I'm quite frustrated at the process involved with trying to get a home equity loan. Last week an appraiser did a drive-by appraisal and the value came back just fine. NOW, they're ... |
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 I couldn't pay back a payday loan and they said that are going to put me as a fradulant check writer? |
| Can they do that? I tried to make a payment arrangement but they wouldn't let me. What should I do?... |
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 Which credit card, in your opinon is the best to get? and why? |
I have been wanting to get a credit card for emergency purposes. I just dont know which one to get. there are so many!
Additional Details
I have good credit. I have other credit cards to ... |
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 How can I get a real free credit report? |
| What I specificly need is the companies that have reported against me.... |
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 Can a debt collection agency attempt to collect money they say is still owed to the original owner? |
| My husband and I purchased a vehicle in 2004. We couldn't afford the paymets, so we returned the vehicle to the bank. They sold the vehicle for less than what was owed. Now three years later, a ... |
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 It's my business and problem right? |
| My mom called my boyfriend of 8 mnths ranting over a cell phone I asked for her to buy when my razor went out the other day. I promised 2 pay her back. Unfortunately I never hav money for emergencies ... |
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 Does anyone have experience buying a used car with terrible credit?I have a high income of around 100K? |
| The bad credit comes from charge-offs on unsecured credit cards. i have had a mortgage for the past year in perfect standing.... |
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 Reason for 0% APR Cards? |
| What is the reason for credit card companies offering a 0% apr card apart from the usual promotional spin? Is there somnething to do with the economic cycle we are in?... |
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 Can anyone help me finanially? |
Would anyone like to send me money so I can support fiancially for next 3 month or so.
Something happend and need help.
Additional Details
bijan a
I'm a good person but ... |
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 E Bay Debt?? |
| Just received a formal demand,from a debt collector on behalf of unpaid e bay fees,for advertising a car that wasn,t sold,the fees were for £130,i think that is ridiculous,should i pay,or ignore??... |
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 Catalogue debt? |
| Does anyone know if it is possible to transfer catalogue debts into someone elses name? I have a customer who has ordered quite a lot of things from my catalogue and now can't afford to pay and ... |
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 How do you add good things to your credit? |
| I am 24, will be 25 in June. I have a 4 year old son. I don't own any cars, rent any cars or furniture, etc. I don't have a cell phone, or even a bank account. I do rent the top half of ... |
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 Credit Cards and Not Paying Them? |
| I owe two credit cards money. I've tried everything but I can't seem to pay them anymore. My lover racked up the bills before she took off on me. I owe about $4000 on one and about $1000 ... |
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smorgan | Am going bonkers......can someone explain in simple terms whats this credit score and why should it be good!? |
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Dr.Know
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A credit score is a measure of how financially stable an individual is. It is based on numerous factors including employement history, income, real estate ownership, outstanding debt, debt payment history, etc. In essance, it is a measure used by lenders to determine the likehood that a loan will be repaid in a timely and orderly fashion.
Why should it be good? Basicall, the lower the credit score is, the less the lenders will believe that the loan will be paid off. As a result, they will charge higher interest and/or offer smaller loans to compensate for their increased risk. |
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chartley
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There are 3 credit score companies that keep track of your score. Credit scores are the scores that creditors look at to determine:
1 How much interest rate they should charge you.
2. How much money they should lend.
You should try to keep two of the threes scores above 720. This will allow you to:
1. Pay less interest than the rest at least a quarter point which in turn keep more money to yourself.
2. Don't have to put money down for some properties. More money to invest or spend. |
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linkUS
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Credit scores are created by three huge credit monitoring companies. They track activity by SSN and give points based on the types of activities. If you have a judgenemt, money owed and awarded by a court, then it subtracts. If you have a paid in full loan, it adds. Things like regular payments add, home loan foreclosures subtract.
Hope this helps |
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Studly
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They very best source to find this out is to go to the site of the folks who developed the FICO Score. See the link below.
Generally, it is a quick and dirty method that creditors use to evaluate your credit worthiness. By using a formula, and examing credit history, late payments, debt/credit rations, etc....a number is calculated that is given to the creditor.
The sad part is many times they only look at this score, and NEVER at other factors, such as disputed negative reports, recent financial problems, or current finances. |
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knowsitall
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If you want a motgage loan to buy a house lenders look at your credit score to see if you are loan-worthy. If you are not buying a house or taking out a loan over $100,000 you don't need to worry about it.
There are dozens of things that go into the credit score. |
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Joker
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A credit score merely shows in one simple output how risky it is to lend you money based on a 7-year track record. The higher the number the less risky you are and the more likely you will repay the loan in full with interest.
A higher number entitles you to lower interest rates, better terms and more credit. |
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mickey
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Even i dont know |
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smartmitch
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your credit score is a reflection of how much credit you have available, how much of it you use, and how good you are at paying your bills on time.
they basically take those three factors, use some kind of math to combine their weights, and poof you get a credit score.
thats really it as simple as it gets |
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dogma21
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credit score is what finance companies and banks look at when you go to buy a car,house,or other item that might need to be financed.If your score is bad,they will not attempt to finance you.You will be going to one of those "we finance"car lots and paying alot more money for your car.You will also not be able yto buy a house or other items with bad scores. |
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