 Capital One? |
| My partner has an arrangement with capital one to repay his credit card at x amount a month. Although this is in place he is getting phone calls constantly pestering him for the full amount. He had ... |
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 Washington Mutual? |
| Has anyone ever heard of the credit card company "Washington Mutual?" Are they a good campany? and how long does it usually thake them to get your credit card to you?... |
|
 What is the statue of limitations for collecting a debt? |
| I live in Washington state. Sixteen years ago, My husband and I moved from town out into the country, we had our phone transfered from one prefix to another, stayed with the same phone company, just ... |
|
 Is it true that if you use your checks it helps build credit for you??? |
i was wondering this for a long time so i finally remember to post it and see if it is true.
i heard that if you send your payments with your personal check you can build credit
is it ... |
|
 Anyone do those rip-off Cash Advance loans? |
| What a way for stupid, poor people to keep going in debt. These places charge 400% interest. I only see junk cars and stupid people insode getting "loans"... |
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 Anyone know this number: 1-888-704-5284? |
| I keep receiving phone calls from this particular number and have no idea who it is and they will not leave a message.... |
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 Will someone give me $20000? |
| I have $20000 in credit card debt that I accumulated when I was in college to help my mom pay her bills when she lost her job. I have been trying to pay it off since, but I am a school teacher and ... |
|
 The Picture Loan Advert? |
Is it true that this got pulled from air because people were sending so many complaints in about how annoying it was.
(The one with the scotaaahh)... |
|
 Who will give me a CREDIT CARD? |
| how do i get a credit card with no credit, im 25 yrs old and paid for my car, education and all other bills in cash since i was 18. so how do i get a card? its not like i cant pay my bills!... |
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 How can I build credit. How can i at least make a score for my credit because its so low it don't have one. |
| I ran a credit report on myself and they said my credit is so low that i dont have a score. Everything I apply for I'm denied. I dont owe anybody nothing at all. What could I do.... |
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 About credit card? |
| how to use an credit card?... |
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 Need actual advise about money problems.. his account under my name, won't pay. ? |
((((This sounds very stupid, I know I shouldn't have done it. Please refrain from telling me how stupid I am. I am only asking for help and nothing more.. or some advise. ))))
I have ... |
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 Is 708 a decent credit score? |
| My credit score is 708. I would like to know if it is a decent score. Also, if it is, do you think that I could get a ten thousand dollar loan from a company that checks the experian credit agency. ... |
|
 Can a credit card creditor place a lien on someone's home to collect a debt? |
| My wife and I are being harressed and threatened by a collection agency over the phone at my wife's work to place a lien on our house if we do not make good the debt. Can a lien be placed on a ... |
|
 How do I build my credit if I don't have any? |
| I do not have any credit and would like to build it up. I am a student currently so my student loans will not show up until I graduate. Do I have to wait until then to build my credit. No credit card ... |
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| What does it mean if i have negative one dollar in my acct? |
| i have a checking acct that has a balance of negative 1 dollar. i checked my acct a week ago from an ATM, and thought that i had a dollar left, when actually i had a negative balance. I didnt realize ... |
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| What happens when Care Credit calls you at work and threatens to sue you? |
| They just called me at work, saying that they were going to file a complaint and then asked if I had an attorney. I told them that I didn't have the money for an attorney and that I didn't ... |
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 How long does it take for bad things on your credit report to get off? |
| I have an unpaid credit card from about 5 years ago. I was very irresponsible then, but now, I don't know which credit card it was or how to contact them. Does it ever go away and if so, how ... |
|
 Canceling a credit card!? |
| I want to cancel my credit card but i need to write a letter to the company! Can you give some ideas to write this letter!? What things should i write!?... |
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paul m | An ex has really ruined my credit rating and now nobody will look at me for a cred card, any ideas? |
I didn't know the extent of the damage she had caused until it was too late but now even those really high interest cards won't even accept my application. Prepaid cards are not what I am looking for. Any help would be most appreciated. |
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smudge
|
Why do you want a credit card??? they will only get you into debt more. Take to a financial advisor and see how you can manage without a credit card, it will be worth it in the end. |
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OriginalBubble
|
Try Vanquis, they specialise in people with bad debts.
Or if you just need a temp money solution try getting a pay day loan, they dont do a credit check at all. |
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Andrew M
 |
if your credit rating has beed ruined there isn't a whole lot you can do, if you've been with your bank for quite a while then try with them, you still might have a good credit scoring with them, you can try an experian credit report for a small fee, that could tell you your actual credit scoring, unfortunatly tho, all defects to your credit scoring can last 3 - 5 years and there is no real way to change this. |
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tickTickTICK
 |
go to www.experian.co.uk where you can get a copy of your credit record and see where she has done the damage. I would maybe bring that report to a credit expert who might suggest contacting the institutions involved and seeing if they can help you any. |
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Jen
|
you can file a personal statement on your credit reports, explaining what you ex-husband did. it could not hurt. other then that, you can try disputing them, but that about it. |
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Boliver Bumgut
 |
Go to a credit union and re-establish yourself. They will help you fix your credit. Debt card, auto deposit, and electronic bill pay can salvage your credit and make you eligible for credit union sponsored loans and credit cards. |
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gardeninghogweed
 |
Try Capitalt one or vanquis card as long as you pay that will repair your credit rating good luck |
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nebula7693
|
It is wise of you not to use prepaid cards. Most of them are scams anyway. Not all, but most.
There are several strategies available to you though I cannot be sure which to tell you about without more information. So I will give you some general education.
The fastest and easiest way is through credit restoration. You will have many people tell you that they are illegal or scams, but there are three in the US who are reputable, legal and have been in business for many years. One of them even offers a money back guarantee. If you want to read an article about how to tell the difference between scams and legits, goto this url: http://groups.google.com/group/managingyourcredit
The thing you need to ask the naysayers is this, what do you have against me saving money on interest? You will probably find that most of the naysayers shut up because they are money lenders. They don't want you to know that you can restore your credit because they want you to pay higher interest rates.
The rest of the people are people who haven't taken the time to educate themselves properly and are only repeating what someone else has said. Americans are very bad about that. We tend to not think for ourselves when there is someone out there willing to do our thinking for us. And then we wonder why our country is in the sorry state...
Well that's another topic for another question. Moving on...
You can try it the more traditional way and just accept defeat and ride it out for the next seven years. This will do no harm at all and will pay off in the long run. And in a couple of years you will start receiving offers for high interest credit cards again anyway as the value of the damage currently on your credit report decreases with age. Remember, no more than three credit cards ever.
And you can always file for bankruptcy. Under the new laws, I would personally not recommend it, though.
If you have any questions regarding credit issues you may email me at nebula7693@yahoo.com |
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toietmoi
|
I am sorry to hear that.
Why don't you check your credit rating free on line. If you think there are wrong information then you could correct it.
http://www.joincreditexpert.com/freecreditreportint/?sc=410006&bcd=interactivehomepage1 |
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georgeygirl
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How has she ruined your credit rating - you must have had a joint account - in which case you have no legal argument because you shouldn't have let it happen.
Or did she steal the card from you and use it without your knowledge - if so then that is fraud and a police matter.
You are now a credit risk and anybody who gives you credit be very wary of, don't phone any company who is in the smal ads because the charge very high interest rates, and don't go to Norton Finance or any of the loan adverts on TV! |
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