 My parent's credit score isn't good enough for me to buy A new Computer! What do I do? |
| OK, so I'm 14 and we have a family PC that is really crappy. I want a Dell that is only 18 dollars a month, which I can afford. But my dad says his credit score isnt good enough, so I have to ... |
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 Since I paid off 3 credit cards, should I just outright cancel all 3 of them? |
| I have 3 store credit cards that I just paid totally off this week. The only other credit card I have is a Amazon Visa. Since the Visa has a lower intrest rate than the store CC I carry.......it is ... |
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 What is the best credit card for me, I have very little credit? |
| I am trying to get a credit card to start my credit, but so far I hve been denied by Capital One and Chase (Master Card.) I am a full time college student and I don't have a job on the books. I... |
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 Payoff Closed Credit Card Account? |
| My credit card account has been closed by the creditor, but it has a balance due in the amount of $908. I'm working to clean up my credit report and payoff any outstanding debts. Should I pay ... |
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 How good does your credit score have to be in order to qualify for a car loan? |
| I want to trade in my car but I don't know if my score is good enough. Its at 687 right now ... |
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 Do credit cards improve your credit score? |
| Im trying to improve my credit score, (which is in the medium poor range), I just opened an unsecured credit card with a small credit limit, (300$), I was thinking of opening another small acount, W... |
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 Bad credit car loan? |
| Okay i have awful credit from past young stupid mistakes. I make great money now and could easily afford a car payment. however, i cannot find anyone willing to take a chance. i realy wish you ... |
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 I have a credit repair guy that says he can remove slow pays etc etc from my credit. for a fee.? |
| Personally I don't care about the ethics behind it I just don't want to get ripped off. He says he can do it for about $300. Anyone out there have any luck with credit repair??... |
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 My bank notified me that a check I wrote was returned. What do I do now? |
It was for a credit card payment to Target. Do I need to go there or will that contact me or will they just try to re-deposit it? I have the money to cover it in my account now.
Additional D... |
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 Why do banks ask for your national insurance number when you're applying for a bank account? do they check |
Additional Details
the number, because i can't remember my number i think i got it right but now i'm not ... |
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 What can a prospective employer see in a credit check done to a prospective employee? |
| What I mean is can they actually go into detail with your accounts, etc.? OR do they only see you "credit rating" or "score"?? Someone with experience as an employer or manager, ... |
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 Do you mostly use cash,write checks,or use a credit card to buy things?? |
| I always use my debit card......i rarely use cash,or write checks unless i am paying a bill.I don't have any credit cards so if i don't have the money in my checking account,iwon't buy ... |
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 What does a 649 fico score mean? |
| I found out my FICO score is 649. The worst thing in my credit report was I missed some payments on a credit card for 3 months about a year ago. Also, I had a lot of open accounts, but I don't ... |
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 Bankruptcy? |
| My freind was made bankrupt about four months agao and i finding it hard to get a debit card he doesnt want an overdraft or anything he just want to be able to get his wages paid in and that has ... |
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 I need help . my friend open a credit card in my named and she add her self as a authorize user .? |
| she apply thru the telephone she have used the card in her named and also made payments. i call the card company and close the account. but they are still want to charge me for the amount. they said ... |
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| How bad is my credit? |
I know I could get my credit score but it costs money and many of you are knowledgeable enough to help me out for free!
I'm only 19 but I want to get a car loan soon. I am wondering ... |
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 Help! The bailiffs are coming.? |
| I've offered what I can afford to pay but they rejected it so I've put it in writing and am waiting for a reply. If this doesn't work and they come to my home how are they allowed to ... |
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NYC | Are paydayloans foreal? |
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Kenneth S
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unfortunately yes they are...but trust me...it's a bad deal all around for the individual. Most charge up to 29% on the loan and make big bucks doing it.
I would never do that...I'd let my lights be turned off before I'd stoop to doing that.
jus like title loans...geeze what are people thinking...might as well go to a pawn shop and lose what you have. |
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Tony M
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Some of these loans charge well over 100% interest. A credit card at 0-25% is a much better option than a payday loan. |
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luvmekttys
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I can tell you by experience that if you get behind on these things, you will owe a lot of interest. At one time I had 4 open loans owing hundreds of dollars to these people. If you plan to pay it back immediately, then you're okay. Just don't let them go longer then one paycheck!!!! |
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jason.cleaver
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Yeah, they work but you really have to know what your doing. These places mostly pray on young irresponsible people so if your going to these places because you can't get money from a safer place then you should probably stay away. Do you really need what ever your going to get with that money or can you tough it out? |
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Ridgely
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don't mess with that it's a HUGE rip off! |
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*****
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Yes they are, their interest rates are probably bordering on usury. |
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jay
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they are REAL AS SHARK`S CAN BE |
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andy
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Actually, payday loans are just legalized money sharking. What is even worse is that Congress is going to reduce their APR to a max of 39% for Military only and that means that they will still fleece the very poor that the Democrats say that they care so much about. |
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Smilin' Fred
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Yes .... and real expensive. Try not to use them because the interest costs will further erode your available cash.
The key to your situation is to increase your income.
I can give you a few perspectives if there's an interest. Just send me an email.
That was an excellent question! |
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supercreditguru
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Speaking as the nation's top credit expert (visit www.LearnAboutCredit.com)
Yes, and having one of them on your credit report will damage your credit scores. DON'T use that kind of lending. OR any finance company either--they harm scores.
If you have to borrow to buy anything except a vehicle or a home, it is a bad idea.
You can always buy more stuff in life if you pay cash. Paying interest is just wasteful for furniture, electronics, etc. |
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jdanley34
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they are for real but they are a trap really if you look at the intrest rates. I got one and it took me 6 mo. to get ahead enough to pay it off. They are a better option than a car title loan. |
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Left_Field
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Run away from those people. They just want to rob you blind. |
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The Advocate
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They are real, I'm not sure they are legal, I question this, although they have a lot of locations. |
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