 I paid off unpaid balance on my credit report a year back, but my credit report is not updated, what do i do? |
| I had an unpaid balance on an account which i paid in full, and I have a letter from the creditor (dated a year back) indicating that the account has a zero balance. However, my credit report still ... |
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 How to pay bill collectors? |
| I am a kidney transplant patient and will constantly be at doctors offices and hospitals. Just for this year alone I have recieved 4000.00 in bills from the hospital alone. That is my deductible from ... |
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 How long does it take for the record to be off the credit report, if the debt is settled with collector? |
| i have a 1400 in cc debt for the last 3 years, the collection company offered the settlement of 715.51. The actual credit line was 500. the rest are fees. Does anyone know, how to negotiate lesser &... |
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 What businesses other than Woolworth's is the credit crisis affecting? |
| I haven't really been with the credit crisis recently so it would be great if i could know what shops businesses have been ... |
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 Will it be difficult for me to refinance my car loan? |
| I applied yesterday for a new apartment, so obviously my credit will be checked, among other things. My mom co-signed for a new car for me about a year ago and I am now plan to refinance my car loan ... |
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 If i were to break my lease for my apartment would it affect my credit and/or my mother who co-signed? |
first off i do care about my credit and my mothers that is exactly why im asking the question in stead of just doing it.
I moved into an apartment in august with my new husband. we have ... |
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 Does asking for a copy of your credit report affect your FICO score? |
| I would like to request a copy of my credit report from one of the credit reporting companys to see my score. Does it affect my credit the same as it would if a lendor ran a credit check?... |
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 Bad credit question? |
| So I used to have really bad credit. But now I'm making really good money. Will I still always have bad credit?... |
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 Credit Cards? |
| Does anyone know of a place where I can get a credit card, guaranteed? I'm only 18 so I have very little credit, and they turn me down because of that. But you have to start somewhere, right?... |
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 What are some of the best ways to build good credit w/o a credit card? |
| I want to be able to buy a home soon but I don't think I have any credit history and my husband doesn't have the best credit. I would real working answer please, and thank you.... |
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 Last time i paid my credit cards was in 2005, they were charged off, now in collections, can I still be sued? |
| I checked my credit report recently, all the credit card companies have charged them off as bad debt. Can the collection agencies acutally take me to court to force a judgement? Can my wages be ... |
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 How can I improve my credit so that I can get approved for 30k unsecured loan or line of credit? |
| My income is 60K/yr, FICO score 675, 50K student loan in good standing, visa credit card with 3000 limit 3 years old always paid in full on time, 2 old collections reading paid in full on my c. ... |
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 Credit application Fraud? |
| A friend of mine cannot get credit. They have asked me if I would mind putting in a loan application for £400 so they can buy a washer/dryer. He presented me with a completed loan application in my ... |
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 How to check if your parents have searched your credit report using your ss#? |
| My girlfriends parents are asking her weird questions about things that she has purchased on credit without even actually knowing that she purchased them. She thinks as do I that they are checking ... |
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 Is being 10k in credit card debt is bad. Please no advertisements.? |
| 1st thing i want to make clear is I dont want to be poked fun of or badgered. I posted this question a week ago and found nothing but negitive feedback and advertisements for bankrupcies and credit ... |
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david o | Are the pre pay credit cards legit or is it a scam? |
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 |
 
claimbankchargesback
 |
Yes, they are legitimate. The only difference between prepaid cards and normal credit cards is that you have to put money on the card before you can use it, similar to a mobile phone top up.
There is also a small fee to buy the card initially, and then depending on the card some charge a small amount for transactions and topping up. These fees come in because with a credit card, they make money from you by charging you interest. However, because with a prepaid card you're not borrowing money, they can't charge interest and so introduce small charges elsewhere.
The great thing about prepaid cards is anyone can get one. Theres 100% acceptance, even if you have bad credit because your not borrowing money.
Kids over the age of 10 can get one, so they can carry the card and have money if they need if it in an emergency, and their parents can top up their account for them.
Its also great for online buying, as it shields you bank account from fraudsters. Whereas with a normal debit card, someone could empty your whole bank account, with a prepaid card the most they could take is the cards balance, and not take the money from your main account.
For more info about prepaid cards, and comparisons of a range of cards have a look at the site below. |
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danieledwards14489
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They are legimet yes, all genuine, nothing wrong with them. However with all the fee's that are involved anyway it can work out to be a little pricey.. for example.. say you put £10 onto it.. you will proberbly only get 6-8 pounds of that back.. with all the handling fee's and what not. But at the end of the day if you need that spending power then you should go for it :D |
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naplusultra
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They are legit, pick one carefully though, avoid one's with monthly charges. Virgin seems to be the best one if your in UK |
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Boiled Egg
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Provided you are getting them from somewhere reliable and not the bloke down the pub, then yes, they are legit. Talksport do one. Look at:https://www.talksportcard.co.uk/
No fees, just a one off £9.95 to buy one. |
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dimples_in_nj
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It is all about the company that represents the product itself.
Pre-pay credit cards are a good credit repairing vehicle. I only suggest a companies with Visa or Mastercard logos.
There are really three types of secured credit cards.
1. Secured Credit Cards- which require you to open a savings account to the effect of your desired credit limit.
2. Clearing House Cards- which require you only to buy merchandise from them. (Normally overpriced electronics or other goods that they report to the credit agencies)
3. Pre-Paid cards which are mostly intended for those people traveling that want an alternative to cash.
When choosing any credit card I always suggest taking a look at their rating on www.bankrate.com. They will break down all the offers in each class and provide you a good comparison of fees and other limitations. |
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Ask M
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i would just use a debit card |
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Hot Betty J
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Legit!!! I give them to my family that lives out of state of Christmas/Birthdays. |
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lee39s
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no they're legit and a good idea if you don't want to run into debt you can only spend what you have put on it. there is usually a set up fee i paid £10 for bread maestro card with no monthly fee |
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Ms. Rosa
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They are legal and evreyone accpets them with no problem the only catch is when you purchase it you don't actually purchase the card you get a card with serial numbers to activate and then they will give you your actual credit card # exp. Date and CID and then they will mail you the card in like 2 weeks with your name on it and everything. But it works fine it's only 4.95 per month. I used greendot. |
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