 Is it wise for me to get another credit card? |
| I'm a 23 year old college student. I currently have one card with a limit of $3000 and a balance of about $500 (which I am paying $100 every month to pay off). My aunt mentioned that I might ... |
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 What Credit cards should I close to maximize my score? |
I just paid off all of my credit cards and now I'm left with the following cards all with zero balances (I know it's a lot, sorry):
Card Date Opened C... |
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 Do you think we should stop making pennies??? |
Additional Details
tell me why you said what you ... |
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 My sister used my credit card without permission. Over 15,000. She is making monthly payments.? |
| If I report the unauthorized charges to Chase what will they do to her? She is making the monthly payment, and plans to pay it all off. Will Chase still press charges against her if she is willing to ... |
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 Had anyone hear of this loan company? |
| Hi,has anyone heard of a loan company called walker hammond,i applies for a loan from them but they said i had been accepted but needed a fee of £39.99....can anyone give me anysort of advise of ... |
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 Doctor's bill from the past!? |
| I received a letter of demand from the on-call doctor for my hospital stay almost 4 years ago. I was admitted for chest pain and irregular heartbeat. I felt 'Doc Q' was incompetent: S... |
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 Is having 5-6 credit cards bad for your credit score? |
| I heard that having too many credit cards was bad for your credit. If I have 4 Store Credit Cards and 1 Visa Card and am planning to get another FINAL major credit card...is that too much?... |
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 Is it a wise decision to use student loans to pay off credit cards? |
| I have no undergraduate loans at all and want to pay off my credit cards instead. I hope to pay off the student loans I use to pay off my credit cards before I graduate since I know I won't be ... |
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 Can I get credit card in a small town of Karnataka? |
| I wanted to have a credit card to set up an online business. But being in a small town place, I found out that it is not possible to have a credit card. Can I get one? If no, then can I have credit ... |
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 Payday and no pay? |
| payday today but not got paid...work for private company and have young child and bills to pay direct debits due to come out my account today but no money in bank to pay them....dont have my payslip ... |
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 What happens if you lose your job when you have applied for a credit card? |
| i have applied for a credit card and i told them that i had just been hired. i was there 2 weeks and they ended my contract. do i have to tell them i am now earning less and can i still use the ... |
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 I have no credit!? |
| I have no credit at all! I have been applying for credit cards to try and build my credit up but none of them is giving me a chance. I would really like some credit! I couldn't even switch to a ... |
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 Could some please explain a little about establishing good credit? |
| I really don't understand credit scores --- I don't have a credit card or anything -- could some please explain a little about establishing good credit -- what's a good credit score ... |
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 Regarding credit cards and credit scores? |
| I have no credit and no job. I keep getting these "pre-approved" cards in the mail. I want to build credit so this is my strategy. Buy three cards A,B,C card A I buy 700 bucks is consumer ... |
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 What is a good website to get a payday loan? |
| I try to apply for one but it keep sending me to other loan pages.... |
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 I've got $60,000, what to do? |
| I've got $60,000~, I'm a sophmore in college, but not interested in academics at all and would like to pursue other interests. Is there something I could do with that $$$? Finance my own ... |
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fiebru1969 | Are there any real resolutions for someone with a bad credit score!? |
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Tag Your It
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Yeah, stop buying Sh** you don't need. And pay off your debts. |
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swimmom
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Time and responsible action. Pay off all debts, starting with the oldest, highest rate. Don't make new debt until everything is straightend out. Then pay off any cards monthly. If you can't afford it (don't have the $ in the bank) don't buy it.
If there are errors on your report, fight them. Don't pay anyone to do this type of work for you.
If you are in real financial trouble there may be some help with consumer credit counselors, but I have heard that it is difficult to qualify for this.
Make a budget and stick to it and get out of debt. |
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My Big Bear Ron
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It can be a slow process, but it can be done.
Some CC companies offer accts. that are secured by a savings acct. with them. The balance of your savings account is your credit limit. They increase the limit based on your credit performance. Providian has offerred this before.
The very best thing you can do is pay your bills, car payments, mortgage payments, etc. on time every time without fail. Also, get rid of all but a couple credit card accounts. Keep the older ones if you can. Your long history (hopefully good) will help your report look better.
With good performance, your rating will improve, and then you will be eligible for all sorts of offers. However, I urge you to learn how to get pleasure from tearing such offers up for the trash. I tear over a dozen such offers every week...with pleasure. |
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Frank Castle
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Yes |
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hELi}{nEbULa*[NGC7293]
 |
Payoff & destroy ALL your credit cards; then get credit counseling! |
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ghaaad
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check out these discussion boards
www.creditnet.com
www.artofcredit.com
They are very informative. They helped me clean up my credit. |
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babeegirl_69
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You can get one of those high intest rate credit cards that are suppose to help rebuild credit. |
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teresadick30
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www.creditsoup.com and www.creditsoup.com I used both these websites and w/in 1 year my credit was good enough to purchase a home and a new car!
Best of luck |
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humanresourcesman
 |
If your score is bad because you have missed a lot of payments, etc. it is tough. But if you just have a poor debt to income ratio, try consolidating your debt into one account at a good interest rate. This will help your score and save you money. Also, some CC companies will give you a chance if you are "Green" no matter what your credit score. Others will never give you a card if your score is bad. If you have been late on payments try to pay off these accounts or consolidate them and add a statement to your credit bureau file saying the payments being late were a misunderstanding as to the true deadlines. This may help. |
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Credit Guru
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First off, where did you get your "bad" credit score from, which bureau, and why is it bad. (Public records like Bankruptcy or Judgments, Collections, Late Payments, repossessions) Depending on what information is in your files will determine what is affecting your score.
Get copies of your credit reports at www.annualcreditreports.com. Review them and dispute the incorrect and unverifiable information (or hire a reputable law firm to dispute them for you) and start the credit clean up process. If your credit as bad as you say it is this will take about a year. Don't apply for any credit during this time unless absolutely neccesary.
When you feel that your files are as "clean" as they can be go to www.myfico.com/12 and get the real credit scores from the 3 credit bureaus along with the top 4 reasons that your scores aren't higher
GOOD LUCK |
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