 Beating Strip Club Debit Charge? |
Problem: Went out to a strip club Friday night, let myself be taken into the Champagne Room for more then $2000.
I didn't realize how much I had been charged until Monday morning, ... |
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 Does anyone know of any website that you can get a free credit report? |
| no not creditreport.com they say its free but you have to put in your debit card information..and um no..im trying to look for a website that you can actually do it free the first time or something ... |
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 I just been scamed help!!!!!!!!!!!!!!!!!!!!!... |
i bought an playstation 3 on ebay for $400.00 three days ago the seller did not sent me a tracking number since i payed for the item i have not received any thing and it said next day shipping.
... |
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 Do you know anyone who has went bankrupt? |
Additional Details
I was really just wondering because yesterday I was chatting to two people who went bankrupt in the last year and I know a third person who went bankrupt a few years ... |
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 I just got my first credit card. Whats the fastest way to increase my credit score? |
I would like to get a car loan, so how long should I wait for my credit to build?
Additional Details
should I pay more than the minimum or pay the whole thing off? would it make a ... |
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 Why do we have to pay for our own credit report? |
It's my fico score,
My credit info,
Why should I have to pay for it?
What the big deal?... |
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 How much debt do people run up on average?? |
| besides my mortgage(s) i have £20k! i am so depressed about it!! do other people have this much on average?... |
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 Ebay - Item not recieved? |
| Can anyone give me some advice please. I purchased an item on ebay and never received it. Have waited about 28 days for this item. Have communicated with the seller and totally believe they have sent ... |
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 Bank overdraft? |
| i been overdrafted at my bank for 10 days.I owe like 500.00. Now what will happen if i cannot pay the 500.00 at once? I made a huge mistake in calculating my money and im in a big mess.I called the ... |
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 Where can I get a personal loan with really poor credit? |
| I am looking for a personal loan, but I am having a hard time,My credit score is low due to my credit cards being at their limits. I want to pay them off to bring my score back up. I also promised ... |
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 How do I get my credit score up? |
| I had a pretty good credit score at about 755, I then applied for a couple credit cards and it went down quite a bit. I want to get my score back up to where it used to so how is that possible?... |
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 I need $6,000 in 2 days. I have bad credit. Got any suggestions? HELP!? |
| My friend helped me to buy a car, and I was told by a credit union, that I could get a lean on it, so then I couldn't have paid my friend right back. Well, after my friend loaned me the money, ... |
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 I went to a nightclub last night and went to withdraw £20 and it gave me £40 out the cash machine? |
| i then put my card back in and asked for £200 and it didnt let me down it paid out £400, plus the receipt only said £200. now i have heard from a friend that banks can try and claim the money back ... |
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Steve & Tracy | As i have a bad credit i cant get a bank account at all, what can i do ???? |
been to lots of banks and they keep saying no. I need a bank account |
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Jem
 |
Similar situation - got my self stupidly in debt as a student which effected my credit rating big time
I opened an abbey basic account. Again no cheque books, debit cards or overdraft, but you can use it for Direct Debits and Standing Orders which is useful
A way i've started rebuilding my credit is to get one of those "Credit Building credit cards" I've got a capital one card (Not the platinum) they approve practically everybody. DONT use it too much, but if you must, dont stop paying any credit you owe off. One good thing is they can set the credit limit off at £200, so you cant get stupidly in debt with cards again. And if you pay it off every month it slowly starts to rebuild your credit apparently (Seems to be working, i'm now passing a few more credit checks than I used to!) only thing is, it is high interest so that is why you need to be careful with them
Also, if you've just been "Blacklisted" (Ie - no CCJS, but your credit limit is cr@p through defaulting on payments) I heard it takes 3 years for that to clear, 6 years for bankrupcy and CCJ's - but dont hold me to that.
Good luck - it sucks but once you pay it off, BEST feeling in the world. What annoys me is that i'm now in a better financial state than all my friends and family, no debts etc, but I'm still a credit risk! GRRRR! Oh well, price you pay. I've learnt my lesson! |
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Achman
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If you have lots of money then you can open a bank account at Cayman Islands ( I have seen this in several movies). As long as u have money they dont care whether u have bad credits or not |
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Mr. KnowItAll
 |
try a savings account. |
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lingua06437
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Take responsibility for it.
Get your credit reports from the 3 bureaus. Go to their websites and order them or call for them. You get one a year. The bureaus are :transunion, experian and equifax.
Fix any errors in your credit reports. Pay off your debts and judgements.
Go to www.bankrate.com and read up on fixing your credit.
Make sure you cancel any cards you don't use.
Start building a line of credit. You might have to get a secured card - which means you have to put money down first and you can never take out more than you put down. Also see if you can get some store cards or gas cards.
Pay all your bills on time.
Never max out any cards you get.
Never use more than one third of the credit you are offered - and never max out a card.
It will take 6 months to a year, but if you stay at it you will get a much better credit rating. |
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sly`
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Well, I have a terrible credit rating and I was still able to get a basic bank account, so I shudder to think what situation you're in.
Anyway, try the Post Office, I got one from HSBC so maybe they're more liberal in dishing out the accounts.
Failing that, unless you can get someone else to open one up and effectively give you the account my giving you the cards and pin numbers, I don't think you can get one.
Try the Citizens Advice Bureau, they helped me with my debt and were pretty useful. |
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Harvy S
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Try using a paypal account. |
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Helen D
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try the post office! |
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hotgal3
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not sure if you are in the U.K or not but if you are you could try natwest. you may get an account called the step account which is one down from a 'proper' current account it also has a solo card so you can pay for things online etc.... hope this helps |
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bekkibex
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i have terrible credit too and i opened a nationwide flex account. its a basic cash card account u cant go overdrawn but can have direct debits standing orders online banking just no cheque book or overdraft. i tried every other bank but the only account i can have is this. they also welcome bancrupts. |
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bananabex
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try and get a post office account.
they are just the same as a simple bank account |
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Elite female
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Read some useful tips on this site on how to rebuild credit |
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Unique
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Attempt to get an on-line account with a known bank, like bank america.
Good luck! |
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DrGonzo44
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bad checks? |
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Health Freak
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what they will do, is give you a very basic bank account, literally called a basic account.
Sometimes they dont allow direct debits or debit or switch cards.
You will have a basic 'hole in the wall' card Very limited those sorts of accounts.
i am sure back in the day, all you needed to do was prove your age and address and you had a bank account!
Now you have to get credit checked! How times have changed. |
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catnipsam
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HI Babe, I feel for you as Ive been there. It is hard to get a bank account but most banks will set up an account for you. Its just that you wont be allowed a cheque book, overdraft facilities etc it will just be a basic account with a hole in the wall card. So you wont be allowed to take out money that isnt there but at least you can get paid your wages into it, but you wont be allowed direct debits. Im with the HSBC and as long as your upfront with them and tell them you just want a basic account they will do it for you. And dont be embarrassed about asking, good luck! |
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treepeople88
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Usually you can get an account at Wells Fargo unless you owe another bank money. Meaning you are overdrawn with another bank and you never payed the balance off. If that happened you probably won't get an account until you pay off that balance. |
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theboyneil
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go on the game |
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ShouldBeWorking
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Usually bank accounts aren't based on credit such as your credit score, it's based on your history with other banks. They use a universal system called ChexSystems that each institution reports if people abuse their accounts, etc. When these banks are rejected you they need to be either giving you a reason, or a phone number to call ChexSystems to find the reason. I would call them and see what is negative on their about you, and even if you can't clear up your entire credit clean up these items. Once a little time has passed, like a year, and they see the items have been taken care of, they are more likely to approve you for an account. Also, start with just a savingss account, and then work up to checking once they have had you as a customer in good standing. |
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❂ BlueBerry ❂
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any bank [in europe] will open an account for you, providing you cash in some money [50 quid]. as they might charge you for every transaction you might do they will close the account as soon you run out of funds.
having bad credit they wont allow you to set up direct debits, standing orders, wont give you credit cards, loans or overdraft facilities.
they will give you a cash card and thats it. |
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jacqueline e
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I dealt with this by going to lloyds tsb with a genuine letter offering me employment with a decent salary and convinced them to give me a cash account, anyone shouold be able to open one of these. You only get a cash card, no credit, no cheque book etc., but if you keep the account in order for 3 years they will upgrade it to a better account. Good Luck. |
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♪ GOTH CHICK♫
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Your own fault. |
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boo1972
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Depending where you live most cities have credit union where you can open a checking/saving account as long as live or work in that state or city---Only thing you may not be able to receive a check card with the visa logo on it--but you will receive a debit card w/o the logo and you can make purchase with that card---you just don't get the visa benefits.----I hope this helps |
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