 Is a pre paid credit card a real credit card? |
i keep seeing offers for them and i wanted to know if its like a regular credit card except u can add $
i am planning a trip and need to rent a car and i know most rental places only takes ... |
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 How much credit can I have? I have a $42k auto loan, income of $95k annual.? |
| I also pay mortgage, around $2300/mo, around $860/mo for the car. Income is $95k/yr and about $8k/mo. I know that lenders tend to have a limit of some percentage of your income allowable to be used ... |
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 How do I get rid of a new, un-activated card? |
I applied for a credit card last week, and it arrived in the mail today, but circumstances changed, and I no longer want it.
It still has the sticker on it that says to call the number in ... |
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 Bad debt written off? |
| I had a discussion with someone who said that companies will write off bad debt after 5 years of trying to recover it, i disagree, does anyone know the actual facts about this?... |
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| How can I start my credit? I just turned 18.? |
| I just turned 18 and im in college, and I have applied for student visas, discover, and american express cards, but have been denied because i have no credit. isnt that what the student card is for? ... |
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 I have no credit and need to establish some. Where can I get a credit card with no credit requirments? |
| I have already applied for two credit cards and was denied because I had no credit or not enough income. I am a college student and figure it is a good idea to start establishing some credit. I plan ... |
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 14 year old having a debit card. What do you think.? |
| When it comes to money I am extremely responsible.When ever I get a gift card, I always check online what the balance is, before I buy anything with it. I dont go online to random websites and put my ... |
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 The loan is in his name BUT I've made every single payment? |
| So the guy I live with has a loan through American General Finance in his name and for reasons I won't get into here (too long of a story) I am the one making all the payments. If it matter I ... |
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 Can you buy a car with a credit card? |
| I've never had a cc with a high limit like over 20,000. I wonder if you can make big purchases like a brand new car all in one payment with a card like that, or do they put a cap on how much you ... |
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 Where can i learn how to fix my credit, deleting? |
| A friend of mine got some of his credit deleted. Brought his credit score up to 800... |
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 My dad used my name to get gas in his hosue when i was 15 and now i have a 1800 dollar bill to the gas comapn |
| is there anything i can do to get rid of this because i think it is unfair that i have to pay this bill that i did not create for myself please help becase i am a college student and it is also ... |
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 My sister gave me a personal check "named to her" as a payment for the money she owed me.? |
| Definitely, I can't encash this check because it was named to her....so, If I will deposit this check into my bank account, will the amount of money indicated in the check arrive in my account ... |
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 Does paying off a car loan early save on interest? |
| I just took out a car loan that seems to be a mistake. (At an interest rate of 19.58% on a 12,777 laon) Since i have no knowledge about finances i first wanted to know if this was a bad decision. ... |
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 18 years old, where can I apply for a credit card? |
| It seems that everything on the internet revolves around having a credit card. Even "all-age" video games with online subscriptions. Ironic there. It's just that I don't have a ... |
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 Could you go to jail for not paying a credit card bill? |
im like $1000 in debt, im still going to school so its difficult for me to work and actually pay my debt.
i got a phonecall from a creepy guy this morning talking about a lawsuit or ... |
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Jim | Bad credit score! how do i get it back up? |
My credit score is very very very low. How do i get it back up? Should i file for bankruptcy? I have alot of credit card bills, hospital bills, child support, repo and a few other things. If you think i should file for bankruptcy how do i go about doing that and is it going to cost me alot? This is in the state of florida. and i just thought i should say it my credit score is 324. |
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Baby G
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you can file for bankruptcy but its not going to help you out that much |
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stephen l
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Bankruptcy cost $600, you should try do it yourself credit repair first. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact. |
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Alletery
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Use the credit score simulator in the link below. You can put in various financial scenarios to see what increases and decreases your credit score.
http://www.truecredit.com/help/learnCenter/welcome/scoreSimulator.jsp |
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grierGRIER h
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1. Use the credit card only when absolutely essential. Pay your regular expenses by cash or a debit card. This will help you budget and not go overboard with credit card debt.
2. Follow repayment schedules like religion. Don't miss out and invite late payment fees, increased APR rates and blocked reward programs.
3. Don't stick to the monthly minimum payment. Pay the maximum you can afford and get that outstanding debt cleared as fast as possible. By just paying the monthly minimum the credit card companies reap the maximum rewards while, as a consumer you pay the maximum interest.
4. Get rid of multiple credit cards. Although this might sound difficult, but if you are struggling to repay on time and, juggling with the repayment dates is causing you to default- it's time to think. If there is a genuine need to keep multiple credit cards, then try to automate their monthly payments. This will ensure that you don't default unwillingly and face the negative consequences. Read more from: http://www.credit-card-gallery.com/article/264,5_not_to_miss_things_for_a_good_credit_score |
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Maalru3
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I know where I live they have changed the bankruptcy laws and it is harder to get. It costs somewhere around 1000.00 to claim it. You can go in and talk to a bankruptcy lawyer and they can tell you if they think it is a good decision for you. I did it. I had a repo, my debt was only around 10,000.00, but because i was getting ready to graduate collage and going to have student loans to repay, we decided it was a good choice for me because with the repo they would have probubly garnished my wages for the remaining balance on the repo. basically it would have all snowballed and because of repaying student loans I decided to claim. Anyway I am rebuilding my credit and am able to afford to repay my student loans. You just need to talk to them. Also before tyyou make your decision, you should also talk to a debt consolidator, see if you can consolidate your debt to one payment. To build your credit, you need to pay all bills ontime for a solid 12months, don't be late, because even utility bills show on your credit. often credit inquiries check how often you pay on time and you can also use them if you have paid ontime as aletter of credit reference. But to rebuild, you need to pay ontime and attempt to pay at least something ontime each month to your credit card bills. Do not get more credit cards, eliminate as many as possible. You can also make a deal with them like if you owe 900.00 on a visa for example, you can call and ask if you were to pay it off right now what settelment would they offer you. They will often say if you pay 700.00 right now we will settle and then you saved 2 or 300.00. Good luck and weigh your options before you make a decision. bankruptcy takes 3yrs for you anyone to concider you for anything you need credit for, sometimes more than 3 yrs. You can build w/n the 3 yrs. and possibly get credit but you have to be very smart and ontime about all of your payments on anything. They also will not pay off any student loans and I'm not sure about medical bills. |
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1slyfox
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The best thing you can do for your credit score is pay your bills on time each month. If you need more money to pay them, work 2 or even 3 jobs (this should only be temporary - until you are out of debt).
Keep your spending down to bare necessities to avoid using more credit. |
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desert fox
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Unless you are currently unable to keep up, bankruptcy will only add to you woes! |
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bayoubelle24
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First off, pay the maximum that you can possibly afford on the credit cards. THEN CANCEL THEM AND CUT THEM UP! If you can control yourself, keep 1 credit card that has the lowest interest rate for emergencies. Hospital bills, pay the minimum that you can possibly get away with. Child Support, PAY IN FULL! Child Support is your top priority!
Check into opening a money market account. They pay a much higher interest rate back to you than a checking or savings account does. Shop around these can vary dramatically from bank to bank.
You also have to sacrifice to get out of debt. If you are not willing to, then you do not want out.
--get rid of cable TV or at least only basic cable
--limit yourself to only eating out once a week for lunch and once for dinner. (This saves the average person about $60/wk.)
--if you drink alcohol, think about how much money is literally drank away. Adjust accordingly
--Sell anything you have around the house that you don't really use on ebay
--take a side job if need be
It can be done. Bankruptcy is an easy way out. you got yourself into this and you can get out. How bad do you want it?
Best of Luck! |
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crackerjack
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gat a bank credit card and use but not a lot it gos right to your credit report |
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Matthew
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Pay your bills. That is how it will get back up. You really need to get a descent credit score. YOu need good credit to buy a lot of things. |
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