 What's the most effective way to clean up my credit /score? |
| Besides paying everything off, not charging too much etc. What else in the meantime that may be helpful???....Any tricks of the trade you have learned over the years on erasing things on reports, and/... |
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 Is there a significant benefit to paying off a "derogatory" account? |
| I have several credit card accounts that were charged off a few years back. Some are listed as "paid in full", some are listed as "paid - settled for less than full balance", and ... |
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 Help with bad credit? |
| hi. i have horrible credit from past divorce , huge hospital bill from a emergency surgery with no insurance. ive heard of debt consolidating . can someone help with where to start. what is the best ... |
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| I don't have great credit but I work at a great paying job. I don't want to use payday loan sites because its a scam. I have been scammed so many times and I am now do to the wire. I need ... |
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 Wondering if my credit score is good enough for a motorcycle loan.? |
After just checking my credit score according to equifax it is
680
I was wondering if that score was high enough to get a semi decent loan on a motorcycle. Oh and I'm 19
... |
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 Is there anyway to Clear Inquiries from your Credit score? |
| I have attempted to get a loan for a used car and a couple of used car lots, I have my credit score and there are over 20 bank inquiries that show up and drop my score, Is there any way i can remove ... |
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 I need serious help here!? |
| It was just last year ago, March 06' when marketers offered me a getaway trip. Then i decided to cancel it after 4 days. Until then they were having problems refunding me the money. My bank ... |
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 I've consulted an attorney and decided to file bankruptcy, so can I still use my credit card? |
| My dad just consulted a bankryptcy attorney and decided to file bankruptcy. So can he still use his credit cards (Visa, Macy's, Bestbuy)?... |
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 Denied for a secured credit card? |
| I'm a new resident and have zero credit. To build one, I applied for a secured credit bank with Bank of America. I set up a savings account for $500 and that was supposed to be the card limit. N... |
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 Victorias Secret Gift Card/Credit Card? |
I am making a purchase off of Victorias Secret, and I'm using a gift card. It won't let my buy anything though, unless I enter my credit card number.
Will it take the money off of my ... |
|
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| I just took my Son to buy some New Wrestling Shoes and used my Visa Credit Card...I signed the Receipt and I just discovered that the gentleman behind the counter not only gave me MY Receipt but also ... |
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| Over the years, I have not had many debts. However it seems that the tiny amount of debt I owe seems to haunt me. I had a 300 dollar limit credit card, lost my job about a week after almost maxing ... |
|
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| And where can I get a free credit report ran? I think last time I got my score, it was an 827. Is it out of 1000?... |
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| i want to go bankrupt but dont really understand it, could somebody help me ... |
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LeeBee | Can I deliberately overpay my credit card in advance?!? |
Hiya,
My credit card is about to take a pounding as I'm going to be away for 2 months. To stop me going over the limit, I'd like to overpay it before I go so that I actually have more credit than the current limit - if that makes sense!! I'm taking cash and travellers cheques too, but I'm going to need the card for things like car rental, which will not be covered by my current card limit! Any suggestions??!! Many thanks! |
 |
 
Dusty
|
Some credit cards do let you overpay, but how much depends on the card. 1 of mine allows $50, another $75 and another 0. Best bet is to ask for a higher credit limit. Have a good trip! |
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been_there_done_that
|
Yes. Although some companies will send you a check for the overage if it sits with a credit for too long. |
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filmwatcher59
 |
I know one bank that wouldn't do this. How about a Visa debit card, or those pre-payment mastercards, if your bank won't do this for you? |
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alatoruk
 |
whilst it is technically possible might i suggest you DONT DO IT.
if you buy something on credit card you are covered by the credit cards insurance, so if the company goes bust or refuses to deal with your problem, the credit card company has to cover it. However, if you buy something with "your own money" which pre-paying your card is, then you are not covered by the insurance because it is your money, not theirs that buys the goods. |
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In the Kitchen
 |
Just call and ask for a higher limit. Or get another card. I think it's a good idea to have 2 cards anyway. |
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L1LVN
|
Call to ask for a higher limit and set up a direct debit. that way you'll be sure you won't pay late. |
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Spock (rhp)
|
yes -- you can do this.
you won't get any interest on the surplus funds, and it will prevent both those nasty fees and being turned down.
of course, with many cards there days, you can use the Internet from anywhere to send in a payment from your checking account. |
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doglover
|
I would say it depends on the credit card. I once overpaid mine by mistake and they sent me a check. One of those prepaid Visa card might work. Why don't you call the credit card company and find out? |
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greek
 |
yes u can over pay, but sadly u get any interest on it, if u r nervous about bein stuck abroad without enough funds, perhaps u can ask ur card company to raise ur limit to an amount ur happier with and even if u will be happier to over pay on that aswell.
pleasant journey. |
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stepthrough
|
Check with your provider first. They may suggest you increase your limit You could make the point to them that since you'll be away when the bill comes, you won't be able to make the payment on the due date. (They'll suggest a direct debit. Resist this! A standing order is OK because you tell your bank how much, and when, to pay; a direct debit authorises the payee to help themself.)
I noticed recently that the Post Office has introduced a charge card for travellers which does exactly what you describe - you preload it with money which is then available to spend. I haven't looked into it in any detail, but it might be a solution. |
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