 Need advice on what to do? |
I need to clean up my score-here's my awful history;
1 bankruptcy (2001)
1 auto reposession (2000)
3 cc's that have been sent to collection agencies (after bankruptcy) ... |
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 Im 18 years old and would like to start building my credit. where do i start off? |
| i just turned 18 about 2 and a half months ago and would like to start building credit. i just took out a t-mobile cell phone under my name but dont know if that will help. any other suggestions?... |
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 Do you think JP Morgan Chase is a horrible company? |
| I was with them for two years. Never did I pay late, and paid off balances before. But this one time I was late, they doubled my APR to 29.99% and have no plans on reverting it back to its norm. I ... |
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 What happens to outstanding loans when you are pregnant? |
| Do any companies let you pay smaller repayments during your time off on maternity leave etc?... |
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 Concerning auto insurance, why would your credit score effect your premium? |
| why on earth would your credit score have an effect on how much a person pays for auto insurance? i was told by geico that my rate would be lower if i had had a more "favorable" credit ... |
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 I have too many credit cards, is it OK to close some of them? |
| I have a credit score of 700 but I have too much credit. I have 7 credit cards and would like to close some of them. I have read that closing your credit cards is bad but is it ok to have so many ... |
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| If a business makes a copy of your Drivers License does that violate the Patriot Act? |
| Also is it legal for a business to make a copy of your debit/credit card? Any help you can offer would be appreciated.... |
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 Is it legal for a credit agency to lie to me? |
| I received a message at work from a person who said he was from AAA and I needed to give him a call. So I call him back figuring it had something to do with my car. He was NOT from AAA. He was a ... |
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 Im 16 did I already ruin my credit? |
| I got prepaid visa debit cards like account now, and babyphat debit prepaid rushcard. I just wanted if for the looks I never plan on putting money on it, can this ruin my credit. What will happen if I... |
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 Which will be the better way to raise my credit score? |
| I have one positive thing and one negative thing on my credit. The positive thing is a car loan that is in good standing. The negative is a hospital bill for $400.00 that is still owed and is ... |
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| I want to get a new car does my credit score have anything to do with that? |
i just looked at my credit report do i have to pay off these things before i can get a new car?? will paying them off get my score up??
Additional Details
ok i have 1 credit card for 242.... |
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 What bank will open me an account with bad credit history? |
Additional Details
nice 1 riff raff what bank did u use?... |
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Danielle B | Can a credit card company randomly raise your APR for no reason? |
I have a credit card and just looked at my statement- my APR doubled.
I called the company and they said they can't tell me why, due to 3rd party something or another, but will mail me the reason, which will take 7-10 days. They said they sent prior notification, but I got nothing.
I (and the rep I spoke to) did not see any missed payments, and I always paid over the minimum.....can they do this to you? |
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gabismommy
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yes they can, that's what a variable APR is |
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cradduck205
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They can do it and do it all the time. I suggest since you did nothing wrong to call them and tell them you are going to cancel the card and switch to another credit card company. That usually works when they are trying to pull one over on you. |
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tkquestion
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Yes, they can. They didn't gurantee any particular interest rate in contract to you, and as such, they can change it any time for any reason. That is one of the reasons why borrowing on your credit card is a very bad idea. |
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AJ
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They can do whatever they put in the agreement. But, you usually can freeze the old APR if you agree to close the account. You'd continue making payments until the balance is zero. |
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mgmsn
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Yes, with some credit cards they have a disclosure when you first get one stating in small letters that blah blah your apr may increase periodically. Just another way for them to get money from those that don't notice. |
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island3girl
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yes they can. they usually send you a notice in the mail by way of those little fliers with all the fine print on them. |
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vincent
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if it is a varialbe card they can basicly charge you whatever intrest rate they want, avoid this by paying off by the end of the month or negociate your rate |
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knitting bear
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Ok, you paid your payments on time & at least what they asked for. No problem. Now, what about your other creditors. Did you go delinquent with any of them? By delinquent I mean 1 late payment or short pay on a payment. If so, every credit card application states they can periodically check your credit history &, if they see you were delinquent anywhere else -- ANYWHERE -- they can raise your APR anywhere they wish up to the highest they have on their cards. This is legal because you agreed to it in the application, in the contract you signed & by signing your credit slips. Deal with it. Pay your bills on time or, here is an odd idea, USE CASH!!! |
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.:tHeL:.
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Check this link out:
"Why your rates go up" :
http://www.bankrate.com/brm/green/cc/basics3-5a.asp?caret=20
To add to that list, some CCs may also increase your APR depending on your credit score. They periodically review not only your credit, but also your payment history - which is not limited to that one credit card with that institution. Also, you have to make sure that you're making payments that's more than the minimum due - or that you vary the amounts of your payments (and still manage to pay more).
Hope this bit helps. |
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