 My credit card was lost, can it be traced to whoever made charges on it? |
| the charge was made for a catalog order so i know it was sent to someones ... |
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 Can you help me understand credit? |
| I tried to apply for a credit account with Apple, and they didnt approve me... i dont understand... how can they check my credit, when I have no credit... and I need to build my credit up... im so ... |
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 Can I use my daughter's SS# to buy her a computer? ? |
| Her father sends enough money each month to cover at least a $75 payment, but I neither have the credit myself or the funds up front to buy it. Do stores like Best Buy allow this?... |
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 Paypal Help Please? |
Ok. Here are the questions then all the details I can think of.
Q:
1) Do you need a credit card to use paypal?
2) How old do you have to be?
3) Can i do online "jobs", ... |
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 Credit card? |
| I am only 18 and have never had a credit card but now I'm going to get one because I will be travelling alot in the future. what will my credit rating be when applying for a card. will it be ... |
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 How can I correct something on my credit report? |
| My mom put a bill in my name that was in no way my bill. I do now know how to go about correcting this. The bill has been sent to a collection aggency and is now being reported on my credit report. ... |
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 I found a check? |
i found a check to day for $665.it is signed by the person who gave it and it has who it is to.can i cash it?
Additional Details
and i am only 13 and i am not going to do ... |
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 Can a debt collector place a lein on property AFTER running it on your credit for seven years? |
| My Husband had a truck and never paid for it. The debt collector wouldn't never come get the truck becasue they went bankrucpty. They ran it on his credit for seven years. NOW they have put a ... |
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 I think I overdrew money on my DEBIT CARD...advice please...? |
| OOOH SHOOOT man it was an emergency! i had to use about 20 bucks and so i was checking to day and i went over 18 dollars! i'm so scared i don't know what to do. i usually manage my money ... |
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 Can I finance a new car with a credit score of 551 and a cosigner that has a credit score of 680? |
| im 19 years old and i want to finance a new car for 14000 with a credit score of 551 but I will have a cosigner. i have two jobs. any information regarding this matter please ... |
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 Does Cosigning a student loan lower your credit score? |
| My sister needs me to cosign her loan. I have just graduted from college and worked myself up to a 700 FICO score (I know it's not perfect). I wonder if cosigning a $10K loan for four years in a ... |
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 I have a credit score of 753. Is that good? What's the highest possible? |
Additional Details
I haven't been working at my credit, I'm just responsible. My personal banker told me it was good, just wanted an unbiased opinion ZinaRae.... |
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 What are some things I can do to establish credit? |
| I am attempting to establish credit but I don't really have any idea of how to go about it. Credit card companies send me offers every week. But I know that most of those are no good. I read all ... |
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 I want to consolidate my debts into 1 monthly payment...? |
| I have been screwed around by these bogus credit repair agencies I would just rather contact a "legit" debt consolidation company so I can start repaying my debt and bills o I can re-... |
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 HEELPPP!!! PLEASE HELP and 10 POINTS!? |
| will all items i bought will be shown on my credit card bill? and will all the details like the name shown on the bill? i am new to my credit card, i am using mastercard and i havent receive the bill ... |
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 I lost my debit card!!!!!? |
| My debit card was stolen a couple of days ago (4-5 days) and used to make purchases worth more then 2000 dollars. I have contacted the police after my bank have notified me of the overcharges the ... |
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maston h | Can a prepaid credit card help reestablish my credit? |
I have paid off all my depts. What are some good ways to build up my credit again. My credit score is 576. I don't want to apply for loans because i am afraid of inquiries bringing my score down. |
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Mugwug
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Ouch, some REALLY bad info here.
NO. A "prepaid" card is not going to help your credit score one bit. It's effectively little more than a gift card with an amount of money loaded onto the card. It is not reported to the credit reporting agencies, and it simply doesn't count as "credit".
A "secured" card WILL help your credit score. Similar to a prepaid card, you give the issuer a deposit which they hold on to as security against credit you can then use (ie. You give them a $500 deposit, they give you a card with a $500 limit). You must make payments and pay off the balance of the card, and it is this activity that is reported to the credit reporting agencies.
Maintain the card for 6 months to a year making small purchases and paying them off on time and you should see a positive change in your credit score. |
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ash kaylen.
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The best way to reastablish your credit is to go out and take out small loans and pay them back on time =] I'm not sure about the pre paid credit card though. |
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worldpeace
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pre-paid credit cards will not help you build credit, check out www.fastcreditcardapprovals.com and go under poor or no credit section, they will give you a few options to get a regular credit card. |
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Diane F
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Check out http://easyprepaidvisa.com
They have a prepaid visa card that does report to the credit bureaus and their is $0 activation fee. |
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irishcapper
 |
You really have alot of ways to obtain your goal get a free education here http://creditinfocenter.com and then look into this programhttp://www.creditdoctorsoftware.com/ Good Luck |
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$m¤¤v¥ £¤¢¤
 |
Thank you poster #6. You're the only person that has made any sense. Secured cards are the best option hands down to build credit because by putting up a deposit as collateral, your assuming the risk yourself. This is also a great way to work on credit card discipline. It's more likely you're going to pay on time and keep a low balance, or even paid off if you knew that your own money is on the line. Also, the best part that people fail to realize is that the deposit can double as an emergency savings fund later on when the card is upgraded for having a good payment history.
From my personal and professional experience, Bank of America is the best secured card overall. It has a low annual fee, low APR, and shortest time it takes to convert to a regular card. I went ahead and posted that link along with some others I believe will help you.
Good luck! |
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bung_eye
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Build up some collateral and borrow against it, everyones a winner. |
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EyceMan
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Yes it will help some. First the bad news, a secured credit card is not really credit extended to you by someone else, rather it is credit that you extend to yourself in a roundabout way by giving a lender perfect 100% collateral. But if you can't get an unsecured CC then grab it while you can because in a year or two chances are that the company that issued you this card will start to give you a little bit of unsecured credit, they might even return all of your collateral back to you and for this reason it is worth it.
Another benefit is that if you get the card converted to 100% unsecured in a year or two it will still be counted as a 2 year old account which will boost your score even more. So in other words do grab it and keep it, you need it. |
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Bob C
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yes, it counts the same as a regular c.c. try to put just gas on it and pay it off every month. it is working great for me. |
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