 I have a bad credit history what should I do? |
| When I was 18 I took out a capitalone credit card and got 200 bucks instant cash and took it to memphis tennessee and blew it all at a hippy festival. Now I'm 27 and I have 20,000 dollars worth ... |
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 Isnt direct debit meant to be free ? i am being charged 15p per dd by my bank.? |
Additional Details
im never overdrawn, its only a service account for wages to be paid in, but i always have the amount to cover my dd, aint it illegal to charge for dd ??... |
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 Credit card question!!!? |
| okay, so i just got a credit card, and i am a teenager in High school (grade 10). This is a normal credit card, mastercard. I was wondering when i use it (at restaurants, malls etc), do i just show ... |
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 How can I establish credit? |
I will be 18 on June 27 and would like to establish my own credit so I can get a cell phone plan and start looking for a house.
What is the easiest way to establish credit?
A... |
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 I need Help!!! Credit Report is Wrong? |
| My credit report says that I opened a mortgage loan in 2002, but I was overseas during that time and just realized this when trying to get an apartment here in the states....I believe it is the house ... |
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 Are there only 10 $2 bill in the world? |
| My friend says that there are only 10.... |
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 Is having a loan good or bad for your credit score? |
| I want to apply for a stafford loan because my grant isnt enough this year and they wont give me money for summer classes. Is getting a loan good or bad for credit. My parents are going to pay for it ... |
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 BANK OF AMERICA SCREWED ME OVER - I NeeD HELPP!!!!!? |
| I have a checking and credit card with them. I set up my credit card payment to come out on the 10th this month online via bill pay, for some reason it came out on the second, and they are telling me ... |
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 How does a credit increase on a credit card effect your credit? |
| im young and responsible i dont go credit card crazy. ive actually have never met my credit limit but was thinking about increasing the limit only if it would help me build a good credit score. ... |
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 Question about credit card checks? |
| If I use a credit card check, does that count as a cash advance? Or, is it different by company?... |
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 Can my capital one credit card do this?!?!?!? |
| My payment for Capital One was due yesterday on Friday.. I didn't get my check until yesterday.. so I put it in the bank and when I tried to go pay it today they had charged me a late fee!!! I ... |
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Lyn | Can not get a cridet card? |
I have a friend trying to apply a cridet. But seems like no creditors aproved. She is been trying to get a credit card, what does she need to do to get it? |
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kapn
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Go to a bank and get a secured credit card........ |
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Belgrademitch
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You will more than likely have to get a secured card for a while and then you should be able to get an unsecured one. |
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Reality Check
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She needs to apply for a secured credit card. This is typically for people who are high risk consumers, or those with unfavorable credit history (or none), which is why she likely is getting denied credit. Also, it is not helpful for her to continue applying for credit...not only can it affect her overall score, but a little notation will be made on her report(s) that say "too many credit inquiries".
She needs a secured credit card, and manage that for a solid year, so she can build some repoire with the credit companies. |
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Heurty U
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Getting a HSBC credit card is quite easy. Applying for a HSBC credit card is a simple procedure that can be completed in a short time online. Some of the well known HSBC credit cards are: HSBC Platinum MasterCard, HSBC Cash Back Rewards MasterCard, HSBC Cash or Fly Rewards MasterCard etc. The primary benefit of these cards is the 0% introductory Annual Percentage Rate on purchases and balance transfer from 6-12 months, right from the day the account is opened. All these cards offer online account management services.
http://www.complete-debt-info.com/category/HSBC-Credit-Cards.html |
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John S.
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If she is having problem getting a credit, chances are she has not so perfect credit. try to apply for one of those credit cards that are designed for people with bad credit. |
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finesangel
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You need to improve your credit rating. There is a plan that you can established triple A credit in 30 days, but you will need $400.00. You should barrow this from your friends if necessary. then go to a bank of your choice and deposit the $400.00 into a regular savings account.
Wait a few days for the account to posted and return to the bank to ask for $400.00 loan - you offer the savings account as collateral. Since the bank is already holding your $400, you go to another bank open a savings account lending you another $400 and they won't even make a credit check. Then, with your borrowed $400, you go to another bank, open a savings account, return a few days later, borrow $400 from that bank using your savings accoaunt as collateral.
Then repeat the process at a third bank with your borrowed $400. Wait a few days to go a fourth bank were you open this time a Checking account. Wait a few days and make a payment on each of the other three loans. A week later, make payments again on the three loans, and continue paying each week until you have almost paid off the balance.
A credit investingation at this point will show you with three active bank loans ( which are considered hard to get), a checking account, and a paying history for the three loans - with you having paid up in advance. Thus, you have AAA credit in as little as 30 days. From here you go an apply for loans, credit cards, and others items on credit. |
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The right answer
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She probably does not have a history of credit. Here is instructions on how to establish credit. Its Free information.
http://www.creditscorequick.com/2008/04/i-have-no-credit-scores-how-do-i.html |
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DAS
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All of the answers below are the best and they don't need to be repeated. Secured is the only way to go for now, until you establish credit. Sorry !!!!!!!!!!!!!!!!!!!!!!!! |
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Wishful Spirit
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In many states she's entitled to a copy of her credit report to find out why she's being turned down. She can get one online at the Transunion website. Once she knows what is wrong with her credit, she'll be better able to fix the issue. If she knows it is because of late or missed payments, she should look into secured credit cards. |
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John W
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http://credcards.maclenet.com - try this credit card. I personally use it. You can apply via their website. |
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dont worry
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Be 18, and have purchased things before on a debit or something. |
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