 Is there people trying to scam me? |
| Well during the end of summer last year I had somebody call me saying I owed on a best buy account which I do not have. I finally called & had that fixed so nothing more from them. But this ... |
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 Does a Lawyer who is trying to collect a overdue debt have the right to ad on interest on top of the bill? |
| I have a debt collector trying to get money from a credit card that has already been written offf 4 years ago. What can they collect ? What can they do with a judgement if I was fiund at fault?... |
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 My credit cards being denied? |
| I went to buy groceries the other day and when I swiped my credit card, I was denied. I just got my bill from my company and still have over 1,000$ left on my credit line. I make more than the min. ... |
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 My sisters partner has left her and her 2 kids? |
| she has no money cold she get a crisis loan?... |
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 Has anyone else got this offer? |
| I got a phone call from a 'capital card' company. Apparently I was approved for an unsecured credit card with them (and I don't remember applying for it). They are sending me the ... |
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 What is the fastest and best way to get good credit?? |
| i had some late mortgages a couple months ago and my score is really low.... |
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 I need a loan for about 5 grand so i can relocate but i have bad credit is there anyway i can get one? |
Additional Details
okay i am not asking anyone to borrow money i am just trying to find a way to move to florida......... |
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 As a authorized user, I used my deceased husband's credit card -do I have to pay? |
| I made payments but a collection agency is ruining my credit by attempting to collect the entire debt. My husband is deceaased and I did use the card. I was not a joint user.... |
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 Which debt should i pay off first? |
$1100 - credit card
$1000 - credit card
$687 - credit card
$697 - credit card
$650 - bills
$650 - phone bill
$400 - phone/internet bill
$2500 - study loan
... |
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 Collection agency will accept payments but won't report them to the credit bureaus? |
| I have a collection on my credit report that is killing my credit. The current balance is $464. They agreed to a payment plan. I have been making $50 per month pymts for two months now but the agency ... |
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 I used my moms credit card help me plz!!? |
| i used my moms credit card cuz of an important thing i had to buy. i feel guilty that I used it without my mom knowing. i have the money to pay for the item but is there any ways my mom not find out ... |
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 Debt problems? |
| the company i worked for folded last month i was on a high wage having worked there for years but i have no formal qualifications so i am going back to college to get a trade , but i had quite a big ... |
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 Building my Credit Score and how the points add up.? |
| I am 18 years old and just refinanced my beetle. Now, my mom had to Co-Sign but she has been a loan officer for 10yrs. She pulled some strings and got me a 7.9% interest rate. Now, that is also in ... |
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~LILMA~ | Can some one please tell me if there is a UNSECURE credit card for people who have NO credit?? |
i got alot of help from the people who answered my other ? bout gettin a credit card with no credit but now i ran into another problem..the orchard card doesnt let me choose which kind of card i would like to have.they automaticaly chose the secure card for me.i dont want that..i need a unsecure credit card for people who have no credit.i dont have the money to have a secure credit card.so before i put in another ap for a credit card can some please tell me what unsecure credit cards are out there for people trying to establish credit???.p.s. buying a cellphone to establish credit is not an option right now. thanks oh and i live in da state of PA |
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Waine
|
easier to just send you here :-)
http://credit-cards.ebookorama.com
and and http://finance.ebookorama.com
good luck and thanks for the 2 points. |
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umdanddvd
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http://www.wesayes.com
this should help |
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Gangstalicious
 |
U could start at your bank or try orchard bank. I know you said they keep directing you to secured card, but trust me the same thing happened to me. All i did was up my annual salary and i recieved an silver orchard bank card with a 300.00 limit. But whatever you do dont go to first premiere bank or aspire. |
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Shay~Shay
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Try Providian or Orchard bank. |
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All4Christ
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i have an unsecured credit card from wells fargo. i put down 500$ and i gave it to wells fargo. they then gave me a credit card with that limit on it. i pay if off every month becus that is how your credit rises. you credit score should go up after 6 months of paying all your monthly payments on time and in full.
this is the only way you can get a credit card if you have no credit. you can put any amount on this credit card. depending also on what your bank lets you. who do you bank with? wells fargo? bank of america? what?
dont forget this: if you go from one company to another and apply for a credit card,. you score will drop every time you apply for one.
so just go to your bank and tell them you want to raise your credit score and tell them you dont want a secured credit card.
a secured credit card is when you give permission to the bank to take your car or house if you can not pay your credit card back in full. so those types of credit cards are no good. stick with the unsecured credit cards. they might give you a high interest rate at the beginning since you have no credit score. but afte a while it will go down.
i got an unsecured credit card from wells fargo when my credit score was 605 and now its 725 and not even 6 months passed.
p.s.: also, buyinga cellphone and having a plan with a carrier does not help your credit score at all. also, renting an apartment does not help your credit score either. best thing for you is take an unsecured credit card from YOUR bank. |
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Frank Castle
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I can send you a Credit Card to your doorstep.
Drop me a line to send you an application.
Top 3 Answerer in Business & Finance. (Vote for me) |
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delima
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Dear, I was in the same situation maney years ago and I tried my best but I could not find an unsecured credit card, and then my sis has great credit so she co-signed a unsecured card with me, after using the card wisely and paying bill on time I started receiving lot of unsecured credit card offers. Try Good luck |
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vikingprincess1955
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There is not any out there that I know of |
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booyakasha
 |
GO TO WWW.GUARANTEECREDITCARDS.COM THEY HAVE ALMOST 100 DIFFERENT CARDS TO CHOOSE FROM, AND YOU CAN APPLY ONLINE,IF YOUR A STUDENT APPLY FOR A STUDENT CARD |
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Ingrid
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Capital One and Chase will give U one!!
they are crooks, but U gotta start somewhere.. |
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flutterflie04
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go to a bank. they will be happy to help you, start a checking account first then go to the credit card later so you have some credit, and a cell phone purchase doesnt help your credit much, I asked when I bought mine. |
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eloriarl
|
Most sub prime card companies like capitol one and orchard bank will accept you. Aspire is also another one available to you.
Most likely you will have a annual fee, a fee for applying for the card and misc fees usually ending up eating your entire credit line or close to it at least (250.00 in fees for 300.00 credit line).
My suggestion is to first clean your credit. It takes a short amount of time, and might actually get you past those horrible sub prime cards.
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc).
#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.
#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.
#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.
#5.) check out some of the posts on creditnet.com and creditboards.com for assistance.
#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.
#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.
This of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck! |
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lordsithscott
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try orchard bank...or aspire visa |
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