 Am I responsible for my girlfriend's credit card that is in my name (she is additional cardholder)? |
Her name is actually on the card... If we break up and she does not pay it, can I go after her legally?
Additional Details
She has a totally separate card eventhough she is on my account ... |
|
 Go bankrupt or not pay? |
| im not sure what bankrupsy is everyone tells me don't do it. bc i will still have to pay it back. but right now im not paying on my credit card debt. so do it or just let it keep racking up?... |
|
 What credit score should I go by? |
| transunion experian and equifax all have different scoring methods. which one is most accurate when it comes to what a creditor will look at...? So basically is the equifax score closer to what a ... |
|
 Who here is getting sick and tired of 'where is my rebate' questions? |
| I just wish some of these people would at least read some of the answers pertaining to the rebate before asking the same question over and over.... |
|
 I'm confused...do I need credit card...help? |
| I have recently moved to US (legally :-) ) and I have been watching a lot of shows (while I'm home with my baby) and I'm trying to find out what's the best for me...the only one thing ... |
|
 When I move, how do collection agencies get my new address? |
Additional Details
I got no utils, its a rented room in an established company.
My bank account? <-- my ... |
|
 Can someone help me get a loan to pay-off all cedit debt that I owe? |
| I do have a job but may credit is extremely bad and I need to turn that around please help me.... |
|
 How do I stop a bill collector from calling my number, they have the wrong number? |
| Companies have been calling my number for a person sho had the number before...fair enough...but it has been a year since I got this number. The same companies are calling. I have threatened to ... |
|
 What should I do if the billing department keeps harassing me? |
| I was the passenger in car accident last February. i went to the hospital to get checked out and I was fine but just for looking at me and taking an X-ray cost 277.00. The insurance company of the ... |
|
 We are drowning in debt......dont know what to do? |
| We have been hit so hard with car problems, hospital bills, medication, etc. I have bipolar disorder, and also fibromyalgia, my boyfriend has a terrible back problem and has had to miss tons of work. ... |
|
 Why is it when you want a "free credit report" its never free? |
| all i really want is a free credit report, not anything to do with a credit card, if i had one i wouldn't need a credit report.... |
|
 I received a demand for payment of money today in relation to a 7 year old catalogue debt that I cannot even? |
remember accruing.
I rang them but the company were not very helpful. What on earth can I do? Surely 7 years is not a reasonable time in which to demand payment.
I live in S... |
|
|  |
charlyexcel | Can someone tell me how to improve my credit score? |
|
 |
 
Capn
|
Pay your credit card bills completely every month. DO NOT CLOSE/CANCEL YOUR CARDS. This lowers you score. You need to have credit in order to get a good credit rating. Your score will go up when you use your cards and keep them paid off. If you have a car loan, or home loan, or even pay rent, NEVER miss or even be late on a payment. That will help your score and badly hurt it if you are late or miss one. Stay out of debt. Never put more on a credit card then you can pay at the end of a month. The second way this helps you is depending on what card your using, you'll earn points or money back based on your using the card. If you pay your full bill each month you end up 'making' money. |
|
*****
 |
Pay your bills in a timely manner. There is no better way. |
|
makeloans2
|
Pay all your debts on time and in the full amount requested. Don't overextend yourself with credit cards, use only one. |
|
Mybal Zitch
|
Check your credit report for old collections. Start by paying those off and get it in writing that they have been paid off. This way you can fax the credit bureaus that they have been paid. For any charge offs or late payments that appear, simply wait until they drop off. ( it's a long road, it won't be overnight)
Buying a house and making payments on time will dramatically improve your score over time. But it is really important to make all your payments on time!
You don't need a good credit score to buy a house, or even credit at all. Just look for companies that do "manual underwriting".
It will take a couple years, but if you get your debt-to-income ratio down and make your payments on time, your score will gradually go up. |
|
Alex Myers
 |
DON'T CLOSE YOUR ACCOUNTS AFTER YOU PAY THEM OFF! Length of credit history is huge to the credit bureaus. Don't pay just the minimum on credit cards, even a few dollars extra every month helps. Definitely pay your bills on time.
Depending on what is affecting your credit rating there are different steps that you should be taking.
If you have any questions or if I can help in any way don't hesitate to contact me.
Alex Myers
Credit Specialist
R. Smith Financial
877-428-3328 x302 |
|
smiley
 |
pay off and close unnecessary accounts, don't accept new applications for credit or inquiries. |
|
SGT V
|
Both previous answers are good as far as they go. If you have a crdit card and some self control there are a couple of ways to help improve your score. First, make a series of small purchases over a few months and pay off the balance completely when the bill comes in and make sure to mail it so it gets to the company before payment is due. Then, make a somewhat larger purchase, something that cost (not knowing your income nor financial situation) say $100 or a figure that you can pay off over a 3 month period. By doing those 2 things you demonstrate that 1) you have self control and can pay off small amounts on a regular basis in a timely fashion. The larger purchase demonstrates your ability to pay over a period of time. When I was first starting out in life I got a store credit card and would buy something like supplies to change the oil in my car costing maybe $20.00 and paid the bill off as soon as it came in. The next month I might take someone to dinner and pay with a credit card and same thing, pay the balance in full when the statement came in and then after doing that for 3-5 months I made a larger purchase. I believe it was some stereo equipment that I paid about $150.00 for and paid it off in 3-4 months time to show my ability to make monthly payments. Now many years later I have great credit, a house that is paid for and I am paying off my car loan (I have only had it for 3 months) next month when a Certificate of Deposit matures. Good luck. Remember, just because a company offers you a credit card... you do not have to take it. |
|
Makes Sense
|
Pay your credit cards on time and pay ave the minimum.
Get a secured loan at yur bank for about $250-$1,000 - depends on how much extra you have to do this.
Don't use the money. Pay back the bank within 29 days of getting the loan. Go to another bank and open a savings account with $250-$1,000. Come back a week later and ask for a secured loan. Don't spend the money. Just pay back the loan within 29 days.
Do this 3x at 3 different banks. Always pay back the loan within 30 days - so you don't have to pay interest on the loan.
This will increase your credit score substantially! |
|
flickad
 |
to inprove your credit score u must aply for a card at the same time give the company a deposit or a limit you want to spend then they will be using your money they will give you a card for the amount you give them and if you keep yopur payments up for 1 year they will give you back your deposit and let you keep the card if u dont miss any payments for 1 year they will give you an increase thats how to inprove your credit score |
|
nibiru
|
http://www.credit.com/learning_center.jsp
http://www.credit.com/slp/intro.jsp |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 36 minutes(s) ago
| | | |
10 | 41 minutes(s) ago
| | | |
10 | 47 minutes(s) ago
| | | |
10 | 58 minutes(s) ago
| | | |
10 | 2 hour(s) ago
| | | |
1 | 3 hour(s) ago
| | | |
8 | 8 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
10 | 1 day(s) ago
| | | |
10 | 4 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
