 Credit Score ???? |
| there are three CRA'S if I get my score will they all be the same,if not do I need to get all three and go with the highest one. I 'm thinking about a new car and house financing for next ... |
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 Baclaycard debt sold to debt Collection company? |
hi jonny
I was owing Barclaycard about £3900 12 years ago. since woolwich PLC was purchased by Barclays ny details have now been passed to barclays. barclays has now sold my debt to a company ... |
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 I have three credit cards. 2,000 balance 1800 and 1700. All with at least 30% rates. What do I do? |
| Many late payments and actually still getting late fees because I am over the limit but have been on a plan with all of them for a couple of months. would like to pay them all off with a lower ... |
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 How do you endorse a pay check w/ no bank savings account? |
| The bank is closed and i need some money..but know one in my family has the money on them.... |
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 What the quickest way to repair my credit. I currently have a 530 credit score.? |
| Hello to all. I am looking to raise my score to the 775 as soon as humanly possible. I understand each case is different, but would value any general advice out there. Thanks for your time guys.... |
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 How can you get a loan for $4000 when you have limited credit experience and no collateral? Is this possible? |
Additional Details
I do not have bad credit just no credit!!! I do not have a cosigner available and I do not have a mortgage(remember NO credit).
My mom is financing a house for ... |
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 Best credit card to get with excellent credit? |
| I have 'excellent' credit ( 780-give or take a couple points depending on bureaus). I want to get another credit card because as of right now I only have one (when I was younger, I was ... |
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 Credit Card Question? |
A hotel charged my credit card when I requested to pay cash. They said they cancelled the charge cuz afterwards they accepted my cash..is this going to appear on the credit card record?
A... |
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 Has anybody taken surveys online and actually got paid? |
i am 16 years old. and i need a job badly
i was wondering if any ACTUALLY USED a site and took surveys and got paid.... |
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 Is it bad to pay your credit card before the bill is due? |
| I often pay my credit card mulitple times during the month instead of making one big payment when the bill is due. If there is a balance due for the statement, I always pay it on time. I was just ... |
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 How do you rent or buy a house or a car with no credit? |
hi,
I'm 22, and I would really like to know if it is possible to rent or buy a house or a car without any credit? I have no credit whatsoever, I only have a debit card, which works ... |
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 Wages on time.? |
| can an employer change from month to month what day he/she pays you.... |
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 The interest rate on one of my credit cards was recently raised from 9% to 23%. What are my options? |
| Like a lot of us, I am trying to dig myself out from too much credit card debt. I have a monthly budget and have been paying down balances as I can. Recently, one of my cards increased my interest ... |
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 If i don't use my credit card, will they close the account.? |
| i have a cc that i haven't used since i've received. i do plan to use it at some point, but i'm young, the cc line isn't alot, so when i use it, i want to be smart about it. I ... |
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aramos801 | Can someone with bad credit use a secured credit card to boost up their credit? |
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Lillie A
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Yes, that is actually a great way to boost your score and the best part is the only ones that know it is secured is you and the bank. The credit beureaus do not know |
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financing_loans
 |
Yes get a couple of them. But never go over 30% of your availiable balance. Always keep a running balance, but as I said never go over 30% unless you plan to pay it down to below 30% immediately.
Lets say you have two 500 dollar secured credit cards. And your balance on both of them is 450 dollars. You never make a late payment. This will actually make your credit score go down. You dont want your availiable balance to ever go over 30% to really increase your score. |
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waia2000
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Yes, absolutely. That's what I did and it helped. |
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aleish
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Yes. Secured credit cards for bad credit are designed to help people rebuild their credits. |
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Caitlyn
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Yes you can. But make sure you read the small printed regulations completely. They should give you the money back when you close the account or when the time limit is over (some credit card only keep your money for a certain amount of period the they give it back to you). But there are other credit cards out there that take some of your money out so when you get it back you will get less money than what you put in. Do a good research. |
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godishere y
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I think you need to improve your credit score. To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score<!--you'll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing.
http://badcredits.awardspace.com/creditscore.htm
In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports-->you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs. |
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Dewey K
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No because it is like a debit card, using your own money. Here is a site that I believe they can get a card.
http://www.1-800badcredit.com/bad-credit-card.html
Now once you have a new card, it's like a second bite at the apple -- don't screw it up. |
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Michael T
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Yes, that is a great way to boost your score. If you want to find other solutions to improve your credit score you should visit http://www.your-credit-solution.com/creditsolutuions.htm . They helped me increase my score by 200 points in less than 90 days. |
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Michael M
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yes but will take two years or more. |
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$m¤¤v¥ £¤¢¤
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First let me explain what makes up your score:
1. Payment history- 35%
2. Total debt vs. Available credit- 30%
3. Length of time establishing credit- 15%
4. Types of credit establihsed- 10%
5. Inquiries and New Accounts- 10%
With that said, how a secured cards can help boost your score is that
#1. It helps build credit with a major revolving account
#2. Depending on how much money you're able to place in the deposit, you could build a card with a high limit which would DEFINITELY help your score because it would improve the ratio of debt vs. available credit. The more you put in the deposit, the higher the limit, the better your score will get.
#3. This allows you to create a nest egg for yourself and build credit at the same time. Keep in mind that as long as you make small purchases that you can pay off on time every month, you get the deposit back.
I posted links to several secured cards
Hope this helps,
Good Luck! |
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