 Trying to buy a house with bad credit? Where to start? |
| My wife and I are loking to buy a house very soon. I have pretty bad credit (550) and tired of paying rent. I have a three year old and one on the way. The apartment arent big enough for the four ... |
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 I desperately need a payday loan of £750, I earn £14560 a year.? |
| Does anyone know any UK online companies that would accept me, or accept anyone? Preferably with a lower interest rate.... |
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 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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TheShadow | Can you help someone improve their credit score by adding him/her to your credit card account? |
Would this adversely impact your good credit rating? |
 |
 
SPIFIMAN1
 |
If you have a good payment history and add someone else as a authorized user, yes it will help their credit because your good history will show up on their credit bureau.
Authorized users are not responsible for paying the account only the person who is the primary account holder is responsible.
The only way this would impact your credit in a negative way would be if the payments were not made as agreed.
If a authorized user runs up a lot of debt on your account and then doe's not pay you, you will be responsible for making the payments.
I was a authorized user on my Mothers Discover card for over 15-years and it helped my credit like you can't believe.
O.B.T.W. if you do this and do not give the other person the card, they can still access your account on line. |
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Summer hiker
 |
Yes, you can improve someone's credit score by putting their name on your card. I have helped 2 friends this way. (It did not hurt my credit rating).
However, to avoid them using the card and potentially getting me into debt, after I added their name on the account, and a new credit card came to my address in the mail for them, I did not give them the credit card. I cut it up. After a year, their credit rating did go up, and I called and had them removed from my account. |
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$m¤¤v¥ £¤¢¤
|
Sometimes a credit card holder will want to give another person (often a spouse, partner, or child) access to the account. Some credit applications even have a space for requesting an additional card with the other person's name on it, or the card holder can call or write and request one.
A business may have a corporate credit card account, and may give some employees authorized user status, including individual cards, to be used for business expenses. There may be wording in the employees' contracts specifying liability to the company for excessive or improper charges.
While a co-applicant is equally responsible for paying all charges on the account, regardless of who made them, an authorized user is not legally or contractually responsible for any charges, including those that s/he made. The primary cardholder (the one who actually applied for the card) is considered to be fully liable for all charges on the account, including those made by any authorized users. Verbal agreements or instructions between the primary cardholder and the authorized user do not change this. There can be a big difference between a moral/personal obligation and a legal/contractual one.
The account may appear on an authorized user's credit bureau reports, with a notation of their status. This may help in establishing or rehabilitating their credit rating, although not as much as an account that they are officially responsible for. |
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ROCKET
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playing w/ fire. DONT GET BURNT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!... |
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Nunoyvgvna Awi
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NEVER merge someones credit with yours, period. |
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mphsgurl79
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Yes, you can as long as you pay the bill on time! Some won't report on the others' credit report though unless they ask for the social security number. |
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surffsav
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SUCKER! |
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wanna_help_u
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yes you will help up too some extent their credit if you do that, but it will probably hurt you more than what you'll be able to help. I say don't do it.
**** the only time when this is "good" to do is when that perosn has no credit history at all, a clean slate... ex. if you do it to your 17 or 18 y/o kid, then they'll get on their credit score and history the good numbers ans standing that you have at the time you added them to your acct. Of course if you have a bad credit history they'll get that too. |
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alikilee
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I don't think it will help them as much as it will hurt you. Think twice about it. |
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Phoenix
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no, it will make it worse!! |
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Brain Ninja
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I've heard you can do that. I don't know the imact on your rating. |
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jackalope
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it would hurt you!!! bad |
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