 How can I get a $15,000 loan if I have horrible credit?? |
| I own my home, have about $15,000 in credit card debt and I am DROWNING. I can't make my monthly payments and I really can't think of any ways to get any extra cash in order to pay them. I ... |
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 With a score of 500, is there a reputable mortgage company that will finance a mortgage for me today? |
| i have no bankruptcys but i have collections out the @#! anyway, these collections are from companies that keep updating my report as though I am late this month when in fact it's from 2000, i�... |
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 I got a loan and I lost my job and I m thinking to go back to Italy what happen if I dont pay the loan ? |
I dont have intencion to come back to the UK ant earn in euros and pay pounds it is hard can they do something to me if I m going to anoither country in europen union plz help
Additional D... |
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 How do i rebuild my credit? |
| I filed chap 7 in Nov 2004, was discharged in Feb 2005. How do i go about rebuilding my credit and raising my score. I would like to purchase a home soon. I have noticed that some of the creditors ... |
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 How to get out of credit card debt without paying? |
| I want to know how to get out of credit card debt without paying a dime or filing ... |
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 Credit Cards??? |
| Ok I have a question about credit cards. I just got a new credit card to pay off another one because it has 0 % till Jan 2009 on balance transfers. I got approved for $8,000.00 (by the way I have ... |
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 Banks / Credit Scores etc.? |
I want to apply for a bank account but I don't have much of a credit record. There's nothign negative - just nothing much at all.
I have tried with First Direct and they refused me ... |
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 Is my debit card a credit card? |
Hello every one.
i opened and account with key bank.
In order to get a free ipod!
as part of the promotion i had to apply
for a key bank credit card!
a debit card ... |
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 Something is on my creditcard bill I didnt buy!!!!!!!!!!!! |
| I was looking at my credit card statement, and there is somthing on there that I didnt purchase, I am really scared, is this going to happen all the time? What should I do? I called my credit card ... |
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 How do you get out of debt faster? |
| I'm in desperate need of help. My issue is that it doesn't seem like my credit card debt is going anywhere. I can't afford to pay much more than I am each month and it's always ... |
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 Can credit card companies sue an estate of someone who has died to collect outstanding balances? |
| My father in-law has incurable cancer, and outstanding credit card debt of about $55K. Can the credit card companies sue his estate or children to collect the outstanding balances on his accounts ... |
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 Should my fiance cancel her credit cards after we get married? |
| I currently have an excellent credit score, and my fiance has a very good score. We both have had credit cards for 3+ years, and when we get married i wish to keep our credit cards and finances ... |
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 Can anybody help me?? |
| i tried to open a money market account but i couldn't because i had a negative rating on my credit report..so i contacted Chex Systems and it said that i was overdrawn $160 with an account i had ... |
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 Help me please. This is so hard!? |
| I need to transfer my balance from 1 credit card to another so that i don't have to pay any interest. The credit card needs to be 1 were it is free to transfer and has 0% interest on balance ... |
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ballerinakiki | Cannot get credit card, need credit history? |
I'm in college and have tried applying for credits cards over 50 times to build up a score and am always denied. I don't really want to use them a lot per se, I just need to build up a score! I've tried department stores (i.e. American Eagle, Victoria's Secret, Macy's), Banks (even my Washington Mutual starter credit card denied me), and even gas stations due to insufficient credit history. How am I ever going to get a history if no one will give me a card! This has been going on for two years. Help! |
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Team Modify
 |
Get some other things in your name.. example: cell phone, apartment, electric bill. Those items also build your credit. Make sure also if you have any medical bulls to pay them off...seeing as they also reflect on your credit score. I am in the same dilemma..So i have put my apartment, electric, and cell in my name. I am slowly building credit. Also make sure, when you are applying you have had your current job for 6 months. If you do not have a job for atleast 6 months, they won't even look at your application anymore. They used to give CC to ANYONE who wanted one. |
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nicecuppatea
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Seek out a store card that is good for a sub prime merchandise outlet and apply. They will approve anyone. You will have to put down a deposit but you will be able to purchase goods on this card. The credit agencies will see this as they would any other card and see you have an open line of credit. Only use about 20% of the credit you are given. |
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Selena
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Trying muliple times in a short period can hurt your credit score. Try applying for a prepaid credit card. Also, ask you parents or friends to add you to their account (without receiving a card). It hits your credit but you cant buy anything on their account.
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dragonfireresurrected
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don't apply for 50 credit cards in short period of time
that actucally hurts you non exisitant credit history
get a secured CC
but be careful on those
some have high fees or membership fees, typically 200 to 350, which is charged to the account and must be paid before the card even becomes activated
avoid those
a prepaid Visa or Master card DOES NOT do anything toward building credit history since there is no debt, and nothing is unsecured.
it typically takes a secured card 6 months to go to unsecured status and your deposit ( used to secure the card ) refunded |
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mobilemark
 |
too many inquries at once makes credit card company very nervous
since you have been declined credit you can get a free copy of your credit report
I would check your credit report as well
another idea is to try a secured credit card (one you deposit money on)
sometimes those are reported to the credit card bureaus
(like if you deposit say 500 dollars into secured account and that
bank will issue a credit card with that 500 limit
and if you pay your bills on times and sometimes (usually year
some of those secured credit card become unsecured
credit cards |
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Many G
 |
I was make my card here.
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Brian M
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It helps alot to have a co-signer if you have no credit history. they will use both of your scores and you will both benefit from the payments. You can also try going to your bank and get a secured loan. they will freeze the amount of the loan in your account and then deposit the same amount back in it so your not looseing or gaining any money but it will build your credit. |
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Reena
|
Try J.C. Penny....
or try to ge a secured Card from your bank.
Make sure to get it from your bank and that this card actually does
report to the Credit Bureaus.
Best thing to do is to give your bank a deposit of $300 for this card
and then use it sparingly... but make sure to use it.
While it doesn't add much to your credit score it at least shows a history... and will eventually gain you enough "history" to be able to get a real credit card.
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Oldmansea
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you have to start somewhere, so here;s what to do....
1. put some money in the bank, and build it up...
2. when you get to 500 dollars go into the bank and borrow $100
using the $500 on deposit as collateral.
* remember you can not take any of the $500 until the loan is paid.
3. pay off the loan in 8 mo. no more or no less...that is the period in which it takes to record your history of paying back a loan. pay extra but don't pay it off any sooner.
4. check your mail box, you will now receive a ton of junk mail asking you to apply for credit cards, and your hand will get tired of writing...
5. be sure to read all the literature and only take the credit that has 0% for 1 year or based on your credit score, one with a very very low rate....
6. always pay on time and never borrow needlessly. |
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worshipHim
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try taking out a loan and putting the amount in an interest-bearing checking account. As you pay off the loan, the interest you earn in the checking account should pay for the interest on the loan, provided you plan it right. im also in college and had the same problem and this worked. |
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