 Bad credit without ever having a credit card? |
I need help. I am 26 years old with horrible credit. I have never had a credit card, all of my stuff is from bad decisions and not having steady income. (was a server for almost 9 years)
M... |
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 Is there a way to get a full credit report for free? |
| I heard once this is possible once a year. Any leads on where I can get this?... |
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 I need a loan can anyone in the usa help? |
| I am in search of a loan ,,,, I don't want one of those scammers of a private loan company ... i wnat something in the usa ... can any one help !!!... |
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 Can I get a personal loan if I have a horrible credit history and currently have no open account? |
I Got kicked out of my place and I really need a loan to pay a down payment to this apt. Im moving in to, but Im thousands of dollars in debt and im afraid to open a new account.
Additional D... |
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 Bad credit help? |
| hi i am 33 years old and over last years i have had bad credit cause of losing my job having a loan with no security ,unable tp pay loads of debts having thins for my partner wich he never payed i ... |
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 What are the ramifications of not paying a credit card bill at all? |
| if your credit is already destroyed why bother paying the bill? What else can they do to you?... |
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| Advice on a loan? |
| hi, im currently paying off a credit card of 3000 and a loan of 1000 (lloyds tsb) im not on a high income and im struggling with the repayments. im paying something like 120 a month. can someone ... |
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 After I pay off 3 credit cards should I close them or keep them open? I want to build more credit.? |
| I was unemployed for a while and wasn't able to keep up with payments so now my credit is not great. I have 2 cards that have been closed but I have been given assistance by the creditors to ... |
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 Credit Cards? How do I get my own credit card? |
| Today I found out that my credit score is 770. The reasons why my credit score is high is because my parents co signed ro me to get a car loan. I also have a credit card but my parents also have the ... |
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 How can I get rid of $30,000 in debt easiest? |
| I owe 30k and absolutely do not want to file bankruptcy. I can afford to pay $900 per month but the balance just will not go down. They will not lower my interest rate either. I am skrued?... |
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 Medical bill - What happens if i just don't pay? |
| My wife went to the emergency room. We have insurance with a high co-pay. We own a home and don't plan on buying another one any time soon. We have enough cash to pay the bill, some in my ... |
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 How do I get my name off a co-signed car loan? |
| I co-signed on a car loan right before I separated from my husband and later divorced. He has a Ford Explorer of which he hasn't made the payment on for the last 4 1/2 months. No one will allow ... |
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 Will my bad credit affect my hubby's good credit when he tries to refinance his mortage? |
| I have bad credit, My hubby has great credit. He is looking to refinance a home he purchased before he got married to me and wants us to apply for a refinance loan together, I'm scared that this ... |
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 Debt - What should I do??? |
| I am a 21 year old college student with about 9000 in credit card debt. I lost my job for a while and fell way behind on all my bills - now I have collection agencies calling me all the time and ... |
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 My daughter-in-law took out credit cards in our names but refuses to confess, what do I do? |
| I have reported to the credit card companies but it's been seven months and nothing has happened yet. I told them it was her and we have reported it to the police but I still don't know ... |
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 Why the heck?! (Credit Report question)? |
| I have had a capital one card for years now, it only has a $500 limit w/ a high intrest rate and I have NEVER been late on it. After significantly improving my credit (years of work) I applied for ... |
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 Who should I go to refinance my house if my credit score is 535.? |
| my credit is 535 my first loan is 148000 and second for 42000 and I need to pay some credit cards for 12000 my house is worth 253000 and I make about 3000 a month. Do you know of any companies or ... |
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 How to apply for a credit card? |
ok... so i have a few questions about credit card....
1. what is the difference between a visa and a master card?
2. can i apply a credit/master card if i have no job?
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 What happens if I stop paying my credit card entirely? |
No BS here
We're severly in debt after my wife quit work to have our children be a stay at home mom 5 years ago. I work 2 jobs but its not enought. She has few job skils at any rate
T... |
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 If you pay of a credit card, and then get a refund, what happens? |
| So I have a credit card with a fairly high APR with a $200 balance on it. If I pay it off completely, and then end up getting that money refunded to me, what happens to my account? does it make my ... |
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davidjbricey | Cant get credit? |
i can not get credit to save my life. my situation is this. i earn about 24k, and im on a debt management program and have been for 3 years and it is not an iva, also my monthly payments have never been missed. i have a 1700 overdraft which i live in and verry rarely go over the limit. i dont have any credit cards or storecards and have recently paid off a car finance. ive had a few loans and paid them off. the only time i got in a bit of bother was when i left the army, i missed a few payments on a few things, like my wedding loan, a a store card for which i got a few default notices hence why i went on debt managment. now, even tho i earn good ish money and have a verry secure job, i cant get credit. ive been on exuifax and expierien and that doesnt realy tell u much so i would like to hear from anyone in the same boat and how they got round it |
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ascoile
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Well to summarise
you are in a debt management programme.
Owe £1700 on an overdraft
Missed loan payments
Defaulted
You are not going to get credit for as long as you are on the programme and your past record is not good.
No one is going to take the risk, lending to you.
Not what you want to hear, but it's a fact.
Why not save up for things instead of buying things you can't afford on credit |
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dietbru
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Although it's not an IVA, I would assume the debt management program you are under will stop lenders giving you anything.
Lying about this won't help, as it will show up on any credit check that is carried out. I know it is tough, but you have to try & live on what you earn. The fact you have a £1700 overdraft shows that you are still living beyond your means & that the scheme is doing you no good what so ever.
With the "credit crunch" that is happening, you will probably not be able to get anything till you have cleared your previous bad debt. Sorry this isn't good news, but you could use this to try & sort out your finances once & for all.
Contact your bank & ask to speak to a money management advisor. I'm sure they will do what they can to help you.
GL |
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bak889988
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You will probably need to go an apply for a first premier or orchard card. These cards are for people who are trying to build their credit back up/ They do have some fees attached but they are well worth it for credit building. I have one orchard card and 2 1st premier. Now when you get these cards you only want to use them for very small purchases and never utilize more that 30% of your total available credit. You can see these cards at http://creditcardwarehouseonline.com |
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mariko m
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davidjbricey, Try getting a free online auto loan quote. http://www.autoadviceonline.com/Free-Auto-Loan-Quote.html The questionairre will give you results based on your credit and financial situation. It's free and you can get an answer in minutes. |
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firsty
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Why would you want credit again after all that trouble? |
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moonbeam
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i have been in the same situation myself and it is not easy but stick with it , allot of credit company out there like to see some form of credit file as it shows what you are like , butsome will still give but some charge high interest,
you could try this it might help you out
http://www.private-millionaire.org/1/29195381-invitation-page.aspx
good luck with all you do |
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supremecreditsolutions
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Before you apply for any credit you need to know why your credit scores are low. By examinining your credit report. Buy a 3 in 1 crd rpt. A good company can be www.privacyguard.com or any other. After you see what is in your report them follow this steps.
1. You have to clean your credit first by disputing the information to the bureaus.
2. Reduce any credit card to a 35% of your credit limit; this will increase your credit score almost immediately.
3. Do not apply for any credit card unless is a secure credit card since the interest are normally low and usually lenders do not run your credit report.
4. Last you only need to have 4 accounts to have good credit.
Contact me via email for further help if you wish to. Best of luck….. |
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Jason S
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I couldn't get a credit card to save my life either. my credit score was 520. I agree with the poster above, bak889988. You need to get an orchard card and first premier. These are basically guaranteed approvals. I have 2 orchards and 2 first premier and my credit score has improved by 100 points in the first year. They also raised my limit twice since I signed up. I checked out the website he suggests and it seems like they have some of the best cards for your situation. Once you start with these cards and show you can make all your payments on time you will then be able to move to better cards with higher limits. Just when you get these cards pay them off and just use them for very small purchases. Do NOT utilize more than 30% of your total available credit, do not max them out, and do not go over the limit or miss a payment. Do this and you will be well on your way to getting better credit. |
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Bugsy
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contact experian or Uswitch/ Money supermarket customer service to get advice about your situation. I have never done so but apperently they can give you good advice but just be careful at the end they have you to sale you something. Also try getting a capitol one credit card, it is suppose to help you restore your credit score but the interest is upto 33% and the limit is £200 then after 4 months it will go upto 500 |
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Barcadcadacada
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Haven't you learned your lesson? |
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starlight
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you cant get credit?? i wouldnt moan about it, the country is in a recession .... soon there will be nothing for anyone and the ones who owe loads will be forced to pay up |
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starlet108
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Go to one of the companies that help you build your credit - Barclaycard for one, Vanquis or Capital One. I wonder if you're being too honest - maybe don't tell them about the debt management program xxxxxxxxx |
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Pisces1978
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I have had some bad credit in my past and it was extremely difficult to get a credit card. Try Capital One, they have a secured credit card that is made to help people get their credit back on track. You apply just like a regular credit card and they assess how much of a risk you are and you pay them a small amount as a security deposit and then you get a credit card. Some banks may offer the same option for you. The amount is usually small to start and will be increased if you pay your bill on time all the time. |
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