 How can I improve my credit rating? |
| I owe lots of money toward bills(such as utilities) and credit cards. I just got a nice chunk of change from my tax return. How do I get my credit rating up without going broke? Or is it wiser to ... |
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 Will canceling the credit cards that I dont use affect my credit? |
| I have about 10 credit cards that I dont use anymore they are activated but dont have any balances and I was just thinking of canceling them but dont know if I should would that affect my credit in ... |
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 How does a credit card work?? |
| I applied and received my first credit card this month and was first affraid to use it due to my sis being in so much debt from hers. I finally had my first "emergency" 2 days ago where I ... |
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 Can anyone tell my if this is legal and how to get it off my credit report? |
I have problems with Midland Credit Management. They have never validated anything and yet continue to make entries on my credit report. Here they are--check out the new dates!
Two E... |
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 Trying to find out my credit rating? |
| My partner and i are going to get a mortage and we want to find out if our credit is ok as we have had trouble with it in the past,i was told you could contact a company and they would send you all ... |
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 Where should I get an auto loan online? |
What are some good and reputable internet sites that offer auto loans?
Additional Details
NOT auto insurance.... |
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 If you get declined for a credit card, does that affect your credit score negatively? |
| I was wondering out of curiosity because I was declined a credit card for being "out of the service area." I heard that it will show that your credit was looked into, but it wont decrease ... |
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 How do I build better credit from bad credit? |
| I am trying to get out of my bad credit slump from when I was younger and just went crazy with my credit cards. Now that I am older I am trying to start over. I have about 4 or 5,000 in Credit card ... |
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| Is there a way to know your credit score? |
| Do you know a site that i can see my credit score w/o a fee?... |
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 Why are banks in america are going bankrupt?? ? |
| just read about Lehman bro's bankruptcy filing>> i do not have deep knowledge of economics...so could someone explain to me in simple terms about the issue i have written>>... |
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 I keep asking this ques but no one is giving me an answer or understanding my question..? |
| i took out a car loan/financed in 2000, went delinquent in 2/03, it was repo'd in 8/2005. When does the SOL start ticking? 2000, 2/03, 0r 8/05? in what year will the sol run out?... |
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 Can I declared Bankruptcy? |
| I am thinking about declaring bankruptcy. I have about 10,000 in credit card debt. I am a full time student and I will be very involved on campus next semester. Is it a good idea to declared ... |
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 I have a credit card i dont use and probably never will,,,cancel it? |
Additional Details
i like the answers.. the card has a low limit and i have other open revolving accounts too (high limits)..so i fell its useless to ... |
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 Can I use my friends credit card without them being at the store? |
| She offered to use her credit card and pay half of the repairs on my vehicle. Neither one of us have enough credit to pay for the whole thing on one credit card. Now she can't come with me but ... |
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sh00onuff | Capital one? |
any luck with these guys ? are they good cards too have ? will they help build credit ? |
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Noneya Bizz
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it can help you build your credit, but be sure to read the 'fine print' for all the charges that you incur if you accept a card from them. |
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Tiffany D
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I have capital one, so far so good.
Just fallow these guide lines and it will lead you to a better credit score. It just takes time and responsibility. Also I would get a free credit report at freecreditreport.com they give a summary of what your credit score means and how you can bring it up.
What factors raise your Score:
You've paid your bills on time and currently do not have any overdue accounts or derogatory information, such as a collection, charge-off, or bankruptcy, on your report. You can be proud of the fact that you are helping yourself maintain a good credit score, so continue with the positive credit behavior!
You have no open installment loans, such as auto loans, on your credit report. This positively influences your credit score because lenders feel you are more likely to pay your other bills without the fixed monthly payment attached to an installment loan.
Your credit report does not contain negative public records, such as a bankruptcy, lien, lawsuit or judgment filed within the last two years. This is having a positive impact on your credit score. Although public record items may remain on your credit report for seven to 15 years, depending on the item, an important piece of your credit history is paying your bills on time, every time. |
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QandA
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I have a cap one card that I rarely use. I have no complaints about them, I have a better interest rate on a different card. Any credit card can help you build your credit score as long as you pay on time and don't go over your limit. |
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corazon_muy_dulce
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They are good, they gave me one of my first credit cards, only thing is they charge a yearly fee of $29.00, at least they do to me, none of my other cards charge a yearly fee. |
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Brian G
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Capital One can be as good as any. I've had a couple of different Cap.One cards for years with no major complaints. The credit limit and interest rate you get will depend on your credit rating.
Some may find this annoying, but I like it. If for some reason my payment isn't there by a week after the due date, I usually get a call from them as a reminder. I can make the payment by phone, pay online, or send a check, but my payment is there before I am 30 days past due and gets reported to the credit bureaus. |
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g0v3rnm3nts_li3
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iv never had one but my parents have and they use it the most. i will never get a discover card, horrible customer service, trust me. capital one is a good card |
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fmxkrazyone
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I just got a capital one card with a 0 percent interest rate until october, which is pretty nice. I've had them before and never really had any problems, their call center people are very friendly and helpful. Any credit card that's used properly will help you build credit. It's not relevant, but my car is financed through Capital One as well and it has been a really good experience. I would say that they are one of the better credit companies out there. |
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SugarDaddy
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we have a Capital One credit card...no problems...no annual fee... |
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Shirrwood
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It's good. Though it will help you build your credit history only if you pay your bills on time. I mean all your bills. But don't wait your credit score would increase in short time. It is long process, you should prove your creditworthiness. |
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richkvegas
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I have had their card for 8 years. I pay off my balances and they have raised by limit many times from $500 on up to $4,000. I use it for work and get reimbursed so I basically just use it for the points. I have never paid an annual fee. |
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Chris
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I would avoid Capital One. They are really quite miserable with first-timers. I had my first credit card, had never missed a payment, and had the card for over a year. Despite my great credit score they refused to raise my limit (from a whopping $500) and actually raised my interest rate. I got a card with a limit several times higher with a WAY lower interest rate from Citibank. Get the MTVU Card from Citi, it's got great points, low interest, and is awesome for students. |
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