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Michelle M | Credit Card and Credit Report help! |
I need some help with my current situation. Im 19 and I applied for 1 credit card when I turned 18 through Bank of America. I was really responsible with it, only making necessary purchases, paying my bills on time, etc. In March, I got into a serious car accident which required me to have a series of surgeries and other medical treatments. Because of this, I missed 3 months of payments on my credit cards (I know, this is the biggest mistake I could have made) The late payments are what put my balance over my credit limit, not purchases I had made. Finally, I got a letter from FIA Card services about the situation and I contacted them. We set up a plan to help me pay off my debt. They lowered my rates for me (not much, but theyre still lower), took away the late payment penalty and agreed upon a very low monthly payment ($30). Up until March, I had no issues with cc payments. Until the entire balance is paid off, which is about $1,000, my account is closed. I got a store credit card before my trouble with this cc happened but I have managed to keep this one up to date and on time so Im not worried about it. I have also been attempting to get a copy of my credit report through a few different agencies but, for some reason, I cant get it. I dont know why. So my questions are:
--As soon as my balance is at $0, will my credit card be usable again? Or should I just close the account entirely after its paid?
--I know this situation has destroyed my credit score. How bad do you think it has gotten from this since I cant view my credit report?
--What kind of things Can I do, other than paying off balances entirely, to help start building my score back up again??? |
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Random
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My advice would be to NOT close any of your credit card accounts, it shows up on your credit report and is looked down on, keeping a credit card for years and years looks better on a credit report than a bunch of closed accounts. The reality of your situation is that the majority of people have "bumps in the road" and that's okay. You can build up your beacon points (Credit score) easily as long as you pay your bills on time every time. You should have no problem using your credit card once it's paid off, even just as long as your aren't going over your maximum amount. It is actually better to make very reasonable payments on your credit cards verses paying it off all at once believe it or not. It verifies you are responsible enough to pay on time, every time verses if you don't spend it, how will they really know. EVERYTHING YOU DO GOES ON YOUR CREDIT REPORT!!!
There are a series of numbers that run on your credit report following your credit card information, house payments, car payments, etc..
1's mean very good and paid on time, 1 being the best and 5 being one of the worst.
Keep your head up, whatever you do, please do not get behind on your payments on your credit account, you'll regret it when the phone calls won't stop when you owe them money.
P.S.- Every time someone does an inquiry to view your credit report it hurts your credit so only apply for things your really need, like I said EVERYTHING that has to do with YOU, will show up.
Good luck. |
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slacker4life
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if that card is still usable, continue to use it after you've paid it off. make small purchases and pay for it on time.
it may have caused a big drop in your credit score, its hard to say, to be sure get your score online.
keep making purchases on the cards and make sure you pay for it on time |
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Dusto Lover
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The first questions depends on the agreement you made when you started the payment plan. Most payment plans require you to close the account.
I cant answer the second question because there are multiply other factors in volved however if it didn't go to collection you shouldn't be that bad.
Just keep paying off the balance and it will repair itself. The biggest factor in your score is the ratio of available credit and total credit. |
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Simple is Best
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Daveramsey.com, or the book Total Money Makeover by Dave Ramsey. You need to change the way you look at credit. |
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Ginger R
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you did a couple of things wrong , but a lot of things right :)
Next time, you get into a difficult situation, don't wait for the bank or credit company to contact you. You should contact them first. ( if your in the hospital, etc....a parent should contact them about your present situation ) You did really well getting things set up after they contacted you.
After your debt is paid off...contact the cc company and ask if they will clean up that bad mark on you credit score. Chances are good that they will , because of the way you taken responsiblity.
If you were my 19 yr old..I'd be really proud of you :)
Just keep doing what your doing..everything will straighten it's self out.
You can get your credit report free once a yaer. They charge you for the score but not the report. Check out the web site below : |
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Pandora
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You're fine, you're young, your credit will rebound just fine. Just pay off all future loans and credit cards on time and this minor mistake will not affect you much. |
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Alicialee05
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You are entitled to one free credit report a year from EACH agency, so you can try getting your report from Experian, TransUnion, and Equifax.
Also, You should keep your store credit card open, if there is no annual fee on it- pay it down to a zero balance and just keep it open, the history on the card will improve your score-- In a few months ask for a credit increase. Do not apply for any new credit for a while, inquiries actually hurt your score. You should see an improvement in your score in a matter of a few years-- assuming you keep up to date on all your bills and so forth-- I'm not saying don't apply for any credit again, but just hold off for a little while.
I hope this helps. Good luck! |
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Sand Bag
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Whatever you do, do not close the account once you pay it off. Getting another credit card can be difficult. The incident with B of A will put a dent on your credit score but it's not the end of the world and your score will come back up if you make your payments on time.
As far as getting your credit report, there is only one place to get if for free. Its freeannualcreditreport.com. Here is how to request a report and all the information you need to provide. http://www.badcreditfixup.com/free-credit-report.php |
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Almond
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1) go here to order a free copy of your credit report https://ssl.myhostcenter.com/www.romanfigures.com/credit.htm
2) send letters to the creditors and credit bureau to dispute any claims on your credit report
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