 Will marrying someone with bad credit effect my credit? |
| My boyfriend and I are talking about marriage. I have a good credit score. Never late on payments, usually always pay off loans early. His credit is not so good. He was in a car wreck and basically ... |
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 Is this a scam, cuz it sounds too strange!? |
| a company called "american shopping center" just called me telling me that i won a free camera and vacation, n that in order to get the package i would have to pay the shipping and ... |
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 What to do with bonus- pay the credit cards or make an investment? |
| we never live with credit cards before. and now we have 5000$ on our credit cards that we cant close . we are doing a min paymant every month and trying to pay more than that. we will have a bonuce 7... |
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 Does anyone know if there is a time limit on credit card companies demanding there money back? |
ex wife ran bill up, know i'm left to pay it but at time because i didn't know due to moving and thinking i had paid it off,
now 7 years after apparently defaulting i have been ... |
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 Loans with bad credit, no car/house in CANADA? |
| Does anyone know where I can get a loan with very poor credit. No house/car. Fast? No payday loans please.... |
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 What happens when your credit score goes down? What is a credit score? |
| How can it go up? Will it effect which job I can get, the college I can go to, the house I can buy? What else can it effect, and what is it really? How important is a credit score in your life? What ... |
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 Can a collection agency change an open date on a past due account? |
| I had some old accounts that were past due about 4yrs ago. I hit a hardship in my life that I was not able to keep payment on the accounts. From there most of the accounts either went to a ... |
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 What is the easiest credit card to apply for?? |
| as in the company that wont say no to you having a credit card, uk only.... |
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 How do you fix your credit score? |
Additional Details
I make good money and I pay my bills on time but I don't have a lot of history. How can I get stronger credit?... |
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 I owe $4000 credit card debt, is there a company that will pay it off and icould pay a small monthly payment? |
| i dont know much about being in debt...i owe around $4000 i really would like to clear my credit report...is there a company that will clear it and then icould pay the company a monthy payment like a ... |
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 What do i do with my debt if i'm leaving USA and moving back to Europe? |
Hi there,
Here’s the thing. I’m 19 years old and I’ve had 3 family tragedies in the past 6 months. My dad, my grandfather and a cousin (who was like a brother to me) passed away, ... |
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Oh So Nticing | Credit.What is the cheapest and easiest way to clean up your credit report? |
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IHaveAQuestion?
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pay your bills on time, manage the accounts you have, pay down debt, keep old accounts open, don't charge more than you can pay, dispute the errors (if any) |
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Mila
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Pay on time |
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Pravda
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May I suggest a site that can help you with your credit issues.
http://www.thecreditrepairmanual.com
Best regards, |
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beauty s
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Get a copy of your credit report and pay off all your debt and keep paying on time.. |
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Jeffrey J
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paying on time is an easy answer. but, the root of most credit problems is not being able to pay to all of the different creditors. you could get a consolidation loan where you only pay one monthly payment to one company, but that isn't always the best solution. by obtaining a consolidation loan, you can pay off your credit, but you are not showing the ability to pay it off on-time over a period of time. all it shows is that you had bad credit and paid it off.
if you already have bad credit, which i am assuming you do, the best thing to do is to start paying on time. most credit reporting companies keep marks on your report for about 5 to 7 years. by showing a trend (that you are paying on time now), you can usually write them a letter and ask them if they would be willing to remove some of those marks on your history a little earlier if you can pay off your credit and are making a good effort to do so. and, by paying on time from this point, you are showing that you are a better credit risk for the future (restoring your credit). some companies will not budge, but that is the cheapest way i can think of to get some help... and the company who put the mark on your credit is the only one who can remove it! |
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twosey ♥
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www.annualcreditreport.com
get a free copy of your credit report and look for any discrepancies! Make sure it is as accurate as possible. The amount of open credit on your report can reflect badly if it is too much... so if you have accounts with lenders that show open but there is no balance, make sure to close that line of credit. Also, whatever credit cards you do have, lower the credit limit for the same reasons (just not so low that you might overdraw)
paying bills on time every time is the best way to stay clear of credit trouble |
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pop
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Have a word with your doctor
slip him a few bob and get a dodgy death certificate |
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SPIFIMAN1
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Get a copy of your credit report from www.annualcreditreport.com and make sure that everything is accurate. You can not remove anything that is true, but if there are things on there that are not true, contact the credit bureaus and contest them. They have 30-days to prove the information true or they must remove it.
After that, get yourself a credit card even if you have to get a secured card and use it for everyday purchases like gas and food being careful never to exceed 30% of your credit limit in any given month. Make you payments on time every month and pay in full every month.
After you have done this for around 12-months you will have re-established your credit and should be able to get a good credit card. Do the same thing with the new one, but do not cancel the first one since 35% of your score comes from payment history. Just let it sit with a $0 balance and use the new one.
After about another 12-months you should be in good shape.
I know it's a long process but it takes years to establish graet credit and only a couple of months to trash it. |
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