 Keep getting refused a bank account cause of credit history, any advice? |
Not had a good credit history so I am being refused by banks. Are there any banks that will help does anyone know. Thanks.
Additional Details
Thanks every1 for your advice. I have just ... |
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 It is true that your credit history should be delete after 5years regardless the status of the account? |
| let say you have a unpaid account that showed on your credit report. and after 5 years should this unpaid account remove from your credit report?... |
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 Can anyone moved country and left debt unpaid? |
| I have ,like lots of other , loan (4gr) and credit card.Ive decided to move country and not come back, as my husband family live in other country.Can i just forget about that debt?My bank was riping ... |
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 Pushy debt collectors? |
| I have been paying my credit card debt each month without fail since being made redundant 6years ago.My first payment was £20 per month but it is now £60 per month.The collection agency is now ... |
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 How long does it take to get a credit card at macys? |
| After you have filled out all the info, and got accepted?... |
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 How do I get a GOOD loan for $2000 with no credit.? |
| Purpose: I need it to cover the purchase of a used car and the insurance payments for 6 months totaling $3,500. I already have $1500 cash. VERY IMPORTANT: I want to pay it off in less than a year. T... |
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 Help! Getting home loan with poor credit? |
| I really need help getting a home loan with poor credit. I have a small down payment and a gift of equity of about 15,000 but i need to know how to get a home loan with poor credit. I don't ... |
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 Whats the number on the back of the credit card mean? |
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I want to know what ccv, or cvn stands for?... |
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 Why do so many people have trouble living within their means? |
| I have to write an Arguementive Essay on an article I read about Credit Cards. The question above is the question I have to answer for my essay. I want to know actual people's point of views ... |
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 OMFG .. Will this hurt my credit score? |
| Dang, dang, i am so concern about this now. I just checked my CapitalOne account online and i just REALIZED that my minimun payment is due on the 22nd of November. So, that mean it was 7 days late. ... |
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 I have debts of about a grand that are over SEVEN years old. What are my rights (if any)? |
| I heard diddly squat for seven years now i'm receiving major heat from a debt recovery firm. I thought debts were written off after 3 years. Can any good people of the Answers community advise ... |
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 Which credit card gives u the most benefits and rewards? |
like cash back or air-line tickets...
how is bank of america's power rewards credit card?... |
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 Please let me know...? |
Does anyone else spend all of their month's wages before the first week is finished?
Additional Details
To the lady that thinks I need counselling... I think that you have issues ... |
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 How to get a home loan with bad credit ? and no money down ? |
How can you get a home loan with no money down and your credit is not the best ?
My wife has pretty good credit but she is a stay at home mom . We are trying to get a home
And it is not ... |
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 Collection Calls? |
| I'm getting collection calls from a credit card company and they are telling me time is running out, they are about to charge off, etc. The last call was somewhat rude and I think they are ... |
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 How to get a lower pay off ammount for credit card debt? |
| I've been having trouble paying for a few months because $5000 got stolen from me, I recently sold some land and I want to pay everything off but I owe quite a lot and I want to be able to pay ... |
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rockstar_honey | Credit card for someone with bad credit? |
i have applied almost everywhere. when i was younger my mother used my name over some credit cards and screwed it all up. Anyone got a good card for someone with bad credit? |
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echo
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Since the bad credit reporting was not yours, why not clean that up first and then start building your credit.
File disputes with the CRA's and the creditors for those fraudulent accounts.
When your mother stole your identity, used it to gain credit and then defaulted, she left you in a very bad position. Not only are your reports in bad shape but you also run the risk of being sued for the defaulted debts.
You should make cleaning that up a priority over applying for credit - doing that, you won't have to worry about having collectors hounding you or answering your door only to have a summons handed to you. |
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$m¤¤v¥ £¤¢¤
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I agree with Echo in that you really need to clear up what your moms did. You shouldn't suffer because she couldn't get her act together. Sorry to be rough about your moms, but that's how I see it. You'll need to dispute those accounts and possibly have your moms prosecuted for identity theft. I know it sounds harsh, but consider your current and future situation.
After you're able to resolve your situation with the credit bureaus and authorities, Orchard Bank has a wide selection of cards for people with different credit scenarios |
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Andrew_Too
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Try here, It's a good site. You can browse through a bunch of cards, compare the ones you want and apply on-line. There is a catagory for bad credit... Bad credit sucks, I know all about it.
http://quick.NewCreditApplications.com
I got a discover card from there. painless |
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beauty s
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orchard bank |
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Jeremy P
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If you've been denied for multiple credit cards-- you probably applied for the wrong offers (probably designed for good / excellent credit). You can find a complete list of credit cards for bad credit here:
http://www.wowcreditcards.com/bad-credit.htm
Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards-- they'll allow you to build and improve your credit score over time. Eventually, with regular on-time payments-- you'll be able to apply for better offers with lower APR's and less fees.
Hope this helps. GOOD LUCK! |
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Bryon H
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Hi!
I would be very careful of so-called "shopping" or "membership cards..the fees are absurd..and very many times they report nothing at all.
Secured cards are the best bet from the likes of:
Bank Of America
US Bank
Wells Fargo
Please do not get one of the ripoff cards that, after they have added all the fees..you have very little credit..and it will look horrible the very first time they report to the bureaus.
Get a reasonable card..keep it well below 50% of your limit..and be obsessive about timely payments. In time..the bad stuff will roll off (maybe..) and the good stuff will help increase your score.
There is a lot of bad advice on here..like the one that says paying a chargeoff will improve your score. It won't.
A paid chargeoff is no better that a unpaid one..and you have restarted the seven year clock..which means it will be on there for *another* long period of time. It's just not worth it.
Pull all three *at least* four times a year..I pull all three whenever I feel like it. It is critical that you find inaccurate info..and dispute it. Sometimes...as is with my case with Crap One..litigation is needed to get them to follow the law.
So be it.
I'll probably sue Equifax as well..they are horrible.
Remember it is your job to dispute inaccurate info..and put good stuff on there while the damage the old bad stuff goes away in time. Do NOT apply for a bunch of stuff at one time..that hurts too. I think Citi Credit monitinoruing service and truecredit's 3 in 1 credit report and monitoring are worth looking at..they are realoly free for thrity days as long as cancel..and I have found Citi's Score simulator to the the best I have ever used. Pay it every month? Nope. I just can't see it.
I have no problem re-activating it after six months, though..when there is more on the reports..and more to learn.
I will keep Equifax's Gold service active for a few months..it is worth the fee to pull a report as i need to..that is my primary bureau anyways.
Good Luck! |
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See Saw
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Major credit card issuers like Discover, American Express and Chase offer a credit card for bad credit holders. A 'shopping' card offers you an unsecured line of credit from specific sellers. Use these cards to increase your credit rating, since the credit bureaus will be informed about your timely payments. |
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brady ewart
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People with bad credit or poor credit are often face difficulties in obtaining a credit card. The fact is indeed true that their choices are limited when it comes to credit cards but, credit card issuers are increasingly offering financial products that specially cater to bad credit people.
Bad credit problem can be caused due to a number of situations. The credit card choices available to bad credit people allow them to rebuild their credit history. Financial products that help bad credit people are prepaid credit cards or debit cards, secured bad credit cards, unsecured bad credit cards. At: http://www.credit-card-gallery.com/article/223,Bad_credit_No_problems_Have_these_credit_cards we take a look at each one of them. |
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kennyg64
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There's alot of websites you can go to with bad credit. I don't know any off hand, but go to yahoo search engine and type in credit cards. you should be able to find something. |
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CMDS
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Generally, someone will give you a credit card. In a worst case scenario you will probably get a $200-$300 credit line and need to pay the annual fee up front.
Anyway, try typing HSBC into your search engine and apply for one of their cards. They won't make you pay the annual fee before you can use your card if you're approved. |
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