 What should my cousin tell the collection agency? |
| My cousins mom passed away about two years ago, her estate didn't even cover all of the funeral and burial expenses. Now some company DCM Services, specializing in deceased collections wants the ... |
|
 My first credit card...need help claculating payments? |
| ok ive asked a majority of people this issue. i owe 600 dollars on my credit card i want to pay 100 dollars a month on it til its paid off. my credit card rate is 19%. some people say if u pay 100 ... |
|
 Does having a credit card help your credit rating? |
| Even if it's the Barclaycard 40%apr job or one of these Vanquis cards. If i just put one tank of fuel on it every month and paid it off without accumulating any interest would it repair my ... |
|
 Is this true that if you don't make any payments for 2 years ...? |
I once heard something to the effect that if you owe a credit card and have not made any payments for two solid years, they cannot come after you for the debt, is that true?
Thanks for ... |
|
 Should I except offer? |
tax credit office has hounded me for three years for a overpayment £3000.00 which I always stated i did not receive
I have had court notices sent 3 times
yesterday they sent me a letter ... |
|
 I need a car, but have bad credit? |
| My credit is not great because I just left school, so I have a lot of open loans. I really need to get a car. I have a perfect driving record and a steady job, and I can afford monthly payments. Is ... |
|
 What is the best credit card? |
| I have $2400 on a 0APR credit card that is about to change to 9.99% Should I pay it off (My money market is now paying 1.64%) or find a balance transfer card? What I have found is 0APR for 12 months, ... |
|
 Which is worse,a bad credit history, or a bancruptcy with perfect credit since? |
| Which produces a better credit score more quickly, a history of bad credit, with everything being paid on time in the last year, or filing bancruptcy to eliminate past bad entries, and then re-... |
|
| I am owed money by a company they are saying they are not paying me as they have not been paid what can i do ? |
| i tiled some flats for them i did supply materials they have had my inv for 2/3 month now i know they have not paid 5 or 6 other ... |
|
 Can you get cashback on a credit card? |
OK so money is REALLY low right now, and I had a thought of going into a shop and buying some random thing so I can get cashback from it.
But.... there is basically sod all in my current ... |
|
 Debit card statement says I spent £53.43 at the Co-Op. No idea what on. How 2 find out what I spent money on? |
| I want to find out what it is I spent that money on because I have no recolection. It was the 6th Nov. I Know that on that day or near that day I bought hair bands paying by card in Claires A... |
|
 My gf wants 500-750 for credit card bill. I offer 200. She does hang up phone when i offer that low.? |
| She is like i need you to support me. That is not very much. I possibly talked about borrowing 750, SHe also wants to borrow my computer to get her busienss goin.... |
|
 Jail time for payday loan in CALIFORNIA and now live in AZ? Help!!? |
| We just got a call today threatning my husband with a warrant for jail time for a payday loan taken out in California 4 years ago! We now live in AZ. We are just now getting over having serious ... |
|
 Over the last 9 years I have managed to rack up substantial unsecured credit card debt. I do not have any? |
| assets, other than the $5000 of equity of my house. If I just stop paying my credit cards, and wait out the statue of limitations, will the debt go away, regarding the credit cards? I live in the S... |
|
 Do credit cards without balances affect your credit report? |
| Is it true that your credit is affected not only by the credit cards with balances but also those without balances??... |
|
|  |
Star | Credit cards for poor credit unsecured? |
My husband and I are looking for a credit card for poor credit. We want to use it to rebuild our credit and were told the best way to do it was to get a credit card...
Thank you for real leads, please. |
 |
 
Miss Know It All
 |
Well, it is hard to get an unsecured credit card when you have poor credit. But a secured credit card would be a good investment. My fiance did an unsecured credit card about a year and 1/2 ago and then just 2 months ago he was approved for an unsecured line of credit.
To boost your credit score:
The first thing you will need to do is call the three major credit reporting agencies and request a free copy of your credit report.
www.equifax.com
www.experian.com
www.transunion.com
Then once you get those in the mail (7-10 days) there will be a dispute form attached to the reports. Fill those out for every negative account on your report regardless. Fax, mail go online whatever it takes to get those submitted as quickly as possible. Then those companies must answer your dispute within 30 days or it is removed from your credit report completely. So that will eliminate some things, hopefully.
Then make sure you pay all your revolving accounts to below 50% of your credit limits.
Make sure that you make all your payments no more than 20 days from the date it is due.
Good Luck! |
|
Oh Nooooo!
 |
Your better off with a secured card with reasonable fees than an unsecured card with really high fees. And no, there isn't a "good" card out there for people who have a histories of not paying their bills. Many secured credit lines can be opened with about a $300 deposit. If you manage to get an unsecured card somehow, you'll pay at least that much in fees just to set the damn thing up and you won't get it back- ever. |
|
twv706
 |
There is a free consumer website at http://www.bad-credit-credit-card-for-people-with-bad-credit.info/ that has a free list of credit cards companies that issue secured and unsecured credit cards to people with bad credit. |
|
abel jarrod
|
First let's look at the secured credit card for bad credit. A secured credit card requires that you deposit money with the issuing bank, and the bank will issue a credit card in the same amount for your use. Secured cards are guaranteed to be approved, because the bank has your deposit money in case you do not pay your balance. A secured credit card for bad credit operates much like a regular credit card. You receive a monthly statement, and you pay your minimum monthly payment or the balance in full each month. You are charged an interest rate, annual fee and possibly other fees for a secured credit card account.
Be aware that with a secured credit card for bad credit, your charges are not deducted from the deposit you have with the issuing bank. The bank is simply holding your deposit in the case that you default on your credit card balance. You must pay your monthly payments, and owe the bank the balance that you have charged on the credit card. You cannot refuse to pay simply because the bank is holding a deposit without further damaging your credit.
A second option for getting a credit card for bad credit is to get an unsecured credit card. Unsecured credit cards are available for bad credit clients, however, the issuing banks charge high fees to cover the risk of extending credit to a bad credit client. You can expect to pay anywhere from $200-$350 or more in fees which the bank will keep, you do not get that money back. Those fees are upfront costs for obtaining a unsecured credit card for bad credit. In some cases, the bank will allow you to pay the fees over two or more months. Get a best unsecured credit card at: http://www.credit-card-gallery.com/Low_Intro_Card.html |
|
sem3578
 |
my credit score is in the low to mid 500's and i recently got a card from Orchard Bank. They give people with bad credit a second chance. Your limit will start out low, usually $300.00 but they do periodic checks to see if you deserve an increase. |
|
calliope320
 |
Have you tried Capital One? They're normally pretty good about low credit customers; I got my very first card from them when I didn't exist (didn't have any credit whatsoever).
Otherwise, I've heard good things about Orchard bank, but never used them myself. |
|
See Saw
|
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.
When choosing a credit card for bad credit holders take care to see that the lender does not levy exorbitant charges. Unscrupulous issuers can charge a program fee, an account set up fee, and an annual card fee etc. Authentic companies ask only for an annual fee and very little.
While searching online for an instant approval credit card for bad credit holders, you may mistakenly apply for an unsecured card that is really a 'shopping' card. This card is similar to a normal credit card, but you are allowed to buy only from select sellers, online shops or catalogues. Though it is a good idea if your credit record is bad, you cannot use it for shopping at local retail stores, restaurants, or to book airline or motel reservations. |
|
galdesigns
|
There are unsecured Visa and Mastercard credit cards that cater to people with bad credit or no credit history. They start from a $250 limit to $500 but they are increased periodically depending on how you pay your bills, etc. You can get these cards even with a credit score of 400.
The key to raising your credit score is as follows:
1. Open a line of credit
2. Be meticulous about paying your bills on time - always
3. Don't open to many lines of credit but have a good variety of credit lines/loans (e.g. credit card, mortgage, etc). At this point, you are not ready for a mortgage so continue to work on increasing your score to at least 620 or 630.
List of credit cards catering to poor credit. |
|
becky m
|
Capitol one is really good about working with people who have bad/no credit. However, you do need to be careful because one late payment can hurt you a lot and they tend to hesitate on taking it off your record even if you catch back up on your payments. I would recommend getting one to build you credit but I would say you don't need to spend anymore than you can't pay off each month. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 2 minutes(s) ago
| | | |
10 | 32 minutes(s) ago
| | | |
11 | 46 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
11 | 2 hour(s) ago
| | | |
11 | 7 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
11 | 3 day(s) ago
| | | |
11 | 6 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
