 Trying to buy a phone and refused, saying I have a poor credit rating which I know nothing about!? |
| I live in the United Kingdom and was trying to buy a mobile phone online from dialaphone. They sent me an email saying that they refuse to sell the phone package to me because i have a poor credit ... |
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 I have never had credit..? |
How can I build up credit? I've never had a credit card, closest thing to it is my debit card. Help please.
Additional Details
I thought it would be a good idea to build up credit ... |
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 When you have debt will the credit card companies send you a certified letter? |
| I'd assume when they are suing you, but just wanted to check My friend has a certified letter to pick up and she is scared about doing it. What else could it be?... |
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 Is that okay to sign up a car loan for my bf that I knew for 8 months? |
| Today we just cruising at the dealership and I found out that he has a bad credit, miss the 200 dollars payment up to 30k. and the salesperson force me to sign up for him, I didn't want to do it ... |
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 Where can i get a credit card....? |
| Where can a student with bad credit get an approved non-prepaid credit card?... |
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 Debt Collectors Called me, Im scared |
| I don't know the name, but they said theyre a debt collector company, and wanted me to call their main office. I'm scared, I don't know what to do. My mom doesn't know what it is (... |
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 Does it help your credit score to have more then 1 credit card and if so how many should a person have? |
| I was just curious if I should get a second credit card. right now i have a visa and was thinking of also getting an amex.... |
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 Is having a credit card a good idea to get a good credit rating? |
| If i get a credit card and set up a direct debit to pay it off everymonth will it make my credit rating good? is this neccessary for things like morgarges in the future?... |
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 Closing a credit card....??????? |
Hey guys,
I was wondering if closing my credit card will hurt my score. It was my first card, I've had it for a year. It has a horrible interest rate, a low credit limit (200), annual fee,... |
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 If I have a credit card open with zero balance is there harm to my credit keeping it open? I will never use it |
| I have a victoria secrets credit card. I have paid it in full and have no credit available anymore. I like to keep it open because I receive benefits each month & coupons. Does it harm my credit ... |
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 How can i sell on eBay without a credit or debit card? |
| been a member for long time and i can buy things but when i try to sell they tell me i need a credit or debit card and i dont have one and im not getting one can anyone ... |
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 I am unable to pay my credit card bill? I ve been jobless since last 5 months?Help? |
| With an outstanding of 25K the customer service agent told me to pay some money per month. Over last 5 months I ve paid alreday 10K and instead of being (35-10K=25K) my Balance is coming upto 55K!! H... |
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 I need a personal loan for $3,500....have bad credit.? |
| I have looked online, and gotten nowhere. My credit score is too low for prosper.com due to a recent bankruptcy (divorce!) and my current AmEx debt (keep reading). I don't have a co-signer. I ... |
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 Ok Please be honest with Me Does Bad Credit Prevent me from becoming Employed? |
| I am asking because I have a feeling that it does and it makes it hard on People to do things with bad credit on their credit report.... |
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 Problem with dept collectors... HELP!!!? |
| Ok, so... I'm 20 years old and I was being a moron when I was 18. I got three credit cards and went out of control. So now I have to pay for the mess I made. Well, Last month I couldn't pay ... |
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 Does this seem like a scam or not. this guy is offering me a loan at 2% interest rate.? |
| Thanks for your loan inquiry and yes, i am a private money lender an approve and license by the Government, i can help you and i give out loans at an interest rate of 2% i really want to help you ... |
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 I think someone used my credit card...please help? |
| I was at the club, and was ordering drinks for my friend...I started 2 tabs through out the night, and I have 2 receipts...One is 10 bucks and the other is 15. I closed the 10 dollar one out at 15 ... |
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 Can 13 years old get there own credit cards? |
| im 13, and i want to start using ebay, but i need a credit card. do i need like my moms or dads credit card or can i get my own connected to there bank or something.... |
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sweetnsassy | Do I have good credit? My credit limit on my Bank of America card is $8800 and they keep raising it.? |
I have missed payments in the past year when I wasn't working and recently due to some unfair practices of Bank of America. But it seems like despite my late payments, I have decent credit? |
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idiot detector
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No. They just want to keep you spending money on their card.
The important things to look at to determine for yourself if you have good credit are these few things:
1. What is the interest rate they are charging you? If it's in the 20-30% range, your credit probably sucks.
2. What is the balance on your card? Does it stay close to the credit limit? If it is, then your credit probably sucks. The bank will continually up your limit in that case so that you will continue putting charges on their card.
3. If you have missed making payments on time more than twice in recent years, then your credit probably sucks.
4. If you blame things on "unfair practices" by the credit card company or bank, then you probably have poor credit.
You are entitled to free credit reports annually from the major credit reporting agencies (WITHOUT having to join something like freecreditreport.com or paying anything). |
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jezbnme
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go to annualcreditreport.com and get your free report. pay for the score and you will see if it is good or not. thats the only way you can know. at this point all you know is your credit with b of a is obviously good. |
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Harley Charley
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Do yourself a favor.
Call and tell them you DON'T WANT A HIGH LIMIT.
Believe me when I say,
"YOU DON'T WANT A HIGH LIMIT".
The interest on those cards is awful, obscene and it is a trap to keep you indebted to them. It is plastic slavery of the electronic age.
Whatever you owe now is what you should ask for as the maximum and stick to it. |
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snowriver
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CRECK YOUR CREDIT. who knows that limit doesn't impress any one, get the free credit report.... |
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povotheplayerofpranks
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that's every bank strategy thye don't wanna leave you for you are a precious customer to them though you feel they have raised your credit limit they are forcing you to spend more so that you are always indebted to them, its a universal trend so don't get carried away ofcourse the final say is yours!!!!!!!!!!!! |
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Robert G
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It isn't that you have good credit necessairly, it is that BoA practices predatory lending practices. They give you a larger credit limit to try and entise you to spend more, therefore going into more debt. My advise to you would be to pay off your credit card and keep no more than $100. Be dilligent with your payments. That way you'll build good credit. The kind mortgage companies are interested in. Don't trust credit card companies. They want you to be in debt, that's how they make money. |
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crosamich
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your credit score has little to do with BofA raising your limits. recent events has put pressure on credit card companies to reduce the over-limit fees and such. So if they look at your account and see that you;ll keep charging if they keep raising your limit then they will do just that. I assume you carry a large balance. They would rather keep you spending and the limit growing so you pay a substantial interest payment each month. you can check your credit for free https://www.annualcreditreport.com/cra/index.jsp
but be sure to use only this site because the other "free" report sites actually require you to sign up for a non-free credit monitoring program. |
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Mr realistic...believer in truth
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Be careful.
Credit cards and especially high limit ones are very dangerous! |
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Dalton W
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no not at all!!!!!!!!!!!!!!!!!!!!!!!!!! |
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bunky
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You have to see your credit report to know if you have good credit, not by looking at one credit card. How good your credit is based on a lot of different criteria. It could be that they are raising your credit knowing you will buy more, not pay it all off, so they make money off you in interest charges. |
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justagorilla
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yes, it's surprising that they'ed jack up your credit limit if there isn't the best history...Do you owe them much?
I don't think my rating is the best either, but still, they just doubled my spending limit from 10 Gs to 20. Yes, $20,000!
I have no plans of getting stuck in debt though. been there done that. be cool, and not a fool. |
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Joe G
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www.freecreditreport.com |
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Budlightgurl
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No the limit doesn't mean much. I was 21, no job at the moment and got a 8K credit card. It sure got me into some trouble. I would avoid cc's with high limits! BOA wants you to max out that card. |
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godslilgurly
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The only way to see your credit score and judge accurately for yourself is to get your credit report. There are free options too! :) |
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emmblaze
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As I understand it, your credit report and score are not affected unless your late payments are forwarded to a collection agency.
Every one is entitled one credit report free a year. You can go to: https://www.annualcreditreport.com to get it. I believe it's about $6 to get your score.
You're also entitled to receive a copy of your report within 60 days of being denied a loan or credit card from the credit bureau the company checked your credit against. There are three credit bureaus; Experian, Equifax and TransUnion
Don't subscribe to anything like freecreditreport.com or anything, it's a waste of money.
Your credit history is how lenders see how well you are at handling debt. So it's good to have some debt and to pay it continuously.
I think a $8800 credit limit is for a pretty decent score, not great but decent. And the fact that they are raising it is a good sign. If you're working on getting better credit it's best to keep the amount you have on there less than 25% of your total credit limit.
Try to pay on time tho because the financing charges can get ya |
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andymul87
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check on freecreditreport.com it doesn't do anything to your credit, it doesn't cost anything, and you get a score. All you have to do is cancel within 30 days. I did it and it works well, they have everything on there. |
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stevexnelson
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It's been my experience, that the credit card companies usually don't report it if you are late on a payment. This surprised me when I pulled a copy of my credit report.
You should get a copy of your credit report and look at it. It will tell you exactly how your credit is.
You must have good credit, or they wouldn't keep increasing your credit limit.
http://www.freecreditreport.com
Good luck. |
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Alex Sonours
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I dont't have a credit card, I'm 15 :( |
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sb0983
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it sounds to me like you have good credit. |
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