 Is 15 too young to have a credit card? |
| Out of the blue the other day my mom handed me a credit card with my name on it. I had to sign the back and everything. It was soo random. It's cute though it has Tinkerbell on it. Anyway, why ... |
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 How can I Find out if Someone else used MY IDENTITY to get a CREDIT CARD? |
| I SUSPECT THE DEADBEAT MANAGER OF MY APARTMENT BUILDING MY HAVE USED MY NAME, SS NUMBER AND E.T.C INFO TO GET A CREDIT CARD; HOW CAN I CHECK?... |
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 Which should I pay off first? |
The credit card with the LOWEST balance or the credit card with the HIGHEST interest rate?
I always thought you should go after the one with the highest interest rate first so that you don&... |
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 Rejected application for an American Express Platinm card. On what grounds can I appeal? |
I got rejected for an AMEX card for not meeting the "internal credit score". I have a good credit history and am on a good salary. How can I get them to change their decision?
A... |
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 Have you been in debt? how can one get out of thousands of dollars of debt? |
What tips do you have:
changes in life style is one ***no eating out, watching your driving routes to save gas.
What else is there?... |
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 Does paying off credit card balance in full hurt or help credit score? |
| I have my credit account set up to take the full amount of the the credit balance directly out of my checking on the 28th of each month. I have read many different things about building a good credit ... |
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 High Paying Job for a 12 year old? |
| Any high paying jobs for a 12 year old? (I'm saving up for a MacBook Air)... |
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 I need to know every thing about credit card.? |
| I want to get credit cards but i neeed to know every thing about them like stuff like if you spend 20 dollars how much would you have to pay for your credit card i just need to know every thing. HELP... |
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 $ 50 visa gift card? |
How safe is it to give a gift of $50 visa card if the number on it is exposed to everybody on the shelves at the store, before buying it?
Additional Details
I noticed all the cards have ... |
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 Recently had demands for payment from an old debt, not sure exactly how old but over 6 years anyway.? |
| Had 2 letters, my partner phoned and said the person they want doesn't live here but now have a 'red' letter threatening court action. It was an old debt that I had with a previous ... |
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| How do you build credit from nothing? |
| A friend of mine has no credit...no bad, no good. So, no one will loan her anything. How does she go about building her credit so she can get a credit card. She's applied for cards and cell ... |
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cynthia s | Does Anyone Know anyone who can repoair my credit? |
Does anyone know of any professionals who can assist me with repairing my credit file?
Additional Details
I live in Australia, so need advice relevant for here. I cant get a mobil phone account from telstra due to my credit rating and basically need away to improve my credit quickly to enable me o do this |
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moonman
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You can probably do it yourself. If you pull your credit report it will show your debts. First, you can start by paying off any credit cards that have a balance over 50% of their limit, so that the balance is below 50%. Also, any collections that show up can be paid off by calling the numbers provided on the report. |
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EmmaHersh
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Hi there,
It depends how bad your credit is. As a few people on this post have pointed out already you can indeed check your credit report yourself, once a year for free. That will not show you a score but it will detail any defaults, late payments etc. An easy way to start cleaning up your credit is if your report is showing any collections - pay them off. But if there are very old accounts on there trying to do this yourself can sometimes be detrimental. For instance - lets say you have an old account from 2000 that you have not paid on. You can start to pay it down but until now it has laid 'dormant' - starting to make payments can actually 're-activate' it so that it is reporting to your credit history again and can actually result in your score dropping again for a while. Sometime its better to go through a company that it is professional at dealing with this...and yes, it costs money...nothing is for free. But in the long term it can be cheaper - they can negotiate lower payoffs (sometimes as low as 30% of the balance) and can dispute lots of lates etc. I am a mortgage broker and my advice is free. Good Luck! |
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sam
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Learn to repair Bad Credit
http://www.dpbolvw.net/click-2132937-5387731 |
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ddnc_dave
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Try using one of these companies to help improve your credit score. You have to pay, but if you are having trouble it's well worth the money in interest savings. The free ones make you sign up for all kinds of crazy things. You get what you pay for in the end so don't skimp on it. Good luck!
http://www.kqzyfj.com/click-1886335-10391597
http://www.tkqlhce.com/click-1886335-10437990 |
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inastateofshock
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Actually anyone can do their own credit repair. All you have to do is contact all 3 credit bureaus directly and request a copy of your credit bureau. Each copy will come with a dispute resolution form that you fill out and send back in to them. They will then advice the lender that posted the negative claim on there to verify the information....Good news is they have to do it within 30 days and most have clerks working for a meager wage that end up having to handle that. Most of the time the disputed Item will be removed due to no response from the negative reporting lender. You want to becareful however not to remove good accounts. Accounts with a 1 rating are good 2,3,5,8 and 9's are bad. R will indicate a revolving line of credit and I will indicate a Indvidual line....Best of luck. You can do this 2x a year for free! |
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Riley
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I use to have very bad credit, this is what i did. A friend suggested using, www.repairmyfinance.com. Its an info web site you do have to pay like 15 bucks in order to access there 295 pages of info but its worth it. They walk you thourgh the steps in order to rebuild your credit. I got my first credit card in about a month. Oh and by the way there no such thing as someone els repairing your credit for you, they are all gimicks. |
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Mary R
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No one can repair your credit unless your credit report has errors on it. Don't waste your money on advertisements that tell you that they can repair your credit. If it sounds too good to be true, it probably is. In the case where there is inaccurate info. on your report, you should then contact that credit reporting agency and let them know. They will then forward a form to you to fill out. Once you return that form to them they will investigate your report for you by contacting the creditors in question. The creditor will have a certain time to report back to them. This process will take several weeks however, if there are mistakes on your file, they will correct them for no charge.
Otherwise, the best suggestion that I can give you is to order a credit report on yourself from one of the major credit reporting agencies. Here's the contact information for Equifax; http://www.equifax.com/cs/Satellite?pagename=Home
Once you've received your report, look at it to determine if everything on it appears correct. If so, I would advise that you get a list together of all the creditors listed on your report that state anything negatively regarding your credit. For example, charge offs may appear if you had a credit card but did not pay on it. This of course would reflect negatively on your credit. The only way to remedy this is to contact that creditor and come to an agreement. For example, if you owe them $300.00, offer to pay them $100.00 as payment in full on the account and require that they send you something in writing before you pay them anything. Most creditors will work with you. Little by little, if you are able to pay off what you may owe, you will improve your credit rating drastically.
Good luck to you! |
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CreditScoreBooster
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Do it yourself and save a ton of money. Its not that difficult. especially if you have the right educational tools...
http://www.disputedemon.com/credit-score/ |
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chuck
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http://www.apexcreditservices.com for one or go to
http://www.creditboards.com/mambo/ and learn to do it yourself. Its cheaper and more satisfying |
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