 Credit Card for minors? |
| Does anyone know about any good creditcard or debit card services that a minor can use in india?... |
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 Credit cards? |
| what is the best store to get a credit card from? i want to build up my credit to buy a car later so i dont know i was thinking macy's or jcpenny? which one helps your credit the most? or what ... |
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 How can I buy from Mastercard/VISA only websites, when I only have a Discover card? |
| Can I buy a prepaid VISA, or MC with my Discover card? If so, where can I get a prepaid card?... |
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 I'm looking for a personal grant to get out of personal and a school debt.? |
| I have a student loan that is more than $10,000 and I've accrued a personal situation of more than $300,000 (which includes bills that have gone unpaid maybe since 1995). I also want to make ... |
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 A lot of people are saying credit card is evil and avoid it if you're a student but...? |
| isn't credit card needed to build credit score, which is needed in many aspects of life? For instance wouldn't a student with good credit score have a better chance of securing a job than ... |
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 Will having a high credit limit on my card increase my score? |
| i have a card with a limit of 2,000 and one with 500 pounds, im only 18. i really want to build a really good credit score for buying a house in a many years time. will asking my card issuers every ... |
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 I'm trying to rebuild my credit, just looking for "easy" to get credit cards, no secure ones. Thanks. |
| It's pretty much what I said, trying to rebuild, looking for credit cards that don't require much of a history and no secured ones. Thanks for any help or suggestions.... |
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 How do i establish credit in the USA? |
| having recently moved to the USA , how do I take out say a credit card or open a bank account here (in the USA). what do I need and does my credit from the UK affect any USA rating I may get.... |
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 Identity taken? please help, I think my neighbours have taken my son details and applied for credit!!!!!? |
| How can I find out if they have? I don't really want to pay, why should I? Can't really go into detail on here regarding my neighbours but this wouldn't be the first time they have ... |
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 How do i establish credit? |
| i have no credit and wanted to know how i would qualify for some type of credit card, i tried going to a bank credit union and they were having problems giving me an account since i had no credit, ... |
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 How much does a prepaid visa card cost? and how much can u put on it? |
Additional Details
also is there a expreation date of the card???????... |
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 A debt of over 15 year old? |
| a debt agency says we owe money from 15 years ago! Can they still try and get the money back?... |
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 Victoria's Secret angel credit card? |
My girlfriend wants to get an angel credit card from Victoria's Secret. If she applies in store, will she be able to have it that day? How does the whole process work?
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 How can i build my credit? |
| I am young and have been trying to establish some type of good credit. Besides the normal- renting an apartment, buying a car, having bills in my name, making sure i pay on time, and applying for ... |
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 How much could someone actually do with a million dollars(like give examples!)? |
| It just doesn't seem like that much money to me. Someone asked on here, if someone offered you one million dollars would you stop watching television forever and I said no, even though I barely ... |
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 I have a credit score of 575? |
and i payed down half of my credit card. and payed off a collection do you think it should bring my score up by 5 or more points did this biginning of last month
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also ... |
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 I'm broke and I can't pay my credit card... what should I do? |
| My company closed and I'm out of job at the moment but it would take some time for me to recover financially. I can't pay my credit card. What should I do? Please help...... |
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nibycuba | Does Opting Out of “prescreened” offers by Credit Cards affects your credit score? |
Does Opting Out of “prescreened” offers by Credit Cards companies, by sending a letter to three Credit Bureaus asking them not to send more pre-qualified products affects your credit score? |
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Expert Realtor
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No, they don't affect your credit score because CC Co's buy these from the credit bureaus and that is one of the ways credit bureau's generate income.
I personally, don't like to opt out of everything b/c that cuts you off from other deals that may be better than the one you have. I have cut out the telemarketers, but I do like to get credit card offers and deals that people I currently do business with, offers. |
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echo
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Opting out will do nothing to a persons scores.
It will keep the CRA's from "selling" your information to creditors.
When a creditor purchases your information, they will do a soft inquiry - never a hard inquiry.
The soft's do not affect your credit or credit scores since the only one who sees your soft's is you. |
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burt
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I found interesting information about your answer Here:
credit cards:
http://all-debt-consolidation-loan.blogspot.com/2007/07/chase-credit-cards.html
Good Luck! |
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hillbilly
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I don't know for sure, but I'd rather doubt it. I may do the same thing. |
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Kat H
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It shouldn't... Those offers are just an advertising ploy anyway. The only thing that effects your credit score is how many cards you get, and how well you pay on them. The offers are just garbage, really. |
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outlawimmortal2
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Only if you decide later that you want a credit card and they have to pull your report. You would get hit with an inquiry. |
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Dewey K
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No, they have bought your name from the credit bureaus. |
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Jenny M
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No, when you are pre-screened for a credit card this is generally a soft credit inquiry, when you pull your own credit report you may be able to see these, however, other creditors cannot see these types of inquiries (often they can get this information from business partners, etc.). What will hurt you is if you respond to these applications, as this registers as a hard inquiry and creditors CAN see this when they pull your credit report when applying for a loan/mortgage. Hard inquiries hurt you as creditors/potential creditors see you as being in search of credit. There are some exceptions to this, for example if you are searching for a mortgage, several inquiries within a short period of time will not hurt your score as much as several credit card applications in the same sort of time frame. Opting out doesn't hurt your score, same as just not applying to these offers. |
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yanta_1999
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It might only because a credit card company may look at your credit report to see if you are credit worthy and when you opt out they wont be checking--that is actually a GOOD thing. Will it affect it negatively? Not in any way that I can see. |
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mslooking
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no it does not, the thing is and alot of people don't know this, is the more you have company's check your credit the worse it can look on your credit. For example, when you go to a car dealer, they don't only send your info for appvl to just one credit company they send you info to many of them. |
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elbac2
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Opting out as in throwing in the garbage?
No. |
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