 Plz help first credit card!? |
| I just turned 18 and i am trying to get a credit card and they told me to apply to stores first so i applied to walmart and target but everyone keeps denying me because i have no previous credit? ... |
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 Are there any banks that don't look at your credit history? |
| How do I start a bank account if I messed up on one already and no other bank will let me in?... |
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 What is a good credit score ? |
| what is your credit score?... |
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 If you consolidate all your debt of your credit cards, does this terminate the credit cards ? |
| I'm not in massive debt, but I lost my job and I don't plan on using credit MUCH so i just want it all paid so I don't have to worry about the balances, but I don't want to lose ... |
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 Can debt collectors seize my car? |
| That's prety much the only asset I have, and I was wondering if a collection agency can seize it as collateral. I haven't signed any contracts with my car as collateral, so I don't ... |
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 Can you file bankruptcy more than once in 7 years? |
| does it matter if one bankruptcy was filed while you were married and then get divorced and want to later file as a single? Does it matter the type?... |
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 My credit card company are sending me a new pin because i have forgot my number? |
| i have had this account for 2 years so its not a new card, i am taking the card out shopping with me today, will the shops let me sign for my goods, even though everywhere is "chip and pin" ... |
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 If i have bad credit and want to buy a house and have about 80000.00 cash? |
would they sell to me
Additional Details
i wanted to use as a down pymt on 200,000.00 house credit is clean except for discharged bk .... |
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 I make 16k a year .. can I afford a 600,000$ mortgage? |
| I found my dream house selling for 601,500$ And I have managed to save 1500 over the last 2 years. My credit score is very good. I think its 610. And if they want, I can also show that i get a 300$ ... |
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 What are my options? |
| I am interesting in purchasing my first car. I do not have a co-signer available though. I don't think that I can apply for a bank loan because I don't think my credit score is high ... |
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 Anyone know of a mortgage lender who will loan to people with bad credit? |
| I had cancer a few years ago and spent 2 years fighting to get SS Disability. Things are better financially now but my credit has some delinquent medical bills on it and my score is in the low 500&#... |
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 VISA Gift Card?? |
My dad got me a VISA gift card for $100. He said that where ever they took VISA I could use it!
I was trying to buy a song on iTunes and I entered the credit card number and the security code ... |
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 I just got my first credit card in today but...? |
| im wondering why i have the balance i have. I know i had to pay an annual fee and all but after the fee, i have 124.00 on the card but then when i just checked online, it says i have only 75.00 on ... |
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 Why did Bank of America charge me 32.2 % interest? |
| I was late on a credit card payment to Bank of America and went over the credit limit. The next months billing statement charged me 32.2 % interest. I called to see if they would lower it, they said ... |
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bigdayforme | Does any one know how to increase the credit Rating? |
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jessigirl00781
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Make your payments ontime, make sure nothing else gets put on your credit report as a negative. Dispute any negatives that can be disputed! |
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p_wabbit
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if you set up "direct withdrawl" for your basic utilities (like electric, cable - that sort of thing).. that flags you as someone who has the financial werewithall not to sweat small bills and they up your credit score as a result (need to do this for a few months first)...
that of course and all the other things like always paying on time, etc. |
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sid
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its a strange thing. but the more loans you have and pay well increases your rating. it makes you look solvent.. sad but true |
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davydd1
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PAY YOUR BILLS ON TIME........ |
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Sir Ron
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The best way to increase your credit score it to challenge everything on your credit report. I'm not advertising, but I went to wealthlink.com/2dominate and used a service that was spectacular. My original score was in the upper 500's but now they are in the 700's. This is no joke. There may be a lot of stuff on your report that shouldn't be on there. Request that it be removed. That will start the process. The bureaus of 30 days to confirm or deny that the information is correct. If the information cannot be verified, they will have to remove it. It's just that simple. No sale. Just fact. |
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zcommodore
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The easy answer is always paying your bills on time. However, another one not so obvious is having a lot of unused credit. If you have several credit cards with $3-5000 of available credit but you've only used $3-500 then it shows you know how to handle the credit you have. On the contrary, if your $3-5000 of credit is nearly maxed out, it hurts your credit score.
Another factor is how long you've had credit. If you cancel your old credit cards, then you lose part of your credit history.
A lot of recent credit inquiries hurt your credit score so once you get your credit established, use it wisely for a few months without applying for more.
Changing jobs a lot will hurt as well as moving frequently. Employers and rental agencies check your credit scores when you get new jobs/move and this will hurt your score just because of the credit check.
When buying insurance for auto/home, don't fill out too many applications because they all check your credit and it will affect your score. The same thing goes for getting a mortgage.
The key is responsible use of credit and stability in usage of that credit and in your financial life. |
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5150
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Depends what you currently have on your credit. |
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agent67trav
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Well of course paying your bills on time. Also if you have a credit card try paying it off at the end of the month. If you trade in a car and get another one it will show that that loan was paid in full on the first car. That helps big time. IF your able to do that. Also don't let to many people pull your credit it lowers the score. Or if you own your home refinance it and it will show that loan paid to. That helps big time too. Good luck !!!!!! |
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delta9
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i heardpaying your credit card in full each month really helps |
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James H
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Have a look here. |
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mikail
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Negotiate for a debt cancellation and pay off the balance. Dance to imf/world bank dictation, employ an ex of imf as minister for finance and you instantly qualify |
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Jayne 2 (LMHJJ)
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Always pay your bills on time, never go in the red and work your bank account well.
My husband was out of work for a long time a few years back, but because I had always paid our bills etc when he got a job and we applied for a mortgage they gave us one on the spot. Even the mortgage adviser couldn't believe we were approved right away. |
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spike
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open many accounts that are undersigned by different banks
then make always the right payments in time
they will use your history to give you more and more credit over time
takes approx. 1-2 jears |
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eloriarl
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#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc). You can get your first set free on an annual basis at annualcreditreport.com.
#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.
#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.
#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.
#5.) check out some of the posts on creditnet.com and creditboards.com for assistance.
#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.
#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.
This of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck! |
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Baconbits
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pay in full every month |
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rjss
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This question was asked about 6 months ago. You may find the best answer interesting. Click the link below: |
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