 I received a judgement against a credit card...? |
| I had a credit card with a small limit, but life happens (births, accidents causing disability, etc) and I was just making the bare minimum payments until the extra fees and interest being charged ... |
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 What are my options for paying off large credit card debts? |
| I have a great credit history and score, never late on payments, and pay more than the minimum due, but I don't know if I should refinace house, do something with 401k, or get a big loan. I ... |
|
 My credit card stolen money taken out of atm having problems from card company saying my fault cos pin used? |
need advice not to pay money as it was stolen
Additional Details
was on holiday,canery islands,god knows how they used pin as was not with it.i reported it after found out.they have ... |
|
 Do lenders view student loans just as they do other debt such as credit cards? |
| Basically my question is this: In a lenders eyes and for credit reporting/scoring purposes, are all loans viewed equally? Other than the commonly lower interest rates on student loans, is there any ... |
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 Credit Card Question? |
| I had a credit card in 1999. I believe to have stopped paying on it in 2002. Now they say it is at an attorney’s office and they are going to file a claim against me. The attorney was very rude ... |
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 Should I consolidate my $10,000 credit card debts with National Credit Counseling or should I pay it myself? |
| About nine months ago I lost my job and have been unemployed anot have not been able to pay my credit card debts. Some of my credit cards have been charged off and some are not. Just recently I was ... |
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 I paid off all my debt at the end of May & beg. of June, can lenders already see this in my credit report? |
Additional Details
I checked my credit report online recently (with equifax & a couple of others) and it showed that I had zero balances. Is this what lenders will see?... |
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 What could someone do with my credit or debit card details? |
| I mean all the numbers, names, expiry dates, etc on the card. Surely if someone used them online to buy something, the police could just check who or where it was delivered to and catch the crook? Or ... |
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 I'm 18, a freshman in college, and I want to get a credit card to build some credit...one problem...? |
| I would like to get a credit card just to build credit while I'm in college, so when I get out I have a head start if I want to purchase a vehicle or a house in the future. I would only use it ... |
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 I need some advice please...(please only answer if you read ENTIRE QUESTION)? |
| I need to know what I have to do to get my own credit card (from start to finish). I am 22 years old and I still live at home. I already have 2 mastercards and visa card that my dad gave to me when ... |
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 Is having 4 credit cards good or bad? |
| List the good about it, and list the bad about it.... |
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 Can u go to jail if u cant pay credit cards and wat can happen if u dont? |
| I have 6500 dollar credit card debt that i was paying without a problem and i was also paying my car perfectly as well but as soon as the school loan came i can not aford to pay them all. i can pay ... |
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 Can a person with no job and bad credit get a real estate-backed loan? |
| I would like to know if a person who has no job, bad credit but a big equity in his house can get borrow money against his property. Is it possible?... |
|
 Co-Signing? |
My sister is in debt and would like to consolidate. The catch is that she would like me to co-sign with her on the loan.
I don't know alot about co-signing but I do know the risks ... |
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sweetcountrygal1976 | Does anyone have any ideas to up your credit scores quickly? |
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glen s
|
Credit scores increase over time and the proper use of credit.
I would suggest using a credit card (only to the maximum of 75% of the total available credit) and paying it off monthly. Over a 6 month period this should up your score. (which is quick in the credit score time line).
Therefore you should not have a lot of money owing each month if you are paying off the cards at the end of each month (theoretically you should owe $0).
The credit score is a derivative of how much money you owe in total (bad), how often you use credit and pay it off (good), and how much credit you are allowed (credit card limits)(good) and how "deep" you are into the credit cards(bad)...AND how many "hits" or companies have checked into your credit report over the last year (bad) showing how much "credit shopping" you are doing.
Hope this helps... |
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Luis C
|
PIGGYBACKING: Despite its' virtually
unlimited potential, piggybacking is
not used by nearly as many consumers as
it should be. It's easy, effective,
and extremely fast. Unfortunately,
it's mostly used among parents and
siblings while those who can really
benefit stay in the dark.
How it works. Almost every credit
card or credit account will allow the
primary account holder to add on (at a
later date) what's known as an
"Authorized User" or "Secondary Account
Holder". In most cases, when this is
done, the entire account history
(retroactively) gets posted to the
authorized users credit report
regardless of their current age or
credit history!
For example. If it's a credit card
with a $10,000 limit which has been
paid as agreed for the last 10 years,
then that complete history will be
posted to the authorized users' credit
report. I once saw a clients' credit
report who used this technique with his
mother. He was only 24 at the time and
he had a $15,000 Gold credit card on
his report with history going back 11
years! I laughed as I thought to
myself that this kid would have had to
be approved when he was 13 years old
for this account to be his!
As you can see, this strategy is
usually only used by parents and their
children and in most cases with no
regard to the benefits the children are
reaping credit wise! In fact, in
recent years, due to its'
effectiveness, this technique has led
individuals with excellent credit
scores to "rent out" authorized user
accounts on one or even multiple credit
cards in return for a fee! I once
recall seeing an ad in USA TODAY for
just such an opportunity. Like most
good credit loopholes, I'm sure this
methods' days are numbered much like
what may be the case with...
For more information on the CREDIT
SECRETS BIBLE you may visit:
http://gaby1221.niesong.hop.clickbank.net |
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Peanut Butter
|
Pay off any outstanding credit card balances then cancel those cards. Keep paying you bills on time. |
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besthusbandever
 |
you can't up your score quickly, to make it better, pay your bills on time, don't apply for any more credit that you don't need, pay down your credit card balances, pay off any past due loans or loans that have been charged off |
|
Meo
 |
a good way is by buying everything with your credit card and paying your bill as soon as you get it |
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bunnny
|
Get your JCPenny card.It doesn't matter what you buying from them (even socks). It really helps.
Good luck. |
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GTA_Realtor
|
Here is the formula how Credit works
35% Payment History
30% Balance Owed (ration Limit to balance.
This means If you have a card with 1000$ limit and your balance is 900.. Its going to be bad. If the limit is 5000$ and the balance is 900 it will help to make your rating better
15% Length of Credit(longer is better)
10% Recent credit activity
10% Type of credit..( having mix of credits like loan card, LOC is better)
Thx
GTA_Realtor
www.powerofsalehome.com |
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javier r
|
The best way I know of is to: 1) Check your credit report and dispute items that are hurting your score. You may even find out that some of the items affecting your score are erroneous. I tried to buy a car 2 years ago, but returned it after a week, and the county still thought I owned it, so they reported me for back property taxes. I called them on the # found on the report and fixed it right away. It came off my report in 5 days. 2) Dont pull your credit too often. It is preferable to do it at a minimum every 3 months. The more you pull it, the more it hurts your score. 3) Find somebody in your family with good revolving credit ie credit cards, store cards, etc., that are in good standing with an account for more than 2 years. Have them add you to that account, have them receive the card when its mailed out so they can cut it up, and your score will go up an average of 10 to 20 points per account in 1 month. (thats how long before it is reported to the credit bearus. Make sure they cut up the card, seen how you really dont need it, if youre reading this, that is. |
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Robert S
 |
There is no legal way to increase your credit score quickly. |
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