 Does anyone know someone who is willing to provide a 15000 loan with bad credit? |
| i have been trrying to get a loan for quite some time but most of the companies either deny or require me to send the first four months first in order to qualify but i dnt trust sending the money ... |
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 Bankrupt?? |
| If I File For Bank rupcy will they take my house and my car if there not payed ... |
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 I just paid off credit problems in March, how long before it's okay to start applying for new credit? |
| I just recently paid off all of my credit problems and was wondering how long should I wait to apply for credit to attempt to re-establish my credit. Also, how long does it take to start ... |
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 Are there any benefits to paying off the debt that I owe? |
| What I mean is that I am hearing that negative information stays on your credit report for 7 years, even if it is paid off. So is there even a point in paying it off if it won't benefit my ... |
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 What is the reason for this? It sucks? |
| I want to buy a house. My credit is not bad. The aturny gen. has a jugement agenst me. It is 4 years old. It was payed off 3 years ago. I have writen letters to the credit *** holes but they will not ... |
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 Money budgeing HELP!!!? |
I am in the same situation as many people I make enough money but still somehow have none let over for cushioning
Auto-$442
Insurance- $127
Rent-$733
Cell-$60
Cable-$35<... |
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 Is it true if you pay at least 10.00 a month, then something cannot be put on your credit report? |
| Is it true that if you pay a small amount each month to a creditor then they cannot put it on your credit report? I owe about 800.00 and some people have said that if you send in 10.00 a month to ... |
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 I has a payday loan that I did not pay, what can they do to me? |
| Can it be theft by check or what? I have some law office calling giving me all this theft by check information. are they just bluffing or what? I cant pay it right now?.?.?.?.?.... |
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 I use a prepay electricity meter, and the credit has gone, I have no money until Friday what can I do?? |
Additional Details
I have 14p left and I have already asked everyone I can think of, to borrow money.... |
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 I'm looking for a good "1st" CREDIT CARD. Who should I go with? |
| Some factors to consider: Im a recent college graduate, I live in southern California, I've never had a credit card, I have no credit, and my main reason for getting a credit card is for use in ... |
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| Solo or Visa Electron? |
| Which debit card would you choose if u had to? or which one is popular? which one is used most?... |
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 If/when i pay off my debt how long will it take to come off my credit report.? |
currently i have 5 things on my credit report.
2 of them are student loans, im good on those.
the other 3 are in collection.
those are:
apartment $5,065
verizon $451
... |
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D | Does cancelling a credit card yourself hurt your credit in any way? |
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Stag S
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No. |
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Meg
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i have done this my self, it did effect my credit, but i was still able to buy a new car, so its not as bad as having sent to collections. |
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T.G.
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It might, it would change your debt availability level.
Credit scores are based on how LONG you've had credit (so if you've had the card a long time, then it's not a good idea to cancel it), but also on how much debt you have vs. how much credit is available (if you cancel one card, you have less available credit which could reflect poorly). |
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todd
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No-- if anything it helps. Closing out open credit card accounts will improve your credit score. |
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zilla
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The credit scores are based upon longevity of accounts and also on amount of available credit among a billion other things it seems.. Having paid off a card (assuming it is paid off) it is better to typically leave it open and available, lowering your overall percentage of available credit to amount owed as well as showing timely payments for a longer timeframe,,, if you follow me then, should have a better impact on your scoring model, but (There is always a but, right?) it is SO hard to forecast exact results.. 50% of score is history of one type or other, water under the bridge or spilt milk as may be case. 30% of score is amounts owed to available. Remaining percentage of score is between number of recent inquiries and types of credit used whether revolving,installment, mortgage etc.. This said,,, Keep proportion of amount owed at less than 50% on revolving and keeping balances at 30% (30% "rope" rule ) if you can keeps the percentage of owed to available low. The lower the better. Imagine a hand scale. The higher your balances as opposed to available credit. The lower the percentage of owed to available the higher the score. Remember this scale visualization and pass it along. The available credit isthe "rope." DON'T use the "rope." Save it as available credit instead of cancelling card until you see the scale tip the other direction when you need to qualify for a mortgage and have to cancel some of the rope cards. That is how I would play it unless you have too much available credit already now. |
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Chris B
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Yea it does hurt your credit...the credit experts say...if you don't want to use it any more to just cut it up, but not cancel it |
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MEMSA
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No it is seen as a smart choice and a step forward to dealing with debts. Having a credit card is like owing someone money and it is tempting to use it even for things you don't need. Now when you think of cancelling it just do it and don't let them talk you out of it since they don't want to loose customers. |
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geno
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Yes, it did mine. It lowers your available credit |
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Rob
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I don't believe so. Unless you know, you leave a balance and then move. :)
The fact is the more you use a certain credit card, the better your credit, assuming you're paying it off every month. Having a whole bunch of cards with balances looks like you are loading yourself up with unrealistic debt that will eventually overcome you and makes you a higher risk (so bad credit).
Only have as many cards as you need. I have a Discover since it gives the most money back (hey, free money!), an American Express for Costco (it's all they take and Costco is a huge money saver), and a Visa for those times when it's the only thing accepted (mastercard can be used the same way...but you don't need both). If you can point to a valid reason why you'd ever need more than 3, let me know. And all 3 of those cards offer some sort of incentive card that gives free money with no annual fee. Have your money work for you...don't work as a slave to your money. |
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tcandshadow
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No. If you have too many credit cards thats no good either. Especially if you want to buy a house or a car. |
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Common Sense
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Nope. |
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callaudrey2pray@sbcglobal.net
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not if account is paid in full and you request that the card be cancelled. It will show as card cancelled by consummer request and show the months of activity to the date of cancellation. |
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