 Are there any good sites where I can check my credit? |
| I got different credit scores from 2 different sites, why is this? if anyone knows of any good sites post them here, I would appreciate it, thanks.... |
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 Is it better to negotiate charge off amounts with creditors or pay in full? |
| should i negotiate a discount? or pay in full? whats better for my credit report/ does it matteR?... |
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 I want to improve my credit but all my debt is at least 3 years old and all in collections. What to do? |
| My credit score is currently 570 and I want to improve it but because my debt is all in collections and they are all at least 3 years old I don't know what to do.... |
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 Credit card problems? |
| i tried to order something through Paypal (which i do all the time), but the transaction didn't go through and it said that my card was denied by my credit card issuer. I didn't cancel my ... |
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 Is there a way to get your money from someone who borrowed your credit card? |
| I let my friend use my credit card to charge something, he said he was going to pay it right back in a couple of days, or he could put the limit right back on my Visa with his Visa. But since I let ... |
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 I have a 1 year old debt, does credit get worse the longer I don't pay? |
| I'm currently 20 and about a year ago had to visit the hospital due to an ear problem. The bill is approx 2,500 and I have yet to pay it. I have no other form of credit history that I am aware ... |
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 Which is the best credit card to get?? |
| I dont know much about credit cards...help please. I have the student visa from bank of america but i want another one.... |
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 Credit card? |
| Is there any problem if we'll not pay the bill of credit card. Or, If we'll go for settlement, they keep the details as defaulter or, wht? plz advice....... |
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 Can I get a used car loan? |
| I just turned 18 last week. I have been driving a 1988 Ford Escort for a year and a half. I paid $500 for this car so I am not sure if it is even applicaple for a trade in. I think it is time to ... |
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 Do negative records really "disappear" from your credit report in 7 years? |
| I recently viewed my credit report, and a lot of negative/delinquent accounts and records are not on it. So is true what they say about negative items being deleted from one's report after 7 ... |
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 Personal loan 5,000? |
| I need a four thousand dollars to pya off my credit card debt becuase I am looking ot buy a house in three years and I would not have gotten rid of my credit car debt by then.... |
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 Would this hurt my credit? |
| I have perfect credit as of right now I always pay of my credit cards and on time. I got a the cell phone service Altell and didn't really like it to much, so i canceled after a few days, now i ... |
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 What happens when you don't make ur minimum payments (credit card debt)? |
| so i'm having a little trouble making the minimum payments right now. In about 2 months, i know i'll be able to make them. But what concerns me is how the credit card companies keep calling ... |
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 Can i still be eligible for a car loan even my car is under reposession? |
| our car was repossessed.and we cannot pay for the whole amount.instead of paying it,we are planning to used the money for down payment for a brand new car.can i still be eligible for a car loan?we ... |
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 Which credit card companies will give credit cards to someone who is a discharged bankrupt? |
| A friend of mine was made bankrupt a few years ago, but has been discharged for about 18 months or so. So he can try and build his credit up, which credit card companies would allow him to obtain a ... |
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 At work they want me to do tasks that go against my beliefs.am i being unreasonable by refusing? |
| i work for a place that distributes loans. i got the job through an agency and was told itd be basic admin work. now they are trying to get us to take applications for loans and take money from ... |
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hinallc | Does one delinquet credit card effect your other cards you have? |
i have one credit card that is maxed and Im having a hard time paying the min payment. ive already consolodated the best I can....I have another card that has quite a bit of limit left and my payments are low. if I get behind on my payments on my first card, will they cancel my second card, even though its two different companies? |
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meandnadine
 |
They may not cancel it, but the latest thing credit card companies are doing is pulling your credit history and checking up on you.
If they see you are maxed out on other cards, they may raise your rates because they will now see you as a higher risk.
It may not be fair, but unfortunately it's legal. |
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Judy1
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It can affect it - often they'll increase your interest rate a lot on another card even if it's a different company |
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Celeste
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They might not cancel the credit card but they'll most likely hit you with the higher interest rates.
It's called universal default. Creditors watch your financial behavior and if they see high balances on your cards or missed or late payments they'll start raising your rates.
So, instead of 9-12% now you'll be getting 20-25%!
They also might lower your credit limit. |
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Etta P
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There are cards that have a clause with in the agreement that allows them to run your credit periodically, say may be running it to check on increasing your credit limits, but if they negative credit, delinquency, and maxed out credit they may shut it down or reduce the limit. Check your card holder agreement. hope it helps! |
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Crystal P
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They won't cancel your second credit card if your payment history is good. But your delinquent card will have an effect on your credit score or if you plan on applying for another credit card. |
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bdancer222
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Some of the bigger credit card companies periodically check your credit report. If you have a drop in your credit score or any negatives, they increase your interest rate.
You need to stop charging on those cards. Sit down and make a strict budget. Eliminate all the unnecessary stuff -- like premium cable and internet, cell phone, new clothes, eating out, etc.
Think about getting a second job to increase your income. Then put every extra cent onto that maxed out card. The accruing interest will push it over the limit and cost you even more fees. |
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rhsaunders
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Sometimes. There is a thing called "joint default" which some card companies use to jack your rate if another card is in default. So you need to make at least minimum payments on all of them, and pay down the entire balance as quickly as possible. The finance charges will eat your lunch --- and your dinner too. |
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smiling_freds_biz_info
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Start looking for ways to curb credit spending and increasing your income?
If they cancel your card....it may be very hard to get it back again. Make the min payments....but note 1st para. |
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Brian G
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No, a card on a separately issued account, even from the same company, will not be affected by you making late payments on another account. The only thing it may affect is you being able to get credit limit increases. |
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Justme
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I am not sure. tthey might because if you screw up the card you screw up your credit rating and that affects everything. mind you since youy already have the card they won't be running any checks. i would try really hard to keep payments up on the card in any case. small payments are better than none. something to look at is to go to the bank and get a consolidation loan (line of credit which has a low %) and pay them both off. then cut one off. i learned from experience that one should never have more than one credit card no matter what the stores offer you. |
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