 I need to rent an apartment a.s.a.p.,I have bad credit,& I have contacted credit repair agencies.? |
| First of all,does credit repair work?(If only long enough for me to get a place,that's o.k.) And will it help me get an apartment by Oct.I don't have the time or patience to do the credit ... |
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 Credit Card? |
How long does it normally take to get a Credit card in the mail after being approved?
Additional Details
I am only going to use it so I can get a notebook computer and that is all. Not ... |
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 I have been billed for Food and Wine magazine.This was on my Feb statement. I did not order this magazine.? |
| Do you want to call them or should I? Also, I did not know that I had a credit of $16.50. What was that applied to? I pay our acct. on line when it is due. So, we should not have any finance chgs. A... |
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 Can I take out a small loan from a bank to improve a low credit score? |
| Some one told me to take out a small loan (3 or 4 thousand) and pay off debts and then pay off that loan on time and that would increase my credit score alot? Is that true....imean can i get even a ... |
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 What happens when a collection agency fails to collect the money that is owed on behalf of the creditor? |
| I have some credit card debt that went to a collection agency and I don't have the money to pay at this time. They know this too.Their settlement options were outrageous and the representative ... |
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 Is it safe to associate my credit card with paypal? |
| Have anybody did this before? Any bad/good thing occured please give your ... |
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 What credit card is best for me? |
| I am a 21 year old Junior In college with little credit. I have less than 15000 in school loans. Do i want cash back, points? I know of ppl that were late and thier interest shot through the roof?... |
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 If I do a balance transfer to just one credit card from 2 will it hurt my credit? |
| I recently got 3 low balance high interest rate cards. I got approved for $750 recently which was the highest and it has 0% for 12 months. Obviously I want to do a balance transfer but I am afraid ... |
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 What is the best Credit card? |
| What is the best Credit card offer out there for someone with good credit & pay history. I'm looking for something with low fixed interest and a points reward system... recommendations?... |
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 A cr. card company suing us in small claims court for a debt that is not on our credit report? Can they win? |
Additional Details
My fiance' doesn't even know if this is his debt? Since it is not on his report- how can we know? How could the collector prove that? I mean, it is pretty ... |
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 What's a good credit card for a 21 year old? |
I'm 21, and looking to build credit.
I'd like to apply for a card today, but first I thought I'd ask all of you which cards you would suggest for me. What's a good, reliable ... |
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 Does having too many credit cards have a negative affect on your credit score? |
| I have 2 major credit cards (one visa, and one mastercard), 1 debit card with the mastercard logo (I'm not sure if it's techinically a credit card, I don't think it is), and 3 credit ... |
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 I'm being charged a late fee on my credit card. Is this even a reason to be charged? Any advise? |
| I'm being charge a late fee of $40 for nothing!! I owed $27 for the month but after I returned something and got the credit on the card the balance was $1.06. I sent it on time and everything ... |
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 I need Help!! I have bad debt!? |
| I would llike to obtalin a loan to pay off all of my debt an no lender is willing to give me a chance. When I first turned 18 years old i was careless ran my credit cards and uitility bills up and ... |
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 I have claimed back bank charges from my bank? |
| i have claimed back bank charges from my bank,totalling £1250 and they have sent me a letter offering me £725 as a gesture of goodwill that they will credit to my account if i accept it.However i ... |
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 What is the best way to build ur credit score? |
| I have minor stuff in collection and ive been told that it doesnt effect me much. should i pay it off? would that improve my credit score after its been in collection?... |
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 I have not so good credit my credit score is 593 and I want a credit card for the holidays? |
| Is there anything I can do to get a guareented credit card or a company that is willing to offer one to someone with my score... my credit report only has medical bills and 1 $50.00 blockbuster thing ... |
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 I am thinking about cancelling some of my credit cards, will that affect my credit? |
| i have a couple of cards, but am thinking about cancelling one or two, both of them are paid off. will that affect my credit in any way? my score is already at a low 568. i am trying to increase it.... |
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pearce.karen | Does the length of time I have been with my current bank affect my credit rating? |
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Crazy girl
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It doesn't impact your credit score unless you have a credit card through your bank. Checking and/or savings accounts are not considered. |
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www.hogshead.info
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No! |
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Star
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woolwich desn't I think they are simply rubbish |
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whitegsr94
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It has nothing to do with your FICO score but it does hold weight if you're applying for a loan through the bank in question. A bank will normally treat their long time customers with a little more TLC then someone who just opened their account, unless of course that person just put in six figures or more...Sometimes that added attention to your situation will be the deciding factor in whether or not you're approved for that $25,000 car loan. |
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jackvanz
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Yes, yes, yes. check out the articles on credit scores at
http://www.debtsmart.com/cgi-pl/article.cgi?cmd=category&cat=Credit%20Reports&page=1
Jack |
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Jon H
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Sorry but it doesn't. |
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MSMORTGAGE
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Nope. |
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koifishlady
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no, only if ur account has been closed or written off for overdrafts would it affect ur credit rating. |
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DunnoY
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if you are in the uk then no, it depends more on wether you have made all your payments on time to card companies etc and never defaulted on any items |
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hellbent
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Absolutely; older borrowers are considered more reliable, especially if they have a credit history. The longer credit history you have free of delinquency/default, the stronger a credit you are. Maturity is also important, which comes with age and demonstration that you are responsible in repaying your debts per the repayment schedules.
Most banks having consumer loan or credit card businesses use "scoring" or a template to determine credit worthiness. Age and length of relationship are criteria in these templates.
One demonstration of this is with credit cards. If you've had one for a few years, you will often be given an increase in limit even if not requested, as long as you have an unblemished repayment record. This is true even though the issuer has not enquired about your job/salary.
This does not include mass-mailings or marketing efforts where banks do silly things to rapidly expand their customer base. This is purely a statistical exercise. |
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Pookie
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In a word, yes. |
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