 Question about credit card, to gain credit? Paying off balance in full every month? |
| I need to establish credit, so I have applied for a BancFirst credit card, and my plan was to make like a $50.00 purchase or so each month and pay it off at the end of each month, I am now being told ... |
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 How do I get rid of credit card debt? |
| I'm about $3000 in credit card debt, mostly because I'm a college student and I only make about $600 a month where I work...sometimes a little less because I also have insurance through my ... |
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 Why do i keep failing credit checks? |
| I have been trying to get a phone on contract for a few months now, i have never been in debt and always pay bills on time, but i always get my credit check decline. theres no way of viewing your ... |
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 Debit Gift Card? |
I was wondering if i could use a Vanilla Visa Debit Card on website to buy something from France but on the card it says
VALID ONLY IN THE UNITED STATES
does that mean i cant buy what ever ... |
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 What's a good way to build credit? |
| I would like to build credit so I can take out a loan. I don't have any credit now, and I found a house I'm interested in, so i need to build some credit as fast as possible. Any ... |
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 I just got a letter? |
from the bank saying I got to pay £28 maintenance fee
anyone know what thats ... |
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| A question about my car loan? |
| I purchased a car last year august with bad credit and now have a high intrest of 23%. how long should i wait to try and refinance. my credit is really not any better ... |
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 How long does it take for a negative mark on your credit report to drop off? |
| I had a great credit score until there was a mix up with a cable service that I cancelled but still billed for. I now have (2) derogatory items on my report. I am in the process of disputing this ... |
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 My 1st credit card? |
| how and where can i get one? im 23 and have always just used my debit card. as for my credit i had a few problems a couple years ago but have but have been good for about a year. what is the best way ... |
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 Ex-fiance co-signed car loan (I own car & make ALL pmts) & now wants name off loan-who's responsible to remove |
| Car is in both names (registration) but insured in my name. I have been the sole driver of the car since purchasing it. I have made ALL payments. Ex does not want his name associated with loan. H... |
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 Need to pay a debt by tomorrow or else i have to go to court.? |
| Hi i live in CO and have a collector demanding i pay a discover card i owe 3k on from 1999 when my husband just left me, i could not pay it. This collector is giving me an option to pay 1500 now and ... |
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 Accepting payment from a possible stolen credit card...? |
| Ok, I sold an item on Ebay and it went to someone living in Africa. They have a negative 1 feedback score and someone from the "UK" footed the bill on their credit card in my paypal ... |
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 $40,000 in credit card debt and can't pay..any solutions? |
| My husband and I are in over our heads and we have a baby on the way. We are barely making minimum payments now and we have called to lower interest rates etc. and they are pretty low. My husband ... |
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Savannah B | Experian is saying that my credit score is 703. Why can't I get an auto loan? |
I am only 19 and I have a lack of credit history but with a credit score of 703, why can't I seem to find someone to finance the car that I want? I make approx 35000 annually, so I definitely can afford it!! Please hELp!! |
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London Q
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Get an online auto loan quote. http://www.autoadviceonline.com/Free-Auto-Loan-Quote.html The questionairre will give you results based on your credit and financial situation. It will only take a few minutes. |
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Karen B
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703 is the score Experian give you and not necessarily what score that the credit company would give you, I think people have the wrong idea in regards to credit scoring.
Credit file companies view things in a different way to the finance companies, because they are not the ones lending you the money.
When I was 19 and I went for my first car finance I had to get a guarantor because of me age, so that if I stopped paying the guarantor was then liable |
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Garland J
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It might really save you some money to just get an automobile loan price online to verify what the going rates are. You might be really happy. Also if your credit is not good, a lot of online loaners are more willing to work with you.
What I always tell friends is that an internet quote at http://auto.lowratetoday.com is the way to go.
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TAlex88
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There are 3 major credit bureaus. Experian is just one. this happened to me when i bought my car. My experian report said 697 or in the 690's. I got approved for a loan and they told me my credit score is really in the 590's. One credit report says one thing and the other 2 say other things. I suggest if you have experian then pay the extra to get all three credit reports.
Also, if your trying to buy a car-try putting a parent on the title, that way you can get a better loan and get approved. |
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wcnghj
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That is a FAKO score. You should get all 3 of your FICO's and reports. If anything is wrong, dispute it. |
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Kristian
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Finding a bad credit auto lender take a little bit of work to find the right one. When looking to buy a new or used car, the dealer may offer bad credit financing, or refer you to a lender. Car buyers should consider arranging their own financing.
http://www.worldbestloans.com/autoloans.htm
Unless you have a 700 or higher credit score, it might be a good idea to look at your credit report and see what you can do to improve your credit score. A 700 score will get you the best rates at the best loan terms.t. |
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Josh K
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All kinds of methods are used to determine your credit score. While your credit score with expierian might be high, maybe they checked a report from another bureau, scores on different bureaus can be very different. There is also a chance that they used a different scoring model. Scores that are put out by the bureaus aren't widely used by many lenders or finance companies. Since you are relatively young your lack of credit might also be hurting you. Additionally the amount you want to finance might be playing into the equation. These are just a few of the possibilities
Hope some of this info helps. |
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spdster2003
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FICO scores are not the only determining factor in extending credit. I was in the same boat as you, at the same age as you, when I was working. Your credit score starts out at around 700 when you have no credit history. It will go up and down from there. What you need to do is establish credit (i.e. credit card) and make payments on time for a certain period of time. A cosigner might be able to help in this situation as well.
You also have to understand that the credit markets are still tight because of the turmoil in the markets. Banks/lending institutions are skittish, so they will not accept any high-risk loans (i.e. someone without sufficient credit history). |
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