 Aren't credit card companies some of the biggest crooks around? |
| I just went over on my credit card by a few dollars because the company decided to give me a 34 day billing cycle this month. My interest was 181 and I only had 177 available credit. I paid enough ... |
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 How do I pay off $190000 in studen loans? |
| So, when I took out $175,000 in student loans to get through lawschool, pay back didn't seem like it would be a problem. However, I have graduated to a bad market and with substantial health ... |
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 I owe $100,000.00 on 22 credit cards. However, I can't afford to pay them. What legally can they do to me? |
| I know they can sue me in civil court and get a judgement against me for the owed amount plus other fees. I wouldn't even be able to pay the judgements! Will the judgement cause me to have my ... |
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 Are there credit cards for people with bad credit? Where do I get one? |
| My life is more established and I would like to get a credit card. However, I have bad credit, is it possible to get a credit card? Any suggestions...?... |
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 Clearing off credit cards - please help? |
| basically i have a credit card with vanquis bank I have used up my limited of £1000k, i pay off only the interest everymonth of £50, i am planning to pay off £800 the end of this month will my ... |
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| Is a credit score of 551 bad and can i get a car loan with it? |
| is a credit score of 551 bad and can i get a car loan with ... |
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 Do anyone out there think Salute Visa is a Scam??? |
| I applied for this card three months ago and never received any letters of approval or anything, than when I call the customer service reps all tell you something different. I even asked for an ... |
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 Can anyone stole money from my bank account? |
| i had received a mail that i am eligible for receiving 15 million dollars from some . i had given my account name & bank account no ( personal details also)to that person for transfer of funds. i ... |
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 Does anyone really think we are headed for a cashless society? |
The ceo of VISA wishes that by 2012 the US becomes a cashless society. Is this really possible? The US coin mints and currancy printers are owned by the government not banks.
Even though I... |
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 How I can resolve this credit problem? |
| There is an account that is in creditor collection.I do not know the origin of this past due account. I have never being notified of any debt.... |
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 I am terribly in debt HELP? |
| as a single mother I do not have alot of income. Is there any way a credit card company will work with me to lower my monthly payments or anything? This is really important to me and I just don'... |
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 Do collections agencies lower the bill if you negotiate with them? |
| when i paid some of my collections the agencies would lower about 30% but then i requested this to be done at another collection agency and they said it was illegal!... |
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 If I have 0 interest on a credit card for 4 years why would they call me if I skipped a payment??? |
| I really don't get it.... I have 4 years with 0 interest (I have until June of 2010). The card is not going to be an issue to pay off, but I skipped last month for some extra cash, and doubled ... |
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 Credit of 601? |
i have a 601 credit score is it bad or good
Additional Details
what companies will give me ... |
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 This is a stupid question about writing a cheque.. |
| after you write the amount in numbrs do you HAVE to put only afterwards. i.e Three Hundred Pounds only... or can you just put a line.. because thats what I did.... |
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 Whats a money order and how do i get it? |
| i wanna send cash in the mail,but everyone is telling me to do a money order instead.how do you do that?i can get it at walmart??how do i do that?... |
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oneofthebless | HOW can i improve my Credit? |
I have no credit cards. I have no loans outstanding. I do have a past chapter 13. Paying on al old accounts. So what else can I do to improve my credit.. |
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Waine
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The best way to shop for a credit card is to divide them into categories. There are seven categories that all major credit cards fall into, click below for more info:
http://credit-cards.ebookorama.com |
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miSS rARe
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The answer to this is easy. The only way you can improve your credit is if you have a cell phone or other types of ultilities like electrical even your bank account. If you are in good standing with these ultilities report them to each credit bearu. This will cost a bit of extra money but this is the sure way to improve your credit rating within time. So if you do have these things then get on to reporting them right away!! |
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ed
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Do you have any assets? I know you can/t answer me.
If you even have a car, paid in full, any jewlery of high value, or can obtain a co-signer...
Do this, faithfully. Try to get a loan, you'll probably need collateral as above. Maybe a 90 day note, payble in 90 days.
DO NOT spend that money. Even if it's $100.00 or more.
Place it in the bank. On the date the note is due, pay it off. Bear in mind this will entail a reasonable interest charge to pay. You will know how much that is.
Wait for a time, 30-60 days. Make another loan, you may still need collateral. Do it, and follow the above suggestions.
Pay that off again with the interest, DO NOT pay early, on time only.
Do this several times. I guarantee that each time you pay the note and interest, your credit will improve. In a very short time, you will be able to do this without collateral, and obtain a credit card for some minimal amount. Use restraint and pay on time. |
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game buddee
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Get a secure credit card via your bank.
Make sure the max allowed on the credit card is kept reasonably low. (to where you can charge up to around 75% of the total line of credit). If you get increase letters, rip them up and keep it where you have it. You need to keep the credit card used at least 50-75% of the way. When you get your statement, pay it off in full every time. |
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berthabuns
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get a secured card with a reputable place, not those scamsters who charge you not only an application fee, but an annual fee and maintenance fees. Once you get that card, use it like an AmEx. Charge small amounts and pay the whole balance before the next due date. Do that religiously for at least a year, and you may get a small increase in your FICO score. If that chapter 13 is less than 5 years old, it will be very hard to do any unsecured credit. Credit takes time to rebuild. |
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MYRAJEAN
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you need to obtain some debt and paid if off on time, a car loan , or 1 credit card pay the credit card on time and also do not drop below 50% of your credit limit example if your credit limit is 1000 make sure you have 500 of credit on that card at all times. you have to prove that you can make payment timely. |
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jannie
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your score isn't gonna improve drastically if you had a bankruptcy in your past |
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beautie
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Always pay all of your bills on time, do without other things but pay your bills, if you want good credit that is the way to get it, this counts for all your utility bills, too. Once you lose it , it's hard to earn it back, and do not have 2 or 3 credit cards, because I know from experience you can never pay them off, but something happened that I did pay off $ 30,000. worth I now have only one card & if I use it I always pay when the statement comes in. This is good advice, take it. |
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judas
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get a job, save money. |
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gypsynuke
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If you can get a credit card, use it to pay a bill then pay the credit card off the next day. This shows use of your card and you don't pay any interest. The problem comes if you don't have any discipline. If you don't have any loans, get one and set up a direct deposit to pay it off.
Unfortunately the only way to improve your credit is to keep getting credit and never ever being late.
While it's not what you asked for, I would say don't worry about your credit. Unless you really need it for a loan, having good credit generally means paying a lot of interest. The trick with the credit card I mentioned above is the only way I know to improve your credit without paying interest. |
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bj_osterhout
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You need a special credit rebuilder credit card.
It is called a "secured" credit card because it is attached to your bank account.
http://www.usbank.com/cgi_w/cfm/creditcards/secured/usb_secured_card.cfm
The U.S. Bank Secured Visa ® Card -
All you need to do is send the bank a cashier's check, a certified check, or a money order with your credit card application (from $300 to $5,000) to open a savings account. Then, once you're approved, they will send you a credit card. Your credit line will be the same amount as your deposit. It looks and works just like any other credit card when you use it at a restaurant or store.
Your deposit is used to open a savings account which assures your credit card can be paid. The money in your savings account is there to "secure" your credit line. The money in your savings account is FDIC insured and won't be touched as long as you make all of your credit card payments on time and your account remains open. Plus, you will earn interest on the money in your savings account.
Your purchases are billed to you each month. Payments are not automatically deducted from your savings account. You are responsible for making at least your minimum payment by the due date each month.
Once you've demonstrated good credit habits with a secured card, you can qualify for a better card. |
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Mrs. Batista
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Pay on time what ever accounts you have open, and don't open alot of new ones!!! |
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carolewkelly
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You are doing what you should be doing. Unfortunately, at this point, improving your credit will take time - lots of time. |
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wear my heart on my butt
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I sure would like to know, I thought I paid off my victorias secret bill, tried to place an order and find out they've been charging me fees all this time 400$ + dollars! GRR
have not received a single bill from them since I made payments in their store and on-line, evil. |
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BlindedByReason
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Keep your business with these companies as minimal as possible. Pay on time, and pay in cash or check as much as possible. This whole credit rating system is around to get THEM rich, and if this country ever goes cashless, most of us will have too poor credit to be able to do much except maybe eat and pee. |
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