 What do I do when I get a letter from a collection agency about an invalid credit card from 1992 I dont recall |
| I do not recall having this credit card. I did file a bankrupcy around that time and it is not on the creditors list filed. This credit card is for over 5,000 dollars and I think I would of at that ... |
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 I have 15,000 in credit card debt and really need to do something to get out. Any suggestions? |
| I cannot refi my house because of a Prepayment penalty. I spoke to my local bank about trying to get a personal loan but it will be at a 20% interest rate at a $500 a month payment for the next 5 ... |
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 I just got a letter in mail saying that the credit card used to pay my bill was rejected by my bank..? |
| for my invoice was rejected the thing is... i dont own a credit card i i didnt use this company for any thing what or where to i go to find out about this card? dont have a name of card or what was ... |
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 If I pay my credit card before the statement, is this good for my credit or bad for my credit? |
Hi everyone, I got a Citi card. I always pay it before the statement online. So every statement date I will got a balance $0. Is this good for my credit or bad for my credit?
Can someone help ... |
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 I cannot pay my credit card bill? |
| What would happen? There's an outstanding amount of about 300 quids and I am completely broke. Can somebody tell in detail what would happen?... |
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 Hi I need a loan asap of about £2000 to help my family out im 19 and work full time.? |
I tried the banks have no luck im not worried about the payment and the interest they charge just want somewhere that i can get some cash
T... |
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 If someone donated 5 billion dollars?, what would you do with it? |
| Tell me, what would you do. One the first day getting 6.9 billion, what and how would you respond?... |
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 Is it legal for a wife to get credit cards under husbands name without his consent of is it forgery ? |
| happen to friend and didn't think it was legal especially if they for some reason were to seperate his credit would be shot if not payed off.... |
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 My credit score is 760 and my cousin recently asked me to Cosign on a car loan with her.? |
| I've never cosigned for anything with anyone so I'm not sure what to do. She's asked her parents and they've said no. My mom advised me not to do it. The loan is 4000, however she ... |
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 How do credit card companies or collection agencies get your cellular phone number? |
| If a person is late paying a credit card bill , how do the companies get your cellualr phone number when you only gave them your home and work phone numbers when you first applied with them?... |
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 I lost my wallet including driver's licence, 3 credit cards, social security card,etc. What should I do next? |
| I lost my wallet including driver's licence, 3 credit cards, social security card, ATM receipts, etc. I called all credit card companies to cancel the cards, and put a fraud alert on my credit ... |
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 I need a car loan, but my credit isnt good enough!? |
| Wells Fargo has the lowest interest rates, but my credit report sort of sucks because of my husband not paying his bills in the past(grr). Financers that dont care abut your credit report usually ... |
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 I need to boost my credit? any good advice? |
| ill keep it simple i need a credit check to get a cellphone plan, i am 18 and i dont have a credit card but a very steady job and such blah blah blah, i dont know how much i have or need, but i ... |
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 Is it possible to block a merchant from making further charges to my credit card? |
| I recently had a bad experience with a merchant concerning some charges they made to my card. Though I have resolved the issue with them, I would feel more comfortable if I could arrange it so that ... |
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 Can I use my debit card to purchase stuff online? |
| I was given a debit card from my bank and I was told that I can use it as a credit card too. It looks exactly like a credit card, it's a Mastercard, it has 16 digit number and an expiration date ... |
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| Payment to credit card company lost in the mail. What to do? |
| My credit card payment was due October 6; balance was $500. Minimum payment is $15. I use my credit card for EVERYTHING so I can earn points, but I pay off the balance in full each month. I always ... |
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 What should i do plz help! Husband going to court? |
| My husband has charge card debt and has just got a court summons. We have been married for 2 yrs and all his credit card debt was from before we were married. I have a savings account with a large ... |
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JUST A GIRL | Help!!!! credit card question????? |
My Dad has a credit card if he adds me as a additonal person on his card so that i can use it will it help me to build my credit? |
 |
 
Ridabird
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NO, GET YOUR OWN!!!! |
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Jose R
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The first question you should ask is why you need to build your credit? Having credit is like being able to drive, it gives you freedom, but you are responsible for your good and bad decisions.
You can wreck your car, or get tickets, both which will cost you. Just as easily, you can go nuts buying on credit, and turn yourself into a slave of the credit card companies, paying high interest on items you didn't need or meals you already ate and got rid of.
If you get a card, don't charge more than you would spend if you were paying cash. Pay the full balance when the statement arrives.
Also, put money in savings each paycheck you get. This will become your emergency fund, which will bail you out with less cost than carrying a balance on your card.
"Debt is normal; Broke is normal; Be weird!" Dave Ramsey |
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Jeff
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No, that loophole was fixed a couple years ago.
Some of these "credit repair" companies would attach a customer's name to a complete stranger's credit cards, so they'd start getting the benefits of good, paid off, credit. |
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Hubert A
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No. Only the credit of the main accounts holder is affected.
Supplemental card holders credit will not even show the trade line. |
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FinanceMan
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See... in such a case, as your "dad" is responsible to pay expenses made by you, only the credit will go to him but not you.
You do some thing independently - that is required. |
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junebug
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Yes, on your credit report it will show and "A" next to the report..meaning you are an authorized user. |
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mphsblue
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FICO no longer gives you credit nor harm for being an authorized user. The scoring mechanism moves past this on a credit report without recognizing it from a credit standpoint. However, the good news is that when FICO '08 gets rolled out there will be recognition for being authorized user and you will get credit for it. This is the result of scores of complaints that they received from consumers that, for example, want to help their spouse or children build credit. |
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stopccdebt
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Not anymore. You must be a primary co-applicant. Authorized users will no longer benefit from the account history. |
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helo pilot cfi
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NO |
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J H
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nope it his credit.. Try to get a gas station credit card....their real easy to get and yo will build your own credit |
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Abcd
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you will not be able to build credit because you are not the primary holder, check out www.fastcreditcardapprovals.com here they have credit cards for people with poor or no credit they might help you get started, just go under poor or no credit. good luck |
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myportraitdrawing
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Not if the card is in his name. You are just authorized to use it, so it is still considered his card for record-keeping purposes, and it all goes on his credit report, not yours. If you want to build a credit history, sign up for some mobile phone service, or join a health club, and the monthly payments will establish a payment history. After about 6 months you will begin to get credit card offers in the mail. |
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loafsta
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No. The only way you can build your credit is to have primary responsibility for a card in your name. |
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Greenbay All the Way!!!!!
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nope, the bills in his name, the account is his. |
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Lorin Margo
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yes. it will. but, having your own credit card is even better because you're showing sole ownership and not under someone's name. but it's a great way to start building credit |
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Mark
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Not anymore! The new fico 08 system for determining credit score no longer includes "authorized users" in the calculation. This is commonly referred to as "Piggybacking" and its not longer beneficial to either the card holder, or the authorized user. You have to build/rebuild credit on your own, unless you have a co-signer..which is different.
Hope that helps! |
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dscottprice
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Probably not. The only thing that helps build your credit is the information reported to the credit bureaus. That info is only submitted for the "owner" of the credit account, not for those who have secondary cards. |
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