 How do I cancel a credit card? |
| I have about 10 credit cards and want to cancel about half of them just to help with my credit score. Is there a way for me to cancel them and then if I have to, apply for them again? The thing is, ... |
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 Which credit card companies would have me, and which would you recommend? |
| I am 19-years-old. I am a university student and other than my grant/loan and earnings from a summer job, I have no regular income (I saved over summer), but I have enough money to live comfortably ... |
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 Is it normal for bill collectors to...? |
| Call your neighbors? My mom has a lot of overdue credit cards that have gone into collection (long story) and now they are calling her neighbors! Is this normal or even legal?... |
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 I have horrible credit. I need a personal loan, Who can help me. I don't care about the rate.? |
I just want to be able to get my Wife and Son Christmas Presents. I don't have a checking account.
Additional Details
I don't want a handout, I want a ... |
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 Could buying a cheap car help my credit score go up!? |
| Ok i am trying to build my credit up so i had the idea that i would buy a cheap car for say $4K - $5K but i was gonna put down $2K as the deposit and try to pay it of within 6 months. could doing ... |
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 How do i convince my parents to let me have credit card? |
| so my dad has an account open with bank of america and he can add up to nine more people so they can share the line of credit. i want to be added(then i'll get my credit card) i'll only ... |
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 Will having a credit card with a co-signer help my credit or theirs? |
| i know i cannot apply for a credit card under my own name because i have no credit report since i am a college student. i have an available co-signer, but will this help my credit or the co-signer... |
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 Should I cancel my Sam's Credit Card? |
We will be paying off our store only line of credit with Sam's this month. We purchased a large item a few months ago that only Sam's had, but are paying it off this month.
We ... |
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 Debt consolidation? |
| I had 6 credit cards (all taken to collection agencies) i then brought them back to current status, then paid 4 out of the 6 off within the last few months. i have 2 left. both current status. one is ... |
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 Can a person get a mortgage loan with a credit score of 650? If so where? |
| I have had credit trouble in the past. I am now trying to rebuild. I am finding it hard to get a mortgage loan or a major credit card. I have read stories about people getting loans with credit ... |
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 PayPal ?????????????? |
| Can i use a regular debit card or does it have to be a paypal debit card for paypal? Do i have to give them my banking acccount in order to recieve and make payments?... |
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 Is a 772 credit score high? |
| I don't really know how the system works. I just got my credit score.... |
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 Paying off debt question???? |
| I owe about $20,000 in credit card debt that is all in collections for over a year and a half... I recently was given enough money to pay it all off, but should i negotiate the amounts that i owe now,... |
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 Hospital bill collection calls...do I have to pay these? |
| Does having delinquent hospital bills reflect negatively on your credit? I'm a student, I do not have a full time job, therefore I don't have health insurance. I have had to go to the ... |
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 Need to pay off a very high interest loan. My credit sucks. Help.? |
| Cash Call loan @42%. I was desperate, but now I'm looking to lower interest rate, but no one will give me a chance due to my lousy credit. I'm sure there are sources out there that look ... |
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The Baby Brother Of Buddha | How Can I Improve My Credit Rating??? |
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da9950
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try geting a credit card for people with bad/no credit history maybe a capital one credit card . |
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thejuicemakingman
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It is possible that the information on your file is incorrect, which would then affect your credit rating. Your credit rating may also be damaged if you have had problems paying utility or credit card bills in the past due to illness, redundancy or the breakdown of a relationship, for example.
The only way to find out what information is held on you is to pay £2 to look at your personal credit file held by one of the two biggest credit reference agencies in the UK - Experian and Equifax.
If you do find information is incorrect you can add a 'statement of correction' of about 200 words to your file, which will be supplied to lenders in the future.
How can you improve your credit rating?
1. Make sure you are on the electoral register as lenders use it to confirm your name and address. Local authorities have also started compiling a rolling register for people who have moved, so you won't have to wait a year until a new list is compiled.
2. Ensure that you and other family members always pay your bills on time. A lender will see information relating to your other family members when you apply for credit and this may affect their decision. If you are estranged from your family, you can ask the agency to separate the files.
3. If you are turned down, don't then make a series of applications for credit in the hope of finding one lender who will give you money. These applications will also appear on your file and you may look desperate for money, or even worse, it may look as though you are trying to commit fraud. |
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Mike
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Pay all your bills on time, every time.
Catch up on any past-due accounts. |
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Deliah
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Pay any and all bills on time. |
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Emma B
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The advice of the others above but also cancel all credit cards with a zero balance except for 1.
Use the card often but pay off balance every month. This proves you can manage credit. I had a very low credit score until I had a credit card.
Get your credit file from experian and remove any associates that may be bringing you down. 5 years after we split my ex was associated to my account and lowered my score. |
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twv23512654
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First, make sure all the information on your credit report is accurate.
Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.
Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.
Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card. |
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alatoruk
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pay all your credit ontime |
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Ellie.
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Pay off any bad debt you have, pay other bills promptly and either stay away from credit for the next 6 years until it is removed from your credit file or get a credit card from Capital One but make sure you pay it regularly without missing or being late. Unfortunately there is no quick solution. |
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wonderingstar
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pay all your bills on time every month after 12 months your score will be better |
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mudmommy
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First, get a copy of your credit report.
Take a look and see what is on there.
If you have collection items, call the collection agency and make an offer to settle the debt (most times can be done for 50 cents or less on the dollar).
If you have open accounts that you do not use anymore, close them.
If you have high lines of credit - have them reduced
(for example : a credit card with a $10,000 line of credit - you may not use all of it, but you have the potential, creditors are not quick to extend credit when they see this) a simple phone call to the credit card company can resolve this
Check and see how many Inquiries appear on your credit report - this can dramtically drag down your credit rating.
Within a two month period my score dropped over 30 points because of this. I checked my credit report and had 37 inquiries from a company that I did not have credit with and I wasn't seeking credit with them either !!!
You can contact the credit reporting agency to have them removed
If you have several credit cards (revolving balances) try getting a loan to consolidate it all into one payment, then close all the accounts that were paid off
Usually within a 6 month period you will see your rating improve
If you have a car loan - refinance and try to get a lower rate
Whatever you do - do not go for those low/bad credit cards - the rates vary tremendously and you end up paying more a month for interest than you do on the priniple balance - you never get ahead that way.
One more pointer - add up your total available revolving credit (credit cards, car payments) and compare it to your yearly salary - if it exceeds your income - you will not fair well with applying for credit because they will look at you as unable to repay debt - this will also give you a better picture of what you need to do and where you need to adjust |
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Bell
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The only sure way to build up your credit rating is by paying the bill on time... You don't necessarily have to pay off the entire bill each month... just make payments ON TIME and you'll be on your way to good credit. Worked for me =) |
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Rony
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a loan consolidation can help. I found interesting information about your answer & options here. Goodhttp://all-debt-consolidation-loan.blogspot.com/2007/07/loan-consolidation.html Good luck! |
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scrapper419
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You should clean up your credit by disputing negative items that may be holding you down. The key is to have correctly worded letters with the right verbage that will get results. Good luck. |
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