 How come NO ONE will give me a loan or credit card when my credit rating is 652? Is it THAT bad? |
This is all so confusing.... I get declined wherever I apply for this stuff and nobody can help me and now I have all these inquiries on my report and.... UGH. Shoot me. =/
Why is it everyone ... |
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 Pulled my credit and scores are 609equifax, 642transunion, 672experian. had 2 car loan 1- $28k and 1-$21k..? |
| paid off the $28k loan early last week (sold car) so now I only have 1 car loan at $21k. Wondered if that 609-equifax score might increase because of the $28k debt being removed. I need it to go ... |
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 I have had a cash payment put into my bank account of £270 and it was not me or anyone I know. what do I do? |
I am not going to " steal" it but if someone has paid into my account by mistke will they get it back or will the bank keep it?
What do I do?... |
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 Is it bad to have a high credit limit? |
| I want to increase my credit rating, so I have been putting small purchases like trips to the grocery store on my card. I pay it off every month. I have had this card for over five years, and have ... |
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 I need help or suggestions??? |
| I'm just starting my credit and I have nothing on my credit report, I mean 0, nothing, nada, what can i do to start building my credit, some finance companies and banks dont want to give me ... |
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 I am a authorized user of one of my mom's credit cards and? |
| I made this card so that I can get credit(had no credit) this was about 3 years ago. I recently pulled up a credit report and saw that my mom's credit card had about 50 percent balance of the ... |
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 I have a credit card question?...? |
| I have been trying to find a good card that will accept me. i dont have the best credit but isnt there some cards out there that i can apply for and actually get it?... |
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 Is it better to...? |
cancel your credit card accounts or keep them open.
Does this help your score more if you have open credit or canceled ... |
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 How do I get an car loan with bad credit? |
| I am trying to finance a car but on my credit I have a few charge offs and a judgement. I would like to find a loan from a fianance company rather than going to a buy here pay here place can anyone ... |
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 Convert a visa gift card? |
| i have (4) $500 visa gift cards issued by wells fargo, i really want to use them to pay my CC bill. obviously you cant use one credit card to pay another. is there a way i could convert it to cash? ... |
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 Using my dad's credit card? |
| I went to my college bookstore today to buy books and I was going to use my dad's credit card but they didn't allow me to. They told me I can come back tomorrow with his I.D...the thing is I... |
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 How to establish good credit? |
| perhaps i have collections,they are unknown to me at the moment and i plan on paying them off.But after that then how would i obtain good credit within a short period of time?... |
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 Fixing bad credit? |
| I am not looking for any "miracle cures", I am willing to pay what I owe. What I want to know is when I am negotiating with creditors, there is a certain WAY that they can clear the debt ... |
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 Which is the best credit card in the whole world??? |
Additional Details
Write the reason for ur answer and abt me i live in INDIA and frequently fly abroad..!!!!... |
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 My credit score? |
| My credit score is 574, I only had one credit card and was late on the payments a few months in a row but now i've totally payed it off and they revoked the credit so I don't have any. I ... |
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 Canadian Loan Group? |
| July 27, 2007. Has anybody gotten ahold of anybody in that office? I have been trying for three days to get in touch with them. I have had no luck. If you try them right at 9:00 am their ... |
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lilAudrey | How can I begin to regain Credit after Bankruping a Yr ago? could you be detailed? |
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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 -
A great card to help build or re-establish your credit history while enjoying worldwide purchasing power and flexibility. Plus, you can make your purchases with comfort, knowing you are protected against unauthorized transactions.
Note: This product is only offered to the following: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, ND, NE, NV, OH, OR, SD, TN, UT, WA, WI, WY.
It's easy. All you need to do is send us 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, we'll 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, you'll be well on your way to getting a good credit rating. When you have managed all of your credit obligations responsibly for 12 months, we may be able to move you to another great credit card product without requiring you to secure your credit line.
A good credit rating gives you the freedom to make choices. You'll find that you need good credit to do almost everything from buying a car or a home to ordering merchandise through the mail. So whether you're just starting out, or making a fresh start, the U.S. Bank Secured Card offers you a chance to begin on the right foot." |
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Jenn a
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It takes a long time for bankruptcy to "fall off" your record, but with in a matter of 2 to 3 years after you've filed, you will begin to be able to start establishing a better credit rating. Learn from your mistake. If you don't have the $$ to buy something, you don't need it. |
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toneystiger
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First and Foremost you have to get a copy of your credit report and make sure any and all reports are taken off! If they are still on your report they may just say 0.00 owed by the real amount owed, still all on your report. It all needs to be exsponged. Without that you will never get any chance to start anew or with a fresh, clear credit report. |
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j M
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capitalone.com, they will give a credit card to anyone |
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JRatliff
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Your best bet at this point is to get a secured credit card. This will allow you to start getting some positive credit even though you have a bankruptcy. You could try getting unsecured, but that is unlikely. So, get a secured card, keep it a year and make the payments on time, and you will start increasing your credit rating.
Here are some cards that would fit: http://www.cardoffers.com/partners/links/cpa/search/results.asp?tempid=331609 |
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lookingwesttexas
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car loans are fairly easy to get after a bankruptcy but be sure you can handle the payment before you dive into that. Here is a shortcut to quick credit but it requires knowing someone with good credit. Lets say your parents have excellent credit and have a credit card they have had for 20 years. If you ask them to add you to their account and get you a credit card then it shows up on your credit as well and all of a sudden you have a 10 thousand dollar credit card with nearly no balance and have had it for 20 years. You never even have to use the card or they never even have to give it to you...just add your name to the card. This is the fastest most reliable method of rebuilding credit fast. Another way is with these gold cards you hear about online. They are catalog cards that you have to pay a fee to get and then when you buy things you pay a deposit up front and the rest is taken from your credit balance and you make payments on it. The bad side is that you have to put miney up for the card...pay a deposit for purchases but the good thing is they show a ten thousand dollar credit limit on your credit report and if you just buy a small something every now and then to show activity it will look impressive and improve your credit score. |
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tootiefrootie
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go loan a small amount of money at the bank or credit union...
a secure loan, where they technically lend you the money against assets that you already have at the bank..
lets say you have $500 dollars in the bank, go borrow against it.. and pay it back in payments.. like a car payment (each month) do not pay it back early.. that doesn't do you any good when trying to build your credit
when you get that paid off , borrow a larger amount, say $1000.... after you build a trustworthy relationship with your banker it's all gravy from there |
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heather47374
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It takes 7 years for the bankruptcy to fall off of your history. Or at least it does where I'm from (Indiana). Good ways to build credit are to get a credit card and make your payments on time and pay it off all at once. Buy a house gives you instant credit. Or buy a car and make the payments on time. |
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David H
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The place to begin is in your credit report. Make sure all accounts are shown as "included in bankruptcy". Cleaning up your report after bankruptcy is the single most important thing you can do. The dispute letters are a formality, just send a copy of your discharge paper and all accounts will be updated.
If you didn't reaffirm any charge accounts through the bankruptcy than you need to get a credit account established ASAP. You need to establish a credit history after bankruptcy. Secured cards are an easy way to get started. |
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