 Horriable Credit ... Help!? |
I have the worst credit in the world( this is seriously bad) My score is some where below 520. At the current moment I owe about 35,000 and have 2 repossed cars.
Someone Help me.
A... |
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 PAYPAL PROBLEM HELP EVERy1!! EBAYERS HELP ME!!?!?!?!? |
| well heres my problem, i have sold a few things on ebay and ive withdrawed the money into my account.For the first day it said pending and in the second day it said complete, although they say this ... |
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 I have bad credit history anyone no were i can get a hd tv on finance? |
| i want to get a tv on finance but i have realy bad credit history does anyone no were to get one from who does no credit checks ?????... |
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 How do I get off a carloan as the cosigner? |
| I co-signed for my (now) ex-boyfriends car about a year and a half ago. I only did it because I was told that it would only be for a year, and then it could be transferred into his name. Well that ... |
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 I was contacted about a bill that the company said I never paid. However the bill was paid by check. They want |
| They want proof of payment. I would have to order the canceled check, which would cost me money or I would have to send a copy of my bank statement which Idefinitely would not be comfortable doing. B... |
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 On a senior first date to diner should the man pay check by cash or card for best impression? |
| the man does not want to appear"flashy" by exposing a lot of cash for a gormet diner but also is reluctant to to use the card as he is not a heavy card user and manages his finances well,... |
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 Where can iget a consolidation loan? my credit score(around 670), not behind on payments;need 20,000 loan@12% |
| my interest rates on my credit cards is about 21%. i am paying about 900 monthly but wont get out for about 4 years ..would like consolidate and pay off in 2 ... |
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 Looking to find an online or payday advance type of loan place that I can pay back at the rate of 200-250 a mo |
| If anyone has suggestions please respond asap as it is urgent alot of those places have wayyyyy to high of an interest rate for a single mom of two ....I know someone knows of somewhere...Thanks S... |
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 What will happen with credit card debt? |
| I have credit card debt and the consolidation places don't sound good to me. What would happen if I decided not to pay them anymore? What if I choose to pay off one at a time. Can my wages get ... |
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 Am ticked off! Am in credit from the gas company and they wont give me all my money back.? |
| I really need this money. They are trying to say that i need it for the winter billing, but enough money goes from the bank every month that's why i'm in lots of credit! Does anyone know ... |
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 Loan, help? |
| Does anyone know any loan company or bank that doesnt ask for your employment adress? Im wanitng a loan of 10,000 with the first couple of months off no payments because im starting a job in around 2... |
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 Would we all be better off if we take out a loan we will never afford to pay back? |
I don't take loans and don't owe the bank but I think we should just take all they offer buy some shares in the local ganja grower and make some profits from drug dealing.
The ... |
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 Does anyone know about any credit cards that's easy to get?? |
| I wanna get a credit card but the places i apply deny me. Is there an easier credit card to get into?... |
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 How can you get a visa with little or bad credit and no bank accout? |
| I am having a problem getting credit due to my ex boyfriend and i need some advise what should I do. I am running into brick walls everywhere and I need to have a credit card for exteme events. P... |
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 Paid Surveys? |
| im planning on trying out this membership for this website express paid surveys.com but i only have one concern do companies really pay for you to take a survey and on a minimum how much can anyone ... |
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 Canceling a won item on ebay? |
| Okay well i bought something off of ebay and well its been about 5 days and he hasnt left feedback on my payment so im guessing he didnt send it out yet. I would like to cancel this because its gonna ... |
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Gizmo | How can I build credit if no one will give me a credit card? |
I am 24 years old and have lived on my own and within my means since I was 18. I work in Commercial Real Estate and do fairly well. I pay my rent and all my bills on time (or within 2 days of on time if I forget to send out mail) and have not ever been in debt. I am trying to build credit right now in order to buy my first home as I am sick of renting, earn enough/ have enough savings to do so and would like to take advantage of the low interest rates (yes I plan on staying there long enough to avoid losing money due to the market crash). I have 2 store credit cards that I rarely use and pay off as soon as i get the bill. For some reason, neither shows up in my credit history. My mortgage broker told me to get a card from my bank, where I have had 2 accounts with reasonable balances for the past 6 years and they denied me based on a lack of history. I don't want some kind of high interest scam card that I constantly get pre-approved for. What can I do?
Additional Details
I do have a savings account and I did ask them about that... they said that their credit cards are totally seperate from the other parts of their banking, so no luck there. |
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$m¤¤v¥ £¤¢¤
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I think I know what you broker did. Ask him if he enrolled you with PRBC. It's a new credit bureau that allows people to self enroll to report non traditional bills like you have and report them as credit. Matter of fact, they've teamed up with Fair Issac, (the maker of the FICO score) to make the FICO expansion score. I'll just post these next 3 links for you to read that will explain in detail
http://en.wikipedia.org/wiki/Prbc
http://prbc.com/consumers/default.php
http://www.fairisaac.com/fic/en/product-service/product-index/fico-expansion-score/ |
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Jeff
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Find a new mortgage broker, and ask if they still do "manual underwriting".
At least, that's what Dave Ramsey says, and he has a financial talk show that emphasizes that you should never get into debt in the first place. |
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Chafemasterj
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Sounds like your best bet may be to obtain a secured credit card. It will temporarily cost you the money up front for the limit of your card but it can help you create a positive credit history. Good Luck! |
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crapaudblanc
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To build your credit score you need to start using your store cards and pay them off every month. If you only use them rarely it will not create a strong history. When I started I used SEARS card (the Banana Republic of the world do not count against your credit history), then I did puchase for about 6 month to a year. The key is to use the SEAR card. Otherwise I would ask the bank again, go to the branch and talk to the manager. Have them issue a card with a low limit and...start using it. If they refuse go to another bank, inquire about transfering your checking that include a credit card. You can also try Discover card, always start with a low limit and then ask them to increase the limit later on (1 year later).
Finally, check your credit score, make sure that no one is screwing around with it.
Good luck |
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TTC #2 Baby Dust MEEE!
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apply for a clc credit card i had some debt in my credit and earlier this year i paid everything off i applied for thsi card and got it right away even though its 300.00 credit l;imit its helping me build more credit since its kinda low go to:
manage-my-card.com and apply for them ist a very low interest rate and they give you a low limit at first but eventually you can get it higher after a while. im happy with it its a master card so you can use it anywhere |
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Tom K
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go to cardweb.com get a secured credit card from
orchard bank it the best secured credit card right now
you have to put a deposit down
they will post to 3 credit agencys after 12 months you can graduate to a real unsecured credit card |
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liv612
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You can apply for credit cards online at VISA and Mastercard, and Capital One's web sites. Not sure why your bank declined you becuase it sounds like you have enough history with them but you never know. When I first applied for a credit card it was because I was going to be traveling abroad and didn't want to acess fees with my bank card. I did it at the last minute and so I applied for three just in case. I was declined for one, was given a $200 limit with another and a $3,000 limit with the third. And these were all well known companies. So maybe you just need to shop around.
Also, the best way to obtain credit is though a loan. Do you have a car? Paying off car loans in a timely manner will raise your score. Or if you have a family member with good credit who will put you on their card "just for emergencies". Even if you never use it, their good credit will build yours. They don't even have to give you your own card to access the account if they don't want to. My mothter has outstanding credit and put my name on her card when I was in college. It helped me a lot. So does the fact that I've owned four cars. When the first was totalled I paid it off with insurance money and bought the next... and so forth. Paying of those loans helped me tremendously. |
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Basma M
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Try Chase or capital one and don`t worry about how much interest they charge, just pay your bills in full as they come and you don`t have to pay interest.
Believe me, if my son can qualify for a credit card, I am very sure that you can :-)
Good luck |
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Abcd
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check out www.fastcreditcardapprovals.com and look under poor or no credit section and you will find a few choices. |
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thebigm57
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Do you have SAVINGS at the bank or just checking accounts? If you have SAVINGS ask the bank to issue you a Secured card against them...In other words if you pledge say $500 of your SAVINGS as security...You will have a credit limit of $450 (they won't give you the full $500 usually as they protect themselves from risk that way). Use that card and don't pay the balance in FULL when you do pay...make 3x the minimum payment for 6-9 months. Repeat the process with another provider...After that you'll have a history. FYI it's okay to pay them off after the 6-9 months and don't get in the habit of carrying the balances for as you know Credit Card interest is the most expensive kind. PEACE! |
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basium
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Get another mortgage broker. I personally would also get a different bank, and it would be a credit union. You should not need a credit card for a mortgage if you've been paying your own bills: utility, telephone, etc. -I didn't.
Try your bank again, explain you've been a good customer for 6 years and it's in their interests to issue you a credit card as well as help you into a mortgage, and that you will be pleased to take your business elsewhere.
Check your credit report again, because if you were delinquent with those store cards they'd sure show up in a hurry. You can also write to the credit reporting bureaus and get those cards added to your report.
The secured credit card is a good idea, too, but it's usually something people need who have bad credit.
Again, you really shouldn't need a credit card at all. Sounds like your broker is being lazy. |
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friendhelpingfriend
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Try applying for capital one or HSBC, they are usually pretty good. You can also get prepaid credit cards to build credit history..The process hopefully should be about 6 months. or maybe you just need a different Mortgage brokers, the market would be great for you right now since house prices have feel. I was in same situation and I did apply for mortgage at ditech.com and was approved threw many good companies..plus I didn't have to pay a broker fee..try to have more of a down payment than 10% that also helps..Capital one also handles mortages Good Luck |
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