 How many credit cards do you have? |
| I have only 1, but I think more than 2 is too ... |
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 Will I lose my house? |
| I've recently separated. My husband accumulated $15,000 in credit card debt before he left. He isn't working now and is applying for disablilty. In the meantime he has no income and is ... |
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 Would this have affected my credit rating??? |
I had a debit card which was used fraudulently a year or so ago. It was cancelled by my bank.
I had the details of this card saved within the account section of a website i often buy ... |
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 Should people that go bankrupt have all there dept totally cleared? |
| i just think that if people go bankrupt they should still pay something towards there debt even if its a small amount. At the end of the day they got themself in that postion and should still pay at ... |
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 If a collection agency requests payment on charged off debt that was never on credit report, do I have to pay? |
| I received a letter from a collection agency addressed to my old name. I found it to detail an amount owed that I didn't recognize. I contacted the company (the person was very nice and ... |
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 What should I do with this debt? |
| A friend used my name to purchase a car and the car was later repossessed leaving behind a debt under my name. Now, a debt collecting company is haunting my family as I am no longer staying with them.... |
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 Is it true that my credit may suffer if I cancel a credit card? |
| I've got a credit card with no outstanding balance. The company cancelled the rewards program for which I originally got the credit card, and so I want to close the account. But my father tells ... |
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 I am in debitet,and no one abil to help me ,please anyone knowes what i have to do?without any bank krupy ? |
| i have got littil problem with my creditores,and no loan or credit card not abile to help me because i miss one payment.i am improving after that missing i never miss any other,but no one abil to ... |
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 My credit score is 729, is that good? |
| I am a 19 yr old Male in college, I just checked my credit score, is 729 good? How good?... |
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 How do i cash a $20,000 money order? |
| my friend wants to send me a $20,000 gift out of his trust fund. he lives out of state now though. but when he sends the money order in western union or fed ex, how do i cash it? i whould normally go ... |
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 What do I do about collection agency filing law suit over over credit card debt.? |
| I was given 10 days to respond to the petition. They are asking for 1500.00, I believe this is an old credit card that went to collection that the available limit was about 500. I need to write a ... |
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 Can you send a cease and desist letter to a credit card company -or does this only work 4 collection agency's? |
| Mom mom is in bad health and can not work, but Sears calls her daily harrasing her to pay a debt she is truly unable to pay. She has no real assest, so she is judgememnt proof. Would telling them ... |
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 Help Finding A Credit Card? |
| For my boyfriend. I don't know how his credit is. I would say fair to good.. Not bad or excellent. But what he is wanting to do is buy a cheap car (Under $2000) on a credit card (so his limit ... |
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 Paypal and Ebay? |
HI,
I have just sold an item for £250 in ebay and the fella who won has paid via paypal. It says that the payment from him is completed so i requested the funds are transfered to my ... |
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 What to do with check? |
| I have got a check it looks real for 2,940.00 dollars it is from Latex Finance Inc they say i have won 50,000 and the check is for help in paying some of the fees,from what i have found out this is a ... |
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 How can i figure out if someone used my ss number to get a credit card? |
| My wallet was stolen with my Social Security Card and Birth certificate in it. How can i figure out if someone has used my social security number to get a credit card? I have no other credit cards, ... |
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 Can a 15 year old have a check card? |
| what do I have to do to get a check card? what kind of account should i open up?... |
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Candi | How can I build good credit? |
I have been turned down back after back on credit cards and loans because I don't have any credit. I don't know anyone with good standing to co-sign for me.
I have recently started a savings account, but my bank doesn't have a secured credeit card, so I don't know what else to do.
How can you build credit, if you can't a loan or a rcredit card. |
 |
 
JenniferE
|
1. To establish credit there's an account at certain banks just designed to build credit. Works really well for students, bankruptcy clients, and immigrants who have a social security number. I know at LaSalle Bank in Chicago for example, they have the "Dreams Begin's Account". The way it works is that it's a savings account that allows you to pay about $67 dollars per month for 1 year. At the end of the year it looks like you have been paying a $1000 consumer loan on your credit report. You can opt to do it again after a year or at that time you can just turn it into a regular savings.
2. As you stated before, keep in mind that each time your credit is checked you lower your credit score. I believe after three inquires per yr every inquiry brings your credit score down 5 points. To stay in good standing once you get credit just pay on time, minimize inquires, minimize open accounts, and stay away from department store charges because they charge extremely high interest rates. |
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KG
|
Look for a "student" credit card, or a store card. |
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Bound2Success
|
Get a credit card with low APR or a student credit card, use it to buy inexpensive things or medium expensive things, and pay back the bills on time. |
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sirsabbat
 |
Well, depending on how old you are. You can try applying for a Gas Card and yes Gas Cards DO help your credit a little. Another way is furniture stores or appliance stores that don't require credit checks or stores that have the option for people with good credit, bad credit, no credit. |
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fuilui213
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pay off your bills on time |
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paribest
|
get a secured card for atleast $500.
pay your bills in time.
here are some banks that give secures card.
http://www.credit.com/products/credit_cards/secure.jsp
try orchard bank they have been there from a long time |
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no1special
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first you get a cash backed secured credit card. You know the kind where you give the back 500 dollars then they give you a card for 500 limit. And just keep using that til you start receiving more credit card apps in the mail then you apply and i'm sure you'll get it. |
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c_u_b_s_f_a_n_81
 |
A secured card is the way to go but if you can't get one of those then you could try:
Applying for a card at a store, many stores offer them and they are usually less discriminatory when they are approving people.
Get some bills in your name (Phone/Electric/Cable) and make sure you make your payments on time. |
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Crazy girl
|
The best thing to do is start out with a "store card" they are the easiest to get and once you have established a good payment history (normally 6 months to a year) major credit card companies will consider you. Be sure to choose your card wisely because cards marketed as "build good credit or improve poor credit" could work against you.
Check out www.Bankrate.com about credit card advise. |
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