 Need help getting a loan to pay off debt!!!!? |
| I am in a bind. I have poor credit and need to start fresh. I have been denied by every bank out there . I just want to get a consolidation loan and payoff all my debt and make one loan payment and ... |
|
 How does a settlement payment to a debt collector affect my credit? |
| If you take the percentage payoff how does that affect your credit in the long run?... |
|
 I went over my credit limit by 11 dollars? |
| My credit card limit is 300 dollars a month, and i used 280, but they charge me my annual fee, and it went over to 311, but i paid off the whole credit card, will my credit score go down?... |
|
 Is this legal? |
| I had a credit card over 2 years ago. I lost my job, so I called them and made a deal (yes it was in writing) about my payments. They did not hold up their end of the deal, ended up charging off my ... |
|
 How long does it take to raise a credit score? |
| I just got my credit reports from two of the credit agencies. My score was 550 on one and 625 on the other. I've started to talk to a few collection agencies and have sent payments in full to a ... |
|
 How long does a bad credit entry stay on file if it is not paid? |
Additional Details
i won't just pay it because of the principal that i do not owe it but can not get them to remove it from my file after months of arguing about it time and again.... |
|
 Can a buisiness charge a fee for any credit card transaction? |
| I live in San Francisco. In my old hood the corner store charged you for credit/debit purchases under a certain amount. My new corner store charges 50cents for any and all card transactions. Is that ... |
|
 I've been told I have NO credit..how do I get some??..I have owned a house so I should have credit? |
Its hard to get a loan with no credit vs. bad credit
Additional Details
banks dont have to repor t credit so its not instant credit if you take out a loan and re-pay it even if its on ... |
|
 Has anybody had any luck with debt consolidation through one of those companies? |
| Im about 10 grand in the hole! I have been missing payments to credit cards lately, and have medical bills that I haven't even considered paying. I just make sure I keep my rent, and my care ... |
|
 Paying off credit card and overdraft debts? |
I have £3,500 on a credit card which is 16% interest rate which works out at approx £80 interest per month on top. I also have an overdraft of £600.
I have gone on to uswitch but ... |
|
 When a credit says they ae going to take you to court for an 8 year debt are they lying or can they do that? |
| When a credit says they are going to take you to court for a 7 year debt are they lying or can they do that? I got a call from a "lawyer's office" saying that If I dont pay I will be ... |
|
 Will i be able to make complete a transaction that exceeds my Credit Card limit? |
| i got a credit card with a limit of $500. its new so i havent used it yet. i can pay off the bills and wat not but i wanna know if i pay a ps3, an extra controller and rainbow six vegas, will i be ... |
|
 What should you do when your parents taken out credit cards in your name and been using it? Also been late? |
| I love my mother very much but when i rcvd a call from collecters stating i have 5 credit cards in my name, i was very upset with her. I dont want to charge her with fraud but i need these neg- ... |
|
 Collection Agency Question? |
I've heard conflicting information so I'm looking for some definitive answers. With regard to collection agencies:
1. Can they actually sue you and/or even collect the debt in ... |
|
|  |
Pinky! | How can I bump up my credit score? |
I have a 560 something and is fair.
I hate buying things on credit so I always buy everything in cash.
Additional Details
I don't have any credit cards. |
 |
 
Jon Marathon
|
If you like cash, take out a small person loan of 1000-2000 from your local bank or credit union, and pay it back over a year! this will show lenders that you can be responsible with credit all without having a credit card.
And here are 10 more things I bet you didnt know you could do to bump your score asap! I raised mine to well over 700 points fro 500 using these steps in less than a year:
1. Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score monitoring listed below. It really helped my get my score up.)
2. Never Miss a Payment, Starting Today
3. Never use more than 20% of your Available Credit
4. Keep Credit Cards that Have No Annual Fees Open For as Long as Possible
5. Extend Your Credit Limit on Cards You Already Have before You Get New Ones
6. Get Credit Cards that Have CashBack Rewards to Contribute to your Balance
7. Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-
8. If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan
9. Take out a Small Personal Loan and Repay it Over a Year
10. Ask Someone With Good Credit if They will Account Shadow you
When you're trying to build a solid credit score it's important to get a comprehensive view of what is actually effecting it...
Your Credit Score (also known as your MyFico score) is calculated with the following breakdown:
* 35% -> History of Payments
* 30% -> Debt to Credit Ratio (available credit)
* 15% -> Credit History (length of open accounts)
* 10% -> New Credit (are you expanding your credit)
* 10% -> Credit Types in Use (varied credit types from loans to credit cards)
If you excel in one area and lack in another, only fixing the areas which you lack are going to improve your score.
You can read more about these tips on my blog: How Can I Increase My Credit Score
* http://millionster.com/articles/debt/increase-fico-credit-score/ |
|
The Archive
|
ask your credit card company for an expansion on your limit, but be sure to pay it. finance a car or a house. always pay on time |
|
DAS
 |
All of the people below, have valid and great points, the irony of it all. You will have to use credit to improve your credit scores. Nothing more I can add on to all the great things said below. You should get one credit card, and you should acquire a loan through your bank. |
|
src50
|
Ironically, you have to obtain and responsibly use credit in order to raise your scores - either installment debt such as a car loan, credit cards or a home loan. |
|
pigskinpicks
 |
Go to http://www.ineedrates.com and find a card with low interest rates and continue paying off your monthly balance on time. |
|
Becky
|
Your going to have to get yourself a credit card and start using it - (I hated this also) but it is necessary! You can do this a couple of ways - One way is when you use your Card - go ahead and subtract from your checking register so when you receive the credit card bill - you just write a check for the full balance and pay it completely off every month or if you have a retail card (like a best buy card) - they usually give you so many months to have it paid off before any interest is charged - so take the amount you spent and divide by that many of months and pay that amount monthly - this builds history of making payments - the key to this one - is ALWAYS make them on time!!! and have paid off before the ending of the time period so you don't get hit with interest!
I have done both and it really improved my credit score!!! |
|
shhbanvar
 |
To raise credit score
1. Always pay on time or ahead of time.
2. maintain low balances on credit cards
3.To boost your score: Don't charge anything for at least 60 days before applying for a loan
4. keep your total potential debt to earnings load low - If you have a card with a $15000 credit line, you may ask them to reduce it to something more realistic, like $5000.
5. You should have a recent history of both installment or term (Car or house loans) and revolving credit.
6.To boost your score: Don't close unused accounts when you transfer debt.
7.To boost your score: Consider opening another credit-card account or two, or taking out a car loan or small bank loan.
------------------------------
http://www.bestcreditrates.net |
|
John W
 |
http://credcards.noneto.com - try this one. I personally use it. This card is also very good to build credit rating.
Just take credit and pay it in time, and your credit score will grow. |
|
meg420c
|
If you hate using credit, you won't earn it until you start using it. Start paying for all of your gas with your credit card and save up the cash and turn around and pay it off. It shows a lot of responsibility to charge and than pay off. That way you can show you deserve the credit and the credit card company makes no money off you. Another good way is to purchase something thru a store and finance it through them. Like for example, a bought a couch from RC Willey, they show up on my credit report and it shows that I make regular monthly payments to them. It also shows which months i've missed a payment or made a late payment. You won't get a better credit score until you learn to actually use your credit wisely. Good luck. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
10 | 14 minutes(s) ago
| | | |
10 | 37 minutes(s) ago
| | | |
10 | 52 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
10 | 5 hour(s) ago
| | | |
10 | 6 hour(s) ago
| | | |
10 | 11 hour(s) ago
| | | |
10 | 2 day(s) ago
| | | |
10 | 3 day(s) ago
| | | |
10 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
