 Can applying for a credit card improve my bad credit and increase my score? |
| I have history of bad credit, but over the past 4 years I've improved greatly. What can I do to improve my credit rating and score?... |
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 Credit Score In Toilet But No Negative Information? |
| Just got new mortgage on house. Credit score in May was high 680 (not great ut not horrible). Went online to check score last week and now at 560!! No negative credit information whatsoever. No ... |
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 I just used my credit card for the first time, I want to pay the $200 of at once but people say i shouldn't? |
They're telling me it builds credit if I pay montly and on time. My question is, as long as it gets paid, who cares? Should I pay monthly or what?
Additional Details
I just don'... |
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 Is it true that bad credit scores can keep you from gettting a job? |
| There's a credit score commercial and they said that bad credit scores keeps you from getting a job. What in the world? That's like discrimination of some sort. How do you improve your ... |
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 Is it true that credit cards were rare 30 years ago? |
Were credit cards as common in the past as they are today?
If not, how was anyone able to buy anything?
Looking on the boards, there's a lot of 16-20 year olds looking to &... |
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 If I die and have a large credit card debt, is any of my family responsible for the debt? |
Just wondering what happens when credit card debt gets out of control with elderly people and they pass away. Who assumes the loss???
Additional Details
I live in Texas.... |
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 How do you get a credit card to build credit, when you have to have credit to get a credit card? |
| I need to build my credit so i was going to get a credit card but in order to get a credit card you need credit so how can i get a credit card to buld my credit because i have no credit at ... |
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 Free credit report? |
I want to go online for a free credit report, but do not want a free trial, do not want to use a credit card. please can someone help me.
... |
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 Should i tell my girlfriend how much money i have in bank? |
| We been togther for 3 months and i have 40,ooo in the bank should i keep it confidental or should i tell her? The whole time i been with her she gets the impression i'm a hard blue collar worker ... |
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 How do i get a free copy of my credit report? |
| i want to do this without using a credit card and a free trial.... |
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 I am 18 and I think I am ready for my first credit card? |
| Any tips on what type of card to get or where to look for one?... |
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 Am I the only person living pay check to pay check? |
| Honestly, it seems like no matter how much money I make I can never catch up on my bills and my debt just keeps getting bigger with each passing day! I have tried a financial advisor but 1) i have to ... |
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 URGENT PLEASE READ Natwest Scam!!!!? |
| there is a scam just been sent to my email, it looks like its from Natwest it asks you to login using your detals including your card details and pin. I am a computer engineer and urge anyone that ... |
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 Hello. Anyone good with credit card debt? Help!? |
| I have $31,000 in credit card debt. I have five cards, but the two with the highest balances are 11k @ 29% and 17k @ 25 and 3k @29 %. I have $8000 to pay twoards my cards, but I don't know ... |
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 I need a credit card? |
| I am looking to get a credit card. Never had one. I would like to have only1. Does anybody know where I can sign up to get a card without a lot of hassle?... |
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 Why did they take my stimulus check? |
| they took my stimulus check for a student loan that my wife owed from a previous marriage. she does not work and the income comes solely from me. how in the heck can they do that? i got a letter ... |
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Eddie Y | How can I establish credit, when noone wants to approve me for a credit card? I have no credit.? |
I've tried to go for a car or house, but I have no credit. They suggest to start a credit account, but I have tried at credit card companies. But they won't approve me because I have NO credit.........how does that work? |
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echo
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You might try and have someone add you as an authorized user on their card(s). Just be sure that the cards you are added to have an excellent history and low utilization.
Doing that should raise your scores and make it easier to get your own cards.
Try to get a secured card. If you go with a good credit card company, depending on how you manage your card, it should unsecure in about 9 to 12 months.
If someone does add you as an AU, wait until it starts reporting before you start applying.
Everytime you apply that means a hard inquiry, which lowers your credit score. |
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Gangstalicious
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try to get an orchard bank silver credit card. They approved me and I have horrible credit. They gave a $300.00 limit and all i had to do is pay a 50.00 processing fee. Go to www.orchardbank.com. |
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FozzieBear
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If you know anyone who is willing to co-sign a low limit (like $500) credit card with you, that's the easiest way. If you don't know anyone who can or will do that, apply for every department store card you can. They're more generous because they want you to buy their products.
Just be sure to pay the card in full every month as if you were using cash. It will give you an excellent credit rating in a relatively short time.
The only thing to worry about is when you apply for credit cards, it does count against your credit rating for a short time. Creditors worry that someone may be trying to run up a bunch of credit and then file bankruptcy.
However, you'll never get a decent rate on a car loan if you have no credit established. You'll never get any sort of home loan until you have credit established. |
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nostridomius
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I don't know if they do this in the states but in Canada I went to my bank, Toronto Dominion, and they said that they could set me up with a visa card. This Visa card is not a normal Visa. Instead what happens is you put, the minimum, of five hundred or whatever the mininmum is at your bank and then from their you spend the money and pay it back just as if you would if it was a regular Visa. The Credit Bereau will except that Visa for credit. Do this for a minimum of one year and, WALLA, you have
good credit agan. But their is no easy or quick way to get your credit back up agan. Not unless you can break into a government building and change the information on the computer.
If you have no credit then I would reccomend going to your bank to see what your options are. They will answer all your questions for you. They will also tell you what you need to do in order to receive a credit card of any kind. |
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BRO
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Most card companys will let you deposit any amount to start with. $300. $500, it takes time, but after you've done real well with that you will get credit,,sllloooowlyyy, personaly the only card I have now it AMEX and I pay it in full each month, a yearly fee, but no interest. That way I never get into debt, but can still charge at stores, gas, eating out, etc. and pay at the end of the month. As for getting a car, most dealers will sell you one with high interest and over time it will help your credit. A house is a differant story. Go to a credit union, they are much more leanyent and better to deal with, to many banks are arogant . |
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njangerball
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Definitely go with Capitol One and also try a gas credit card. Make sure to always pay your balance at the end of the month. |
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paultopia
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You can start with secured credit cards, high-interest credit cards that they give out to the "high risk" pool (This includes capital one. Just be sure to pay the balance every month.), or you can get on a joint account with a trusted family member, or get that same trusted family member to co-sign on the car. All of that will help build your credit. |
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miknave
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Get an account at a credit union, usually they will lend a small amount to new members, take it and pay it back , also get utilities in your name that will help. |
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dido45dido
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i applied to department stores and gas stations. they all denied my too cause i had no credit. then a credit card company sent me something in the mail saying i was pre approved.
so just apply untill someone send you an application. o and also, you can get a small loan from your bank and pay that back it will get you some credit. |
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rosanamod
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YOu have a bank account, you have credit. Get a bank account, ask your bank to give you a credit card against what you have in the bank. They will be able to help you. Got there first, not a credit card company. |
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sexytrojan
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Start off small and get a department store or gas card. If they say no, apply again.
If you have a checking account, go to your bank and get a card. |
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jsgirl924
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You can get a store credit card at a major chain or a gas card. These are easier to get but might have a low credit limit. I do not suggest paying off the entire balance every month. The idea is to establish credit. For example, get a Sears card then buy a sweater or a new tool under $100. Pay the minimum balance due for a couple of months then the entire balance on the third month. Then start over with another purchase. Pay the minimum due balance for two months then the entire balance on the third month. This will show potential credit lenders that you are dependable with making your payments on-time & that you are not leaving beyond your means. After 6 months to a year, you will have establish a good credit history with Sears. The same goes for a gas card or Capital One card. A pattern of paying on time and not maxing out your cards is what gets you the good credit. Capital One does seem to give out cards easily. It was my first card when I was 18. Now I have 4 times the amount of the credit limit I did have with them. -- Good Luck! |
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baldyhugsblues
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have you tried captiol one they give nearly anyone a card |
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umdanddvd
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i think this is what your looking for you need to go to my profile by clicking on my pic there you will find a link
at this site here is some text
We have over 50 Banks & Companies that offer Bad Credit Unsecured Credit Cards and Merchant Cards to people with good credit, no credit, bad credit, or even a bankruptcy. - NO SECURITY DEPOSIT.
states right in there no credit |
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Ingrid
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start with a Credit Union, see if they have a secure CC first... |
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eloriarl
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My suggestion to you #1 is pull your credit reports. Since you have been denied you are legally entitled to a free report by all 3 credit bureaus. Contact them for one. See what is on your report that could be negatively affecting your ability to get a credit card. If there is anything negative - dispute it. Dispute anything from incorrect balances, to credit collectors, etc. This can open up a small can of worms and wake up dead creditors if you have any sitting there, and depending on what is on your credit report - so head over to creditnet.com and creditboards.com for more help on that. You'd be amazed on how much getting one item deleted from a report can raise your score!
#2. If nothing negative on your reports, don't bother with loans. Why pay interest to get credit. Credit is supposed to be a tool, not put you in debt! Go to a local credit union, or search online for a bank that will give you a secured card. Usually after putting your own money down on a secure card and keeping it in good standing for a few months, the bank will upgrade you to a normal credit card, or at least give your score a chance to grow to allow you to get a credit card on your own. Most likely you will only qualify for "sub-prime" cards, crappy interest, money down, etc. So my suggestion is stick to the prepaid secure cards for a while - then repull your credit to see what your score is and go to www.whogavemecredit.com to get an idea of what you can apply for. It's not an exact science, but more of a guessing game - but that site can give you a better idea of what you might qualify for.
#3.) For a really fast credit score boost, have a close family member or friend (be careful with friends money) with good credit add you as an authorized user to one of their credit cards. Make sure the card doesn't have a large balance otherwise that could hurt you more. Also make sure the card has history. When your added in as an authorized user, automatically 2 years of their credit past are added to your report - so obviously paid on time credit cards prefered, since if they are 30 days late etc, that will reflect on your account.
In this day and age, everyone needs at least one credit card for emergencies, etc. Work up your credit to get to that point and get yourself a good card. Don't settle just for sub-prime if you don;'t have to. If you can wait it out a little longer, take my suggestions above and start there. Patience is a virtue, but I tell you after 6 months I increased my credit score 100 points and now have quite a few good rate credit cards, with fat limits.
Good luck! |
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starsindesertsky_1
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Two options
1) get a department store credit card. only chage on it what you can pay off the next month
or
2) find an agency that will issue a card matching the amount you send them. For instance, if you send them $200 up front you have that credit. These things help build credit. Start small then move big (House & Car).
Or you could try a Credit Union. |
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e2brute2001
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I have been in your position and have helped others get credit. What you need to do is to establish a secured credit card. You will establish credit even with as low as $100. You will need to have it established for 6 months. Buy some things on it and pay it on time. For links go to orchidbank.com. Be wise in your use of credit, pay at least the minimum on time and you will build it up in order to buy a car or home in the future. Best of success |
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Ken
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Get a secured credit card |
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mekeygabriel
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Walmart will give you a $100 credit limit |
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