 Choosing a credit card? |
| what is good credit card? I got citi vc capital one decission to make. Both say 0$ anuall fee and both are promissing great rewards. Too good to be true. Where are the tricks? Obviesly credit cards ... |
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 How do I build credit? |
| I'm 23 and I don't have credit (I think). I have debit/atm cards, but I don't think those count. My family always advised me to stay away from credit cards like the plague because of ... |
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 Does enrolling in a hardship program for my credit card effect my credit report? |
| hi I have a credit card that had a promo intrest and now it has expired the payment has almost doubled and its getting harder for me to pay it they are offering a hardship program that will pay it ... |
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 How do I refinance my auto loan? |
| Shouldn't a credit score of 626 and a DTI ratio of .19 recieve a better interest rate for an auto loan of 14,700 for 60 months than 11.9%? I've had my credit pulled so many times trying to ... |
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 Help! Collections Issue? |
| A little less than a year ago, i stopped paying my credit card. I know, I'm a bad bad person but I was a stupid college student. The amount I had on the card was only 600 bucks. It eventually ... |
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 Can I sue a cosigner on an old credit card for screwing up my credit? |
| My ex and I had a joint credit card in which we were both liable. She racked up a huge bill and then filed for chapter 11 bankruptcy. I understand that I can still be held liable. Now here is the ... |
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 How much Credit Card Debt do you have? |
I have $12,000 credit limit on my cards and owe a total of 47cents.
How much credit card debt do you have and are you able to pay more than just the minimum payment per month?... |
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 Credit card trouble, HELP!? |
| I have my VISA card and a taxi company charged me last July about $500 which I did not use. I called VISA last August and they said they will examine it. But I'm in foreign country and couldn... |
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 Can I demand for an annual fee waiver for my credit card? |
| I've heard stories about some people calling in to the bank and threatening the line operator that if they are not given a fee waiver for the next year, they will simply cancel their card ... |
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 I have some credit card debt... HELP!? |
I have over $2000 of cc debt and it needs immediate attention and am afraid this is going to affect my credit somehow.
I keep hearing about a credit card with 0 balance transfer for 1 year ... |
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 What is the best credit card offer for women with ok but not perfect credit after divorce or other life change |
| If you used to have perfect credit but have made some late payments following a move, job loss, deaths in family or health care crisis, erroneous charges or other fraud on accounts, or other life-... |
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 Is there a legit company out there than can repair credit? |
| I have heard about credit repair companies that can get negatives off your credit report but have heard that there are alot of frauds out there too. So has anyone actually tried one that works?... |
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 I need a list of lenders that will loan a home mortgage to someone with a credit score between 545 and 550? |
| I make 48k per year. Circumstances that have led to bad credit rating are a 60 day late car payment that occurred two months ago. The car has since been paid off. Credit cards are close to the max ... |
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ressee | How can I get a loan at 18 with no credit? |
I am an 18 years old college student. I work full time and go to school full time as well. I cannot afford to buy a car outright. But I can afford a decent car payment. How can I get a decent loan when I have no credit whatsoever? |
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drewsm0mmy
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get a co-signer with good credit |
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Constance B
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What you can do is this...In order to be able to buy a car on credit, look at it from the creditors point of view... First you want to assess your debt to income ratio. What are your living expenses compared to your income? Living at home with the parents can sometimes not be so good in all situations. If you are living on your own and you have $1400 of income and $1000 in rent and other expenses, this is also not good. What do you consider a decent car payment? $200?, $300?, $400?. Before you decide on a particular vehicle, contact your insurance agent. You will have to have the vehicle insured with comprehensive and collision insurance, which can be hefty in and of itself when you are 18, and this will need to be paid every month just like your auto loan, and is not included but on top of the loan amount.
Take your parents with you when going to negotiate...they might be needed as a co-signer. Some manufacturers offer first time buyer programs ( and some to new college graduates) if you meet certain criteria. Be prepared to need a substantial down payment.
Good luck. |
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Filinegro
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Go to your bank and ask for a starter loan. That is a loan specifically designed to establish credit. |
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Micki
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Look for a used car. Get a co-signer. Save and have a nice downpayment for the car first. |
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yahooligan
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try to find a co-signer & that will build up your credit |
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Chencia
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You need a co-signer. Someone with decent credit to sign with you. |
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MEGAMI
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if you have any money in savings you're going to have to go to the bank and ask to borrow against your own money. say you have $1,500 in the bank. They freeze that amount and give you $1,500 of their money. You set up payment arrangements example $100 a month. Every time you make a payment that much of your money becomes avail to you and paying on time build your credit. Plus banks have auto programs.
Also i got two of my cars this way if you have any friends in the military. Every base has whats called the lemon lot.
for military folks getting stationed other places that they cant bring their car, so they bring them to a designated lot on base for other people to look at. Don't let the name lemon lot fool you there's lots of good bikes and cars and trucks out there for a bargain (remember these folks are desperate so you can talk them down pretty good. They ship/fly out soon, and won't have anyone behind 2 sell for them) You just have 2 get someone one with an id 2 get you on base. **you only deal with the owner of the car (they leave their contact info on the car) |
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src50
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You'll need a cosigner. Building up credit is a gradual process. Start with one credit card (secured, if necessary), make small purchases and pay in full each month. Credit is all about establishing a track record. |
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2blessed2bstressed
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Get a savings account with a local credit union and have money automated deducted from your paycheck to get a history started. Credit Unions are the best way to go when financing a car, my mom got a car at 6% interest through her credit union and my husband got a personl loan at 8% interest...Good luck |
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