 Bankruptcy possible? |
| We are a family of 3, annual income about $21k. We have about $5k in credit cards, $7k in medical bills, $14k in student loans, and $2k in miscellanous debts (utilities, etc.) As well as about $15k ... |
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 What is the best first credit card to get? |
| I would like one hat has good rewards, with no annual payments, i have no ... |
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 Why do so many people fall into credit card debt so easily? |
| A lot of people before they get credit card are determined to make full credit card payment every time and say that they can never fall behind because they are responsible. But after a short while, ... |
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 Debit Card Question? |
I have a debit card with about 800.00 dollars on it. Can I use it like a credit card at clothing stores, apple inc etc. By that I mean not over the internet, at the actual store.
thanks
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 Does filing bankruptcy mean I loose my car & house? |
| If I file bankruptcy will I loose everything I have? Will all my debit be down to zero? How does bankruptcy work?... |
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 After I pay my debts, how long does it take for my credit to rise substantially? |
| I will pay off all of my debts in 6 months. Will my credit go up immediately after they're off of the books?... |
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 How do I improve my credit score quickly? |
| My credit score is far worse than I thought, and is dropping by the minute. I have a lot of debt, and little to no time to pay it off. I HAVE to buy my house in June and basically have to raise my ... |
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 Credit card? |
say i dont pay my credit card bill and the bank that has my savings and checking also issued me a credit card,can they go into my account without permission and take the money to pay my bill?
<... |
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 How do I start a credit score? |
| I am 18 years old and have no credit whatsoever, can i have a good credit score by june? and how do I start obtaining credit?... |
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 Difficulty with Experian, re: disputing errors on credit report. HELP? |
| I've been trying to resolve errors on my credit reports recently, but Experian is giving me a major headache. I sent them two letters via certified mail; one to request deletions, and a second ... |
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 Why would identity fraud be my problem and not my bank's ? |
| Suppose someone manages by digital or other means to trick my bank into paying out money which it incorrectly thinks that I have authorised. Isn't this the bank's problem in the end ? S... |
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 Why do people accept credit anf then not pay it back? |
| Don;t they realize that comapnies don't eat those costs, they pass it on to the rest of us who responsibly pay our bills?... |
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 How to increase credit score? |
Equifax is 739
Transunion is 750
Experian is 749
I have my credit card for 14 months ago.
How to increase credit score? cause i dont actualy use my credit card i only use ... |
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| Having problems with debt collector for an 8 yr old account they will not provide info other than amount i owe |
| Today i got a letter through the post from a debt collection agency. When i phond them i was greeted by an unhelpful agent who would not provide me with much info. The debtor was noted as singlepoint ... |
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 Am I reponsible for Mom's debt when she dies? |
My Mom has a couple credit cards and is about 12,000 in debt. Although I am not a joint owner of the card they have had me as an authorized user for years and in fact have issued me
a card in my ... |
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| Theres a checkcashing place my son cashed a check at, the people who sent him the check put stop payment on it |
and now ace express tells him he owes them 285.00$ what can they do as far as going to jail, or sending him to a collection agency
Additional Details
they check was a personal check from ... |
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M J | How can I improve my Credit rating in order to get just one credit card? |
There has been some sort of bad credit go against me due to a dispute I had with a lender a few years back. I have nevertheless settled all my debts in full but this bad credit rating still remains. I can apparently dispute this with agencies like experience but because of some technicality I am denied credit because of this.
Lets face it you cannot pay for ANYTHING with just a maestro/debit card overseas these days like hire a car or booking flights etc.
How can I get around this, so I can get just one credit card for essential business and personal use? |
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alatoruk
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when you say you settled, I take it that means you have paid them now, not when they were due. therefore the credit history is correct, you paid late, therefore you will not get it taken off your report with experian etc.
I had same problem, but mine was a bankruptcy, so afterwards only had a cashpoint card from building society and needed to get something to allow me to pay for on-line purchases. I got a guarenteed credit card from Capital one (I had to pay £200 up front for a £200 limit). it came with rubbish interest rate but allowed me to re-build a decent credit history. I still keep it, and pay for my petrol on it. paying it off every month. I dont need it anymore but it is a handy one for budgeting |
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Deliah
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You can get a secured credit card at your bank. You can get a high fee card like Capital One or Orchard very easily. The latter appears to be a bit more friendly. You will pay annual fees and high interest if you are foolish enough not to pay the bill OFF each and ever month. Otherwise the rate of interest is not a real issue. |
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UrbanCredit.net
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What is your credit score now? If you keep applying for credit and getting turned down, your credit cant be too good. If you dont have any outstanding debts, do you have any items appearing like a utility bill that is showing you paying late? Late pay's can knock your credit down too. Below is a link you can use to pull your credit...
http://friends.truecredit.com/r/26367c62266e102b991c
You may need a credit boost while it still works to help you over the hump so you can get your own credit card. Do you know a family member who has a credit card from Bank of America that has been in good standing for over 2 years and the balance is under 30% of the limit? Ask them to add you to that card and bang... there is 20+ point right on your credit profile! Questions.. call Urban Credit 1-888-633-3317 |
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David A
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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.
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http://www.bestcreditrates.net |
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Amy G
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I spoke with a mortgage broker because I want to buy a house. He told me to help build my credit score to get a sesured credit card. I know bank of America offers this. You put a dep of min. of $300.00. Once you get the card make a $25.00 purchase ever month and pay it off once you get your bill. I hope this helps you. |
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bebishenron
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there are a few things that can affect your credit rating. buying a house (believe it or not) will affect your credit rating badly for a start as so many people do credit checks on you (a mortgage advisor told us this) and moving address often also makes it bad.
your bank may be able to help you more than other companies as they can see your bank statements so will know better if you have the means to pay for anything that builds up on the card.
dont apply for too many things that need credit checks as if you are declined it is noted and makes it worse in itself! |
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Oldenmead
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Speak to your bank about your problems and see what they suggest. They might be able to provide you with a 'pre-pay' credit card where you add funds but cannot go into debt. |
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Argyle__MARTIN
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Try this site, it is for people just like you.
I had the same problem years ago when my wife left leaving me with debts i thought were paid. I got a Capital One card and improved my credit rating very quickly. I used it sensibly and now have a platinum card with them. They are a great company to work with and offer good advice. |
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