 Why would you choose Bank of America? |
| Not sure if I should open an account there or not. My mom thinks I should.... |
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 Every month I get invoiced by Sky but they add £4.00 admin charge as I do not want to put it on DD? |
| Just as people have applied at banks for unreasonable charges to be returned would I have a case in this instance. The £4.00 is 20% of the actual bill.... |
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 How do I get a credit card when I don't have a credit history? |
| I am 19 years old and I am trying to establish credit but when I apply for a credit card I get denied because I don't have a credit history. What can I do?... |
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 Credit cards for people with bad credit? |
| What credit card company is the most leniant when it comes to giving people with past bad credit a new card?... |
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 I just did my credit score and it was considered "high"? |
| so why is that I just got turned down for a credit card?... |
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 Tips/ Tricks or simply myths Do you have suggestion on how to improve credit/ score? |
| I heard if you pay the collection agencies a dollar they cannot report you to the credit bureau, is this true? I heard you should dispute everthing at least once , it just might get deleted. I should ... |
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 Is a person takes out an unsecured loan on a car and dies just two months into the agreement does the debt die |
| my late husband took finance for a car two months before he suddenly passed away. Now the company are pressing me for full payment of the loan. I was told that because it was an unsecured loan, the ... |
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 Is it legal to refuse to give a refund when paying by credit card? |
| I gave a deposit for a trip on 1/9/07 for a trip in 7/07. I had to cancel within 2 weeks and they won't refund my deposit. They will apply it to another tip. I find this unacceptable. I would ... |
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 How to build great credit fast? |
| i have a credit card that i pay off every month but its only been like 4 months. and my brother says dont pay it off just make the minimum payments cuz its better for your credit that way. i always ... |
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 Credit cards? |
| hi i'm looking for a credit card that dosent require you to have an savings or checking account do you know of any that i can apply ... |
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 Can I get credit after being made bankrupt? |
| I am now discharged from being bankrupt but can I get credit? And if so, how much approx. will I get? Example: car on HP???... |
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 Has anyone heard about a credit card company named"Juniper"? |
| I got an offer from Juniper through the mail, APR is 8.99%, no annual fee and plenty of other benefits. When I called it sounded very unprofessional and even the recording sounded home made. I felt ... |
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 Why would my credit score go down 15 points in a month, when nothing major has changed with my credit? |
| I'm not deliquent on anything. I have the same bills as before. I'm not sure what could have caused it to fall 15 points.... |
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 I was a victim of identity theft i don't have a credit card so how do i get a credit check? |
| this all happend when i was under the age of 18 but i cant get a any credit and every time i try to do a credit check it tells me i need a creidt card i have never had any creidt cards i do however ... |
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 Bad Credit and No One will rent to us!? |
| My fiance and I have tried submit applications for 7 apartments in our town, and NO ONE will rent to us, because his credit is horrible..He recently paid off his debt on his credit card, and it did ... |
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 Is my credit messed up? |
| Im new to credit cards and my mother said she will help me by paying them for now. So I left it up to her. I checked my account online and it said I was 5 days over due on a credit payment of 20 ... |
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Caleb H | How can I repair my credit? |
I ruined my credit in college and as a result I have about $10,000 in debt. Most of the accounts are in collections, charge offs, or past due. The only thing positive on the report are my student loans and my car loan. I have heard of disputing the reports, but I also want to find a credit repair firm that will allow me to make payment arrangements. I want to improve my credit rating so that I can purchase a home in a few years, get approved for more credit cards and also get a new car. |
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justin V
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You can do it, because I repaired mine. I took a score of 465 and improved it to 678 so that we could buy our home. It took us about two years to do it. You need to start with a 3 in 1 credit report so that you know where all of your debt is. Then you'll need to start contacting you accounts so that you can make arrangements. Also you can dispute any account that you feel is inaccurate. Listen, I have a web link that can help you repair your credit. The link is located on my yahoo answers profile...
Also, a good resource is...
http://debt.123thebest.info/credit_card.html
Good Luck. |
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Tara S
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You can dispute items on your credit report online. If you go to equifax or experian or transunions websites you will find links to it. You can dispute anything or everything on your report. The company has 30 days to prove that you incurred the debt, if they do not respond it will be wiped from all 3 reports. Also, collection agents get a fee to collect your debt, you can try calling the credit cards directly to payoff and eliminate that fee. You must be persistent with them, lazy employees will shove you back over to the collection agency, ask for their supervisor. Also be sure to write down the first AND last name of everyone you speak too, incase you get "disconnected". Good luck!! |
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conundrum
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Pay off all your debts on time. Get paperwork from those who you pay off " showing" you free and clear, reason being is that there are Collection agencies that will " sell" your account to another agency and if you have No paperwork proving you paid off that debt, you could be asked to pay for the same items again especially if the former agency has gone belly-up. Build a Credit history by paying off your bills on " time". No late fees, you show you someone they can believe in." Credit Repair" outfits are out to make a Buck, ultimately its up to You to make a start afresh. All the best. |
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Renaissance Man
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WTF? When has debt ever been a blessing? You want more of this? STOP IT.
Listen to this. Scroll down and click "Listen to Dave". JUST LISTEN.
http://www.daveramsey.com/tdrs/index.cfm/2007/9/17/Getting-rich
This one audio clip of his CHANGED MY LIFE when I heard it.
Listen to this man for free, on the radio or online. This is like getting financial wisdom from Bill Gates except this guy has a national radio show. |
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The Princess
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The best thing to do is talk to the companies and work out a payment plan...and pay your bills on time. It takes time, but if you have a pretty good job you should be able to repair your credit in a year or so.
Also a lot of companies say they want to repair your credit but they really don't. |
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lavina c
 |
Students are increasingly worried about credit repair and credit scores - and for good reason. Student debts are rising and the numbers of students who leave school with ruined credit scores is rising as well. Many experts blame larger credit card debts and rising tuition costs (that lead to larger student loans).
Despite the pressures of today's student life, it is possible for college student to leave school financially sound and in fact to develop good financial habits that can lead to a lifetime of financial success. By following the free credit repair advice in this article, college students can learn tips that can make the college years a credit-booster instead of a credit disaster:
Free Credit Repair Advice Tip #1: If you are a student (and especially a student with student loans), budget carefully.
Student loans need to be paid back and are more and more often for large amounts. Sticking to a budget can help you to establish good credit habits that can help ensure that you have a good credit score when you leave university.
Free Credit Repair Advice #2: If you can, never default on a student loan.
Read more from: http://www.credit-card-gallery.com/article/133,Student_Credit_Repair_4_Proven_Ways_Students_Can_Boost_Their_Credit_And_Avert_Credit_Disaster |
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shhbanvar
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To Repair credit score
Your credit score is based mostly on:
1. Length of credit history
2. Payment history.
3. Ratio of credit used to available credit.
4. Number of credit inquiries you authorized.
If you cancel your card, you'll be hurting your credit ratio. (#3).
You want to deliberately keep your oldest credit card open, even if you never use it.
You want to always pay the minimums of each loan on time every month.
You want to keep your available credit high, but actually only have balances equalinig 25% or less.
You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.
You do these things and your credit score will quickly soar into the 700s.
--------------------------------------...
http://www.bestcreditrates.net |
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Erica Asahan
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If you can afford to make little payments at this point, contact them yourself. They will be much appreciated for your effort to clear your debt to them. But if you really cannot afford it, wait 10 years and it will be completely off your report. If you have plans on buying in the future that will require credit scores. You will still be able to obtain one, as long as you can prove that you have been working for 2 years and had no acquired debt in that period and that you are making payments timely. There are always a way, especially for people like you that want's to make things better for themselves. So from now on, try to put a little here and there to save and try paying evething in cash if you can or use your credit card as little as possible so it s easier to pay off the balance at the end of the month.
Good Luck |
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Morgan J
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Talk to the collections agencies and see if they will work something out with you. They will normally be happy to help as long as they still get thier money back. Keep making regular payments on it and it will help bring your credit back up. |
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1 Hr Bookkeeper
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It's super easy and it can be done in 30 days. You simply do a credit dispute to fix the negatives. There is a link to an article below that will show you how to do it step by step.
Also, I am putting another link on how to deal with creditors, and another that tells you quick fixes to strengthen your score quickly. All three will help you get back on the right track fast.
Hope this helps. |
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