 My credit score is 620. Is it really bad? |
| I'm planning on buying a condo. Should i wait for my score to be better? I have 2 credit cards now and don't want to apply for more. Should i get a car to help build my credit story or get ... |
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 Will we go to jail if can't afford to repay credit cards debts ? |
| I have 5 outstanding cards which had not been paid for over 1 year due to my unemployment. All of them are over limit.... |
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 My credit is improving but.......? |
| I hate having 5 different bils to pay every months so I am thinkingh of getting 1 loan to cover them all. the problem is that the loan is high apr (35.9%) but having worked it out my existing loan ... |
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 Whats the best way to build our credit without getting into a lot of debt? |
| We are young newly weds and niether of us have anything (good or bad) on our credit report. We were able (luckily) to be able to sign a lease for our apartment without a cosigner. I make the payments ... |
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 Why do we give sympathy to those with credit card debt? |
| No, I'm not referring to those whose identity has been stolen. I mean those that have, from their own irresponsibility, have bought so much stuff that they are now in mountains to debt. Why ... |
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 How do credit cards get away with outlandish interest rates? 30%??? |
| I thought there was a law that prevented them from going higher than a certain number. I used to see the highest rate being 21% but now it seems to be up to and over 30%! This is why I don't ... |
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 Does it hurt to Apply for Credit Cards if you have no Credit History? |
| hi, i just turned 18, never had any credit cards, never paid any bills, and i applied online for my bank of america student card, however, i was denied even though i met the qualifications, so i ... |
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 Any doubt counsellors or solicitors with debt experience out there? |
my friend (yes,really, not me (grin)) has arranged
regular payments wh all his creditors which he makes on time - one of them in particular keeps threatening him with legal action or debt ... |
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 Does anyone know where i can get my credit report? |
| i want to get my credit report so that i will know what i owe so i can buy a house for myself and my son for a better life but i actually want to get the report without having to apply for credit ... |
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 Is this a bad way of building credit? |
| I am 18 and I have a $23,000 auto loan that my parents co-signed for me. I also have a credit card. Both payments I pay in full and on time each month. Does this look good as far as building credit ... |
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 Credit Cards? |
| The other day i got my credit card bill in throught the post. I always pay the full amount the i have borrowed. Last month i payed it off on line, but never payed the entire balance by £0.12. M... |
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| What's a credit union? |
| I've been reading the answers on this page and credit union keeps popping up as a source of help, could anyone explain what they do and where they are please.... |
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 I have recently applyed for a cedit card from cgs i had to pay $50 so why havent i been acceped? |
| they said my details have been passed onto virgin i have just been on there and been refused why and what was the payment for if im not gonna get a bluddy ... |
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Max Out! | How can a young adult (between 19-21), start up some credit? |
I need to know because I trying to start school, and I need to take out a loan. The school I will attend is a "career training" school. Dad and Mom credits were not accepted so, now I guess I have to start up my own credit. Please help this is serious business, thanks. |
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dgriffith343@rogers.com
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Go into your bank and ask to open a new Visa card with only $200 or $300 limit (if they will open them that low). Know in advance that anything you buy on that card MUST be paid for in full when you get your statement. It cannot be late, it cannot be short paid. It must be the whole amount paid immediately. after 6 months to 1 year, you will then have your own excellent credit rating. Then you can ask to increase your visa limit to perhaps $1000. Never have a limit that exceeds what you can realistically pay for immediately and in full. This is how credit ratings are created. |
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coltschik_024
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gas card easiest way to go |
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raventattoocare
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Make sure you have a clean bank account, where you never have even one bounced check. Ask them if you can get a small loan for say $500 - parents can co-sign. Make sure you make ALL payments on time to the bank - maybe just a 6 month loan. Otherwise you can usually apply for a credit card with a deposit they keep - that way they know you will not miss any payments. The deposit ends up being refunded once your history is established. |
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Janet P
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There are sharks just waiting for you!
Don't fall for the credit card schemes unless you honestly understand the fine print.
You do need bills to pay to establish good credit, but they can be small bills.
Get a store credit card from a place you actually need stuff from. Buy something not too costly and pay it off in 3 payments. Do this at several stores. NEVER be late!
Paying your bills on time is how you get the "good points".
Good luck! |
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Star
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When I was 18, Capital One gave me a Mastercard with a $250.00 limit because I planned on going to college. Go to their website and apply for their student card. It is the same as any other, but geared so that it helps quickly earn you some credit. There aren't even any fees for your cards...I won't list the website so that you can find it on your own and know it is not a scam.
Capital One is widely known...
Good Luck! |
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sup
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any age these days. Even my dog charles has a platinum visa. |
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Dimples A
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One way that's helped me (in the same situation) is by having the parent's or a legal guardian or another family member co-sign on your loan - there are loans that are specially designed for transactions between family members. It shows up in the credit reports later. Building credit apparently takes a while: try opening a low-interest rate debit or credit card (but pay attention to the interest rates and the monthly dues for credit cards; debit cards = almost like gift cards). Your school's financial aid/student services offices should have info about grants and no-interest loans and other specialized Federal/state aid info for students who are just establishing a line of credit. Good luck! |
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vincent s
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start by applying for credit at some department store cards. the easiest credit to get for me was at a building center card. you will establish a credit report this way. then you will be getting more offers in the mail. use a few and keep a good payment record . |
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jays_mom
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My credit started with a visa card, but I had like a bill in my name first, and paid on time....think it was the electricity bill |
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The Cythian
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Find a credit union that you can qualify to join. Then take out a trial loan. Repay it, and take out a larger one and repay that one. Make sure you don't miss a payment and you will begin to earn your own credit history, which is good.
If you can't, find someone to co-sign a loan with you as the primary. You can begin a credit history as long as you repay. but, you have to find someone who trusts you. |
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pyelder
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secured credit card. (backed by a deposit). Most major banks offer them. |
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Texas Girl
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Start with a deposit-based credit card, as this builds, so will your credit. Please beware, many Institutions will lure you via mail (because of your age). My 18 year-old daughter fell victim to one of the companies offering her $10,000+ credit. They got her on the phone to "activate" her account, a week later, they had used her information the deduct $250.00 from her account for the "privilege" of this so called credit |
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