 Where is a good place to get a car loan or a home equity loan if you have not so perfect credit? |
| where is a good place to get a loan for poor credit. my x husband ruined my credit now i need to get a car or a home equity loan any suggestions?... |
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 I wrote an entire book of bad checks up to $400 each. Where can I go for help financially? |
| I have a job. But it looks like I will need nearly $5000 to pay for my mistakes, and much sooner then I can come up with it. Does anyone know of a service that will help me with this? I have awful ... |
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 My Mom used my name and ss# to open credit cards...ADVICE PLEASE!!!? |
| When I was little my mother had TERRIBLE credit (no fault of her own - she cosigned for my dad and he left and never paid the bills) - so she opened up credit cards in my name with my social security ... |
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 Can i get this loan through my credit union? |
| I've been working at my job for a year and a half but i have no credit. At the same time, i don't have any financial obligations besides gas. I'm going to ask for 10k and the highest ... |
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 I just paid off my car loan and a credit card. But my FICO score dropped 32 points, why? I'm paying my debt! |
| I'm paying off all my credit cards, not closing them. But I want $0 balances on them. I paid off my car 6 months early, I never missed a payment and I was never late. Why would I be punished for ... |
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 Should I close a bad credit card? |
| I cut up two cards months ago, but after being unemployed I haven't been able to make the min. payments. I've been in contact with them, but wonder if closing the accounts will atleast ... |
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 Is this a myth...what happens if you just stop paying for your credit card? |
| I have a friend who just got a notice from a creditor via the Sheriff's office. Is it true that if you just stop paying your credit card bill after 7 years it just falls off? He hasn't ... |
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 Is it Illegal for a bank to do this? |
My discover card payment is almost 300.00 dollars and only ten of it goes to the principal.That seems very extreme to me.Isn't there a law against this?
Additional Details
This is ... |
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 Is there something I can do (legally) about ridiculous credit charges? |
| I've been a customer with this clothing catalogue for a while now and I have a credit limit of £1,000 with them. However, I decided not to use that facility and buy on a pay-as-I-go customer. A... |
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 Does this seem fair for owner financing (on a house)? Or is the guy trying to make a few bucks? |
| My fiance and I have plenty of $ for a down payment on a house, but can not obtain a mortgage. A seller is offering financing @ 8%, and after 1/2 of it is paid (30k) he will give us a deed for trust. ... |
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 How can I avoid being served with papers, a debt collection agency want to sue me? |
I do not live at the address they have on file, can they sue me if they can't find me to serve me?
Additional Details
The explaination for why I have not paid the debt is very long..... |
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 I sold something on ebay and when i go to paypal it says i've received a payment...? |
...But when i log into my paypal account the balance is still at £0.00...Anyone know why? Cheers
Additional Details
Actually I have sold two things to two different buyers and on Ebay ... |
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 I have a credit card, but haven't paid them for over 4 or 5 months? |
| how can i get out of it? my limit was $1000. I owe them more than 900 Dollars. MOST of the money is from non payment charges. $30 a month. Even before the last bill i made, there were mmmaaannny ... |
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 I need financial help please!? |
| I have a County Court Judgement caused by an ex partner who run up debts in a joint account just after we split. He's disappeared off the face of the earth and I cannot get credit or a mortgage ... |
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kingsmasterx2 | How can i build my credit? |
I am young and have been trying to establish some type of good credit. Besides the normal- renting an apartment, buying a car, having bills in my name, making sure i pay on time, and applying for credit cards (which Im denied anyway because i have either insufficient credit history or insufficient income) is there another way for me to build my credit? I do not have anyone to cosign anything for me which is another big issue-because there are no car loans or general loans without a cosigner! Any helpful advice would be greatly appreciated. |
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Jess N
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Go to your bank. I used to get very small loan with no cosigners, like no more than $500, and just keep the money to pay the loans, plus interest of course, but it worked. |
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arvin c
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pay your bills on time and keep doing that for a long time, your credit will build up |
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golden rider
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You might try getting an in store account like for buying furniture or a stereo, cloths, etc. Make your payments on time and take the full term of the credit to pay it off, even if you have the money to pay the whole thing off. Just make sure you are not late with any payments and when you are through paying it off, you have perfect credit. One thing to remember though, every time you apply for a credit card it takes away from your credit score, so unless you are positive that you can get the card don't apply for it. |
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Reaper
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Ok in order to build credit you need a credit card. Maybe you are being denied because you are applying for ones that require good credit. Most people I know got their credit card from Capital one the platinum mo credit credit card. You have to pay on time every month and only use it for emergencies. What you need to remember is that you are using someone elses money.
Edit:
About the answer below me, getting a cellular phone doesn't help because they do not report to credit buraues.
Good luck! |
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Shelly
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getting good credit takes quite a while. you need to have a lot of patience. i know exact;y how you feel without a co-signer because none of my family members have credit. as long as you build your credit its best to not have a co-signer anyways. if you can do it yourself its better. with that, your not putting anyone else's credit on the line "if" anything were to go wrong. But, like these people said, get a dept. store credit card and use it a few times and pay it on time. NEVER go over your limit! by the way, theres something called "no established credit", meaning you may have had a credit card or 2 but your credit takes about a good year to show up. be wise! credits important.! good luck! |
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heybulldog
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The only way to "build credit" is to borrow money and make payments on time. The only way to keep your score high is to keep borrowing money and keep making payments on time. It's an "I Love Debt" score.
It keeps you in debt.
Building credit is the biggest joke of the 21st century.
If you pay as you go. If you live on less than you make. You will not have payments. You will have money and not have to worship at the alter of the great fico. |
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a_rare_seed
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have you tried something like a sears card or a clothing store card.. then use it once or twice, but make sure you pay it off. you will start to build credit like that |
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Sand Bag
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Open a bank account or go to your present bank and request a secured credit card. Use it to make purchases and pay off the balance at the end of each month. With time your score will increase. |
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strawberri_wine31
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I understand your situation as I have been there before. Having no established credit is as bad as having no credit. You should try to get a cell phone in your name, even if you have to pay a down payment, get one so you can establish a pay history and then pay it on time. Some places will give you minimum credit if you are a student a a college, or if you can borrow some money from a college like student loans, this helps you simply because they see you are in college.Order you a magazine subscription and pay it on time, or join some type of thing like a book club and then pay it on time. Try and apply for one of those small loans of like $200 so that it will establish credit, pay it out as soon as you can and then borrow again. Once you establish credit you want to keep the last thing you paid out revolving, meaning go and borrow again and each time you pay it out you will increase your rating. It is really hard getting credit without someone co signing, except for cell phones.... This is the first step because they report to the credit bureau and it will show you have some type of pay history.
Without any income, or job you will probably be unable to have anyone trust you with credit. I hope this helps/ |
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