 I am 19 an I am thinking about getting a credt card , does anyone have any advice on getting a good one? |
| I am in college and trying to establish good credit and I know that there is alot of scams out there. So I would appreciate some good advice.... |
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 How do I get myself out of debt? |
| I am so far in the hole it's not even funny!! please help, i'm thinking about getting a second job!!... |
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 How should I go about inproving my credit score ? Serious answers only please .? |
| My score now is in the mid 500's and I really want to get to at least 700 I am proably in about 30,000 in debt judgement, repo on and on should i work on paying this all back or should i just ... |
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 How To Lower My APR On My Credit Card? |
| I have an Capital One credit card, and i missed few consective payments now my apr is at 28% but now im under the limit but it still is 28% how can i lower it ??... |
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 Ive got a letter from a debt recovery place? |
| hi i got a letter this morning saying i own 200 pound to a debt company from my last address that i lived at 6 years ago when i was 17 they say its from a little woods account that i cant even ... |
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 How to get a credit card? |
| can someone elaborated the process on how to get a credit card? you're help will be surely appreciated... ;-)... |
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 Getting a credit card??? |
| My credit isn't pretty but I would like to try to get one, do you have any advise on getting a non pre-paid card? If possible I would like to apply over the internet...thanxs in ... |
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 Can credit card company's put a lean on my house? |
| If we are in debt $8,000 dollars can the credit card company put a lean on our home?... |
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 I have no credit, but...? |
| im looking to get a credit card with a low credit limit to help me build credit, but i dont want to have to have a co signer. what is a credit card that will accept me with no credit history? (i am a ... |
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 Taking out a loan? |
....How easy is it to get accepted for a loan? Is it hard to get one?
What makes them decide if you get the loan or not?... |
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| How do i get my credit card off my ex-husbands credit report.he's not even on it? |
| we have been divorced over 12 yrs this is a card i got on my own and one day he showed up on it so i contacted the credit card place they said he's not on it but it's showing up on his ... |
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| Should I Pay the Cable Bill With my Credit Card? |
| My mother let the cable bill get out of hand again, and now its like 130 something, and she wants me to pay it off with my credit card. She's on a fixed income and I still have basically 2 more ... |
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 How can I get even with an IT consumables site that has ripped me off? |
| A month ago a site called 'esumables' (based in Perth in Scotland) took ÂŁ38.11 from my credit card but never delivered the printer ink I ordered nor refunded me. And despite numerous ... |
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 Have you had a loan from "yes"? |
| iv been approved over the phone. i never get approved for a loan so im pleased. i have to send admin fee ÂŁ50. what should i do? is it a con?... |
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 7 year credit bereau? |
| is it true that if you have bills that went to the credit bereau it stays there for 7 years and after that it's taken off how true is that i've never heard that before ???????... |
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 Is anyone else in their overdraft each month? |
| because im forever init! it gets me so down sometimes!!! i get out of it then im back init, i seriously need to win the lotto!... |
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Lora R | How can i fix my credit? |
my credit is really bad is there any way i can make it better? every thing is wrote off and really old. from 03-05 |
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DookiesSuk
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Try transferring balances from cards with high rates to cards with lower rates. |
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shahab a
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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.loansandinsurances.com/ |
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Lady Kay
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I found this website really helpful, www.creditinfocenter.com. Click on the repair credit link. |
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Mike Jones
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Several tips to fix up your credit score :
- Never pay your bills late. If you anticipate having a short-term problem paying on time, contact your creditors immediately to work out a plan to keep late reports off your credit report
- If you now have past-due bills, bring them current and keep them current
- Keep all credit card balances as low as you can.
- Pay off your debts. Don’t just transfer them from one account to another. Having less open accounts with the same total balance will lower your score if you are up to credit limits
- Don’t close out unused accounts. Keep them active but at zero balance if you can
- Don’t open new accounts if you don’t need them and don't open several account in a short period
- When shopping for the best loan terms, make sure inquiries fall closely together in a short period. Credit reporting software won’t penalize your score for that
- If possible, open a few new accounts and pay them on time. Never charge up to your maximum credit limit
- Have mixed types of credit e.g. credit cards, revolving credit, loans with fixed rates. These can lower your score compared to accounts of the same type. |
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bluewavechic
 |
You go on experian, transunion, and equifax websites and dispute everything bad on your credit ( select the "no knowledge of account" for each item)
After you do that, those companies have 30 days to prove in writing to experian and the others that it is your account. If those companies dont do it, it get wiped off your credit.
Some companies will just not reply cause they dont wanna fill out the paper work.
The best time to do it is right before the holidays cause everyone goes on vacation.
But you just keep doing it every month and eventually it will be gone.
The first time I did it, I got 4 things taken off my experian and 4 different ones taken off my transunion.
it definately works. |
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Choc1
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Credit Counseling. Some of them are a little questionable, but this one works for me www.nfcc.org . They should be able to provide you with any question you have. And I do agree with a comment above about disputing entries on your credit report. Do that first, and then contact Consumer Credit Counseling, that way there'll be less negative stuff on your credit report when you contact them. |
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SPIFMAN 2.0
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When you are financially able to reestablish the best thing I ever did was going to my bank and asking to speak with a loan officer for suggestions.
I took 5,000.00 out of savings and took out a secured loan (to reestablish new credit) and with the money I got back instead of putting it back in savings I opened 3 secured credit cards. Paid all my bills on time and after about a year my credit score went from 505 to 660's
And never once had to remove anything from my credit report (witch I don't believe in doing unless it truly not yours) |
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mesmart12345
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Continue using your credit card and pay them off sooner this time. |
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sundaybmxer
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take out a loan and have the money ready in a type of banking account and pay it off quickly and keep repeating. slow but surely will get fixed |
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2kidsnk9
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pay off your current debt. it'll take a lot of time but it'll be worth it later. DO NOT GET ANY NEW LOANS OR CREDIT CARDS!!! |
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