 Is cashcrates.com a scam? |
| I went to cash crates.com And i was wondering if it is a ... |
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 Credit cards? |
| I'm going to start college soon, and I'm being told by many people that I should get a credit card and "establish my credit" by making payments on things on time. People have ... |
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 Should I make payments or just pay it off? |
| I'm saving money to purchase a house in April. there are about 7 negative things on my credit report. my score is 502 (which is awful). I have the money in full to pay off my debt but the damage ... |
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 How can i get a credit report without having a bank account? |
Additional Details
i got my report but is there anyway i can get my credit score?... |
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 Can i take out a cash advance with my mastercard cc at a bank without a pin #? |
i don't have a pin on me and need the money right away. i know with visa cc's i could take it to a bank and get an advance, but what about mastercard?
Additional Details
that ... |
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 I need to get my medicine with my credit card. However, I wont actually have money {its my debit card} until F |
| I need to get my medicine with my debt card which I run like a credit card. I will not have money on it until Friday though. However, in the meantime my ear is bugging the crap out of me. Is there ... |
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 Okay I'm a 30 years old I still live at home and my credit card was stolen from me.? |
| my question is here the last time i used my credit card at the begining of the month for only 202.00 and then my card was stolen from me and i looked up on my account for my credit card there was a ... |
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 Can anyone recommend a mortgage company that does credit Repair? |
I would like to refinance my house and I have some negative or bad credit issues. Can anyone recommend a good Mortgage company that can do both (Refinance and Credit Repair? )
Good advice ... |
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 Best credit card for an 18yr old? |
| Okay, so I recently turned 18 and I'm thinking of signing up for a credit card to build up my credit. I have an application for a Sovereign Bank Worldpoints Credit Card and I was wondering if ... |
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 I want to fix my credit...? |
| Ok here's the deal. I applied for 4 dif. store credit cards bc my mom said she would pay them to build my credit (yes I know not her responsibility, but she shouldn't have said that if she ... |
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 Really need credit help...overwhelmed.? |
| Can someone please tell me how to get rid of negative reports on my credit report and stop collectors wo are trying to collect on debts and re-aging accounts that are well past the zeven year mark ... |
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 I am having a 2nd interview for a job I really want. They will be pulling a credit report and I have negative |
| I have negative credit information including bankruptcy. How do I spin this in a good light to make sure they do not exclude me because of my credit?... |
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 Can you puplicize your bad debtors? |
| I work for a charity who has a couple of debtors who have had ccj's issued. I wish to tell the community who has not paid us. Can I witout fee of being sued!?... |
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 How do I stop Capital One from scamming me? |
| I am in quite a bit of trouble with crapital one and I have no idea how to stop them from scamming me. They added charges that placed me over the limit and then charged me over the limit fees and ... |
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Chris S | How can i fix my credit score? |
I had about $15,000 of debt in collections from between 5-8 years ago and i had just paid about $12,000 of it off over the last few months. my credit score went from a 548 to a 605. is there anyting i can do to help get my credit score higher? oh, by the way, i have no open credit now... |
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Diver Dude
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You should obtain a copy of your credit report to understand what is showing up.
If you still have outstanding debt and no open lines of credit, you're likely showing up as having a very high ratio of debt to credit, which is a major negative factor. Closing all your credit cards and having no open lines of credit can hurt your score, especially if you have outstanding balances. You should try to keep your debt to credit line ratio below 30% -- you can always destroy the cards if you lack the self restraint to not use them.
Other things that will help include having a positive payment history (which means having some credit to pay on, be it a credit card, car loan, mortgage, etc...), an increased history (more time with open accounts) and just being reliable with your money overall. |
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Sharon
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Besides the obvious, keep paying, if you can be added to a credit card of a relative that has VERY GOOD credit and a low balance, less than 30% of the total credit on that card. You will get the benefit of their credit. This can raise your score quicker. There are glaring concerns with this so you and the other person have to have an agreement. Preferably in writing. |
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Mark H
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You need to CAREFULLY open up new credit, best is a credit card with a $500.00 limit, then keep paying the bill on it on time. If you can handle a couple, fine. |
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thisMatter.com
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There are many things you can do to improve your score. Finish paying off the debt, then open some accounts and pay on time. To make sure that you pay on time, use automatic debit or electronic bill paying that pays your bill automatically every month or whatever period you choose. Most banks have this for their checking accounts nowadays. Your credit score mainly depends on your total debt in relation to your line of credit and on timely payments. There are other factors, also. The link below gives a very complete tutorial of everything that you can do to improve your score. |
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Suzy
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Good for you for paying your debts! To improve your score, you will have to build a history of paying on time. |
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twv23512655
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If you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card. |
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Rick B
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Nope. Just wait for the old stuff to drop off. Use credit wisely. If you charge new items, pay them off as soon as the bill comes. |
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blondefaith65
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keep paying you debit off and you credit score will go up. |
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Tiffany
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Call the collection companies and see if you can negociate what you owe.
Pay all of your open, in good standing trade lines in 1/2 to lower your debt ratio.
Your score should go up. |
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