 My husband had a credit card in his name only for some dental work. He passed away 2mo. after. I have been? |
| paying on this bill for the past 3 yrs. and the int. rate is 27%. Income was cut in half so I'm just paying min. every mo. so the balance never goes down. Am I legally responsible for this bill?I... |
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 What is a good credit card for me? |
| i have limited if not any credit at all. i just turned 18 last year in november. what is good credit card that will approve me with a decent apr?... |
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 What is the best way to pay off an $8,000 credit card? |
| My current card has $8,000 on it and the percentage rate skyrocketed to a 24% interest rate! I did not read the fine print and after the introductory 0% rate, the interest rate increased. I closed ... |
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 Do things not showing on my credit report affect my credit? |
| I have bad credit as it is but I'm working on fixing but to start off I'm only paying the debts that show on my credit report... but I know for a fact I have some other things that DON'... |
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 Just got approved for a capital one credit card? |
| OK, so if you read my past questions you can see that I have tried desperatly to get credit to buy a PC from for School. so Capital One approved me for a credit card after I got one of their letters ... |
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 Credit Debt? |
Is it true that if you dont pay your credit cards bill for 6 years they just take it off your credit report and stop asking you for the money, cause its unsecured line of credit???
Cause ... |
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 What's a good credit card for an 18 year old to start building good credit? |
| I'd really like to get one, because I know how to not abuse it, and I have the money to pay it back. Thanks.... |
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 Strange Debt Letter Help? |
| I received a letter off a debt collection company this morning saying I owe them nearly a thousand pounds, and unless I sort it out they will start bankruptcy proceedings against me, after they have ... |
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 Debt collectors? |
| Hi i say on the news about zombie debts on how they are agressive. well I have one of them harrassing me on a debt from 1994. The orginal balance was 400 bucks and now they want 18k. I told ... |
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 Paying off old debts? |
Hello everyone,
I have debts from the last several years.
But my question is, is it better to settle on a debt if the collector is willing to, or pay off the entire thing?
... |
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 Where do I get a prepaid mastercard without having to apply and fill out forms? |
| I am 14 and I want to buy a particular item online but I havent got a debit or credit card and my mum says I am not allowed to get it I have got the money needed for the item all I need is a credit ... |
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 Capital one keeps reporting on my report even through its charged off when will it come off my report? |
Additional Details
so even through they keep reporting it will come off 7 years from when it was charged ... |
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 Should i file for bankruptcy? |
| i have over $13,000 in debt, including medical bills, credit cards, and student loans... my minimum payments each month are averaging just under what i make monthly. i'm barely scraping by and ... |
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 What is the reasoning for employers doing credit checks before hiring? |
| and can you refuse it, and can they not hire you because of a flaw on your credit- and how much weight is actually placed on a credit check for a job?... |
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 Credit collection? |
| I have a collecting from Palisades Collection LLC that is on my credit report. My current score if 650, not good, but not horrible. I am trying to raise my score. the collection is from Alltel for 300... |
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OohLala | How can i get my credit score higher!!!? |
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jaided_one
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The 2 fastest ways to improve your credit score is to buy a new car or purchase a house. Nowadays, there are many second chance lenders who're willing to finance people with less than favorable credit. Your initial APR will be astronomical (upwards of 16.9%), but be meticulously consistant and ask to refinance after 6 months of spotless payments.
If that's not the direction you're heading right now, grab a copy of your credit report and review it carefully. Dispute anything that isn't accurate with each of the credit bureaus. It's never too late to pay off an old debt. If you can help it, never accept a charge off offer. It doesn't look good on your credit report. Go ahead and pay what you owe, in full. It'll reflect more favorably on your credit report. Pay your bills on time every time. Contact your present credit companies and try to negotiate a better, more manageable APR rate. As much as humanly possible, keep your card balances at or below 50% of your credit limit. Debt-to-balance ratios above 50% do not go over favorably with credit bureaus.
If you can, try to establish retail credit. Use it (for say, a $25 purchase) and pay the balance IN FULL at the end of the month. Do this consistantly for 3 months to establish a favorable payment history.
Good luck! |
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Solid
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You have to monitor your "tradelines." Everything you have open on credit is known as a tradeline (car, credit cards, home mortgage, etc.) The longer you have open tradelines, you higher your credit score will go. Don't open and close tradelines frequently. It looks bad. It is better to have a credit card open forever with no balance than to have a bunch that have been closed. Also, make sure that you maintain your credit card balances at least 49% or lower of your credit limit. 50% and higher and the credit card companies consider it maxed out. I know this sounds crazy but it's true. I've been dealing with credit scores a long time. So long as you keep your balances at 49%, your score will continue to go up. Aside from these, make sure you pay more than the minimum balance on every credit card because sometimes your finance charges are more than your minimum balance. Whatever you don't pay off from your finance charge, it gets added to the principal. Then next month the finance charge will reflect the new principal balance. And lastly, don't pull your credit score too often, that brings it down too. Hope this helps. Good luck! |
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avengepluto
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Pay all your bills on time. Pay off all credit card bills early. Buy things you know you can pay off by the end of the month. Don't buy it with your credit card unless you have the cash to pay for it.
NEVER MISS A PAYMENT.
NEVER MISS A PAYMENT.
NEVER MISS A PAYMENT.
NEVER MISS A PAYMENT.
NEVER MISS A PAYMENT.
NEVER MISS A PAYMENT.
Also, there are a bunch of credit counseling sites out there. Just use Google. |
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Naren
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This is how your credit score is determined
how long you have had credit - 15%
new credit issues - 10%
type of credit - 10%
how much you owe - 30%
Bill payment history - 35%
The factor here we have control is Bill payment history only. So please keep paying your credit card bills in time. |
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SissyK
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Besides the usual credit counseling sites and agencies, here is an idea that has worked over and over again...
Go to the bank and take out a loan for $500. Let them know that you are trying to increase your credit rating. Instead of taking the money and shop, put it into a saving account. Have the bank automatically take the payments from savings account. The bank will report to the credit agencies that you are paying a loan on time and it will increase your credit. |
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Dizney
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pay your bills on time! This isn't an instant fix.
If you have a company that tells you that they can fix your credit score by paying them $xxxx, run away - that's a scam. |
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Click
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I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you. |
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The Irish Nazi
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FREECREDITREPORT.COM |
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