 Will closing unused accounts hurt or help my credit? |
| I have a decent line of credit and a mediocre credit score. I have a "good cushion" of credit avaible. One of the "negative" factors on my credit is cards with low available ... |
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 Do I have good credit? My credit limit on my Bank of America card is $8800 and they keep raising it.? |
| I have missed payments in the past year when I wasn't working and recently due to some unfair practices of Bank of America. But it seems like despite my late payments, I have decent credit?... |
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 I own no credit cards and I am in Debt, How do i get out???? |
| I have never owned a credit card and i am in debt. I want to make my credit score better. I have heard things fall off your credit after 7 years is this true? How can I change what is showing on my ... |
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 Can i get a credit card with out my parents consent? |
I'm 16
Additional Details
and what about debit cards? because they just automatically remove money from your account rather than seperate payments.... |
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 What do I pay off first? Collections $ 197, 225, & 450. Or credit cards $510, 890, & 442? Want to raise credit |
| I want to clean up my credit and pay things off but I don't know what's more important and will help raise the score quickest. The credit cards are active except for the 890. I still get a ... |
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 After going to collections, do I still have to pay? |
| I have just a little over $20,000 in credit card debt. Its about 5 different credit cards and I havent paid them in 4-7 months. Some are in collections already and I have received a letter from an ... |
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 I need some advise on getting a credit card.? |
| This is my first credit card and i want to get a car and possibly in the future rent an apartment but i have no type of credit. i applied for discover and they denied me so does anyone have any ... |
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 How many credit cards should you have? |
| I have 4 cards – one for gas, one for food, one for vacations, and another for emergencies. Ideally speaking, how many credit cards should you have?... |
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 How does an 14-year-old with no credit history get a credit card? |
| I'm 14 and I have tried 2 diffrent places the first was american express and the second was discoverey. They both wouldn't except me because I'm below the age of 15 and 18. Can some ... |
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 How do I get out a car payment/loan I cannot afford? |
| I don't make nearly as much money as I use to and I am struggling with my car payments.... |
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 Should I file for bankruptcy? |
| I'm 27 and want to buy a house but I can't bc I'm about 10,000.00 in debt to about 15 credit agencies for random stuff and medical bills. I really can't pay them off. I just ... |
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 Trying to buy a phone and refused, saying I have a poor credit rating which I know nothing about!? |
| I live in the United Kingdom and was trying to buy a mobile phone online from dialaphone. They sent me an email saying that they refuse to sell the phone package to me because i have a poor credit ... |
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| I have never had credit..? |
How can I build up credit? I've never had a credit card, closest thing to it is my debit card. Help please.
Additional Details
I thought it would be a good idea to build up credit ... |
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 When you have debt will the credit card companies send you a certified letter? |
| I'd assume when they are suing you, but just wanted to check My friend has a certified letter to pick up and she is scared about doing it. What else could it be?... |
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 Is that okay to sign up a car loan for my bf that I knew for 8 months? |
| Today we just cruising at the dealership and I found out that he has a bad credit, miss the 200 dollars payment up to 30k. and the salesperson force me to sign up for him, I didn't want to do it ... |
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 Where can i get a credit card....? |
| Where can a student with bad credit get an approved non-prepaid credit card?... |
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 Debt Collectors Called me, Im scared |
| I don't know the name, but they said theyre a debt collector company, and wanted me to call their main office. I'm scared, I don't know what to do. My mom doesn't know what it is (... |
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 Does it help your credit score to have more then 1 credit card and if so how many should a person have? |
| I was just curious if I should get a second credit card. right now i have a visa and was thinking of also getting an amex.... |
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phleb stud | How can i improve my credit score and what's the best credit card to get? |
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Jeremy P
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You can find a great list of credit cards to help build and improve your credit score here:
http://www.asapcreditcard.com/unsecured-offers.html
Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards-- they'll give you the opportunity to prove your credit worthiness and build a good credit profile. Eventually, with regular on-time payments-- you'll be able to apply for better offers with lower APR's and less fees. But for now... these are the offers you'll be limited to...
Hope this helps! GOOD LUCK! |
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darrenwelsh429
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Ways to improve credit score. Have no late payments, no over limit charges, pay bills every month, don't open a lot of credit cards. If you have a long standing credit card keep that open but don't keep balances on any. |
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gopher
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Improve your credit by using it. Charge a little here and there... Dont go crazy and charge more than you can afford to pay. Try to get a card that offers rewards. Nothing wrong with getting something back. Just be aware of annual fees and try and aviod them |
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pcolaengr1
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Find something with cash back bonuses and no annual fee. If your credit is less than average you won't get a good rate anyway, so be sure and pay off the amount every month, this will in turn improve your credit score. |
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traffic814
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1. Always pay on time or ahead of time.
2. maintain low balances on credit cards
3. keep your total potential debt to earnings load low - If you have a card with a $15000 credit line, you may ask them to reduce it to something more realistic, like $5000.
4. I was told by an underwriter that having just two cards, a major credit card (VISA, MC) and a consumer card (Sears, best buy, etc...) is the best mix for revolving credit.
5. You should have a recent history of both installment or term (Car or house loans) and revolving credit.
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http://www.bestcreditrates.net |
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alexa dion
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The importance of a good credit score can never be understated. Whether you want a loan with low interest and large amount, a gold or platinum credit card, mortgage at good terms, car loan at cheaper rates or simply have a good financial credibility -- none of it can be achieved without having a good credit score. There is no instant solution to get a good credit score. It builds up gradually based upon how well you manage your loans and financial situation. However, the credit score can degrade at quite a rapid rate if there are consistent defaults on loan and credit card bill repayments. Repairing the credit score is not that difficult provided you take these 5 simple steps into consideration.
1. Check your credit report regularly
This is a must to ensure that you know your current credit score, and what is ailing it. If there are any inconsistencies in your credit report get them corrected. Keeping bills of all the transactions you make can be very handy and helpful in correcting any errors in your credit report.
2. Get rid of those extra credit cards
The temptations to own a new credit card are so numerous in modern times that many of us end up with a purse-full of them without any real need. They stay there and cause a lot of problems in repayment. The confusion that comes with too many credit cards can easy lead to a missed payment and resulting penalties. Frequent defaults will reflect poorly on your credit score. So, keep only the necessary and discard the rest. Read more step for credit score at: http://www.credit-card-gallery.com/article/239,Credit_score_repair_in_5_simple_steps |
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liv3wire ~
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First Premier, and Orchard are pretty good rebuilding credit card companies. Both are secure. Which means your credit limit is how much you pay in monthly. You only want to maintain 20% of your limit. Meaning if your credit limit is $100.00 maintain a $20.00 dollar balance. DO NOT PAY IT OFF EVERY MONTH!!! You are NOT establishing a payment history that way!!!
Get a secured loan from a bank. Open savings account with like a thousand dollars, then borrow a thousand against it with like a 6 month payback. You an boost your score about 100 points in a year pretty easy.
check your credit and make sure there isnt some stupid little bill that keeps dinging your credit every month. if there is get it paid off. |
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beauty s
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orchard bank |
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janepeepshow
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yeah get credit cards, buy stuff, & pay on time then you cancel your credit cards because they're a rip off. so, the best credit cards to get are none. |
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See Saw
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Some of the well known HSBC credit cards are: HSBC Platinum MasterCard, HSBC Cash Back Rewards MasterCard, HSBC Cash or Fly Rewards MasterCard etc. The primary benefit of these cards is the 0% introductory Annual Percentage Rate on purchases and balance transfer from 6-12 months, right from the day the account is opened. All these cards offer online account management services. |
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Kyle Spencer
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The best thing you can do for your credit is to pay off existing bills and keep on them. Not to mention, if you have any open lines of credit, keep them up to date. As a car salesperson I see people come in all the time with bruised credit and as i've seen it's pretty easy to fix it. The best credit score is actually a 900 and as for a credit card. Any major one is normally very safe. |
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Matt
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Orchard Bank is the best credit card to help build rebuild credit.
Avoid First Premier, Tribute, Rewards 660, Imagine, Total, and Continental Finance. These are all high fee / low limit credit cards.
Avoid secured credit cards. Most report your status as secured and this does nothing to help build/rebuild your credit. |
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V(^_^')V
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open a credit card account, pay in full all the charges you made on time. best credit rating is 800. |
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starfairy181
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Go to the forum section of http://creditboards.com and READ READ READ |
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Mrs.H
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Try these.
http://pwindham.NewCreditApplications.com |
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erik_weezy_baby
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I dont know about the cards because they all suck now but, to raise your credit score you have to buy tons of stuff with your credit card and pay it off on time. Thats really the only way to do it no easy way out, and dont buy something you cant just when you go to buy clothes use crdit, food credit, gum credit, everything helps! |
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2cool4you
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my life in fabulous, my card is american express.
you cant improve your credit score |
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