 Could I get a loan on a house for 11,000 down? |
| Ok if I had good credit the answer would be simple. Though I dont know my credit score exactly affraid to look lol, I know it cant be great I owe like 12,000 in doctor bills, 2,500 in past due rent, ... |
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 Is it better to pay off a credit card in full each month or pay the minimum balance? |
| is it better to pay off a credit card in full each month or pay the minimum balance which 1 will help my credit the ... |
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 I have terrible credit and can't even get a basic bank account but need one for when i get ajob?? |
Any suggestions is there a bank acocunt for people with adverse credit that doesnt cost anything or isn't too expensive?
Additional Details
I don't owe any money to the banks ... |
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 What does this mean? |
Acredit card company sent me a card. The credit limit is 300.00. They charged me 178.00 for the card. So, now my limit is 122.00 What's that all about? That's crazy.
A... |
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 What is the best way to pay off these two credit cards? |
| I have 29K in credit card debt, with 29.9% interest on both. If I get 15k cash given to me, would it be better to pay off one card or pay each one down half way? Please let me know, I'm ... |
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 Can you really gget crimally procuted by ...? |
not being able to pay back credit cards i am on a fixed income and got overwalmed and now whats going to happend to me
Additional Details
i did tell them my income was higher than it was ... |
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 I have really bad credit, does anyone know where i can get a credit card? |
| My empirica score is around a 520? PLease let me know if you have any ideas, I would like to rebuild my credit.... |
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| My pay is being garnished for a student loan.Now the bank is too because of a auto loan.Is this legal? |
| I get garnished for 500.00 a month.My car was reposed and I am already being garnished for a student loan 160.00 every two weeks.Now the bank that financed the car is garnishing my 100.00 every pay ... |
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 Credit problem....???? |
| I have no credit and I am trying to build some...I applied for some credit cards but can't seem to get any. If my boyfriend gets a credit card and puts me as a second card holder, will that help ... |
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 How will this effect my credit? |
| Last year I had to make some emergency expenditures and racked up a few thousand in credit card debt. I have been shifting this debt from card to card to take advantage of the low initial rate on ... |
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 I'm broke living in london help!? |
| as soon as i get paid i pay off last months debts. how can i make a fast buck. open to all suggestions, would prefer legal ones!... |
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 Why do you have to PAY for a FREE credit report? |
| Every credit website I've been to wants me to subscribe to a monthly plan....what happened to my FREE credit report!!!!?????? How do I actually get a free report without paying....?... |
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 I need to get a loan for college in a quicky does anyone have any ideas of how I can go about it with out? |
| I need to get a loan for college in a quicky does anyone have any ideas of how I can go about it with out a good credit, must not be federal, no co signer, and nothing that is silly. I need a ... |
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 Is it illegal for a company to ask for your s.s.n when applying for a credit app.? |
| I work for a company that offers credit card to there customers. I had a lady tell me the other day when she wanted to apply for a credit card that it was illegal for us to ask for her social ... |
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Gary H | How can you clean up your credit? |
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ed201283
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Pay your bills on time. |
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bijan816
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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.
--------------------------------------...
http://www.bestcreditrates.net
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♥♥ lou lou ♥♥
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PAY YOUR BILLS SAVE THE RECEIPTS !!! IN CASE THEY SAY YOU DIDN'T PAY IT. |
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raccoons
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The first step would be to find out what your credit score is. Once you know this, you can start to pay off debts that went to collection agencies etc. and then gradually pay off debts a little at a time. Some agencies can work with you and approach your debtors and possibly arrange a loan consolidation or reducing interest rates or putting them on hold. There are many things that can be done. This should be done before approaching a bankruptcy firm. Good luck. |
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Daniel L
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Always pay your bills on time.
Stop getting new credit cards.
(Don't close old cards, just stop using them. In fact, ask them to lower your credit limit.)
Use credit wisely. That is, have it but only use it in emergencies. Pay your bills in full every month.
You can get a free copy of your credit report each year. Write them on any items that are incorrect. Then ask for another free copy to verify they removed the item(s). |
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luciousgreeneyedlady
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pay all the delinquent accounts |
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msmith7811
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according to the FICO site (http://www.myfico.com/crediteducation/),... your FICO score is based on these criteria:
35% - payment history (did you pay on time)
30% - Amounts owed (are you maxed out on all your cards?)
15% - length of credit history (longer is better)
10% - new credit (are you opening up a bunch of accounts?)
10% - types of credit used (mortgage is better than payday loans)
Based on this, the best way is to
1 - get current with everything and stay that way
2 - whittle down the balances on the non-mortgage loans
3 - don't open new accounts
4 - wait.
Any black marks on your credit history have less impact as time goes on, so missing a payment last month will hurt more than the one you missed 3 years ago.
Also, being 1 month late is much easier on your score than being 2 or more months late, 3 is much worse than 2, etc. Being less than 1 month late shouldn't show on your credit history.
There's plenty of good information about your credit at
www.transunion.com
www.experian.com
www.equifax.com
Hope this helps. |
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gtofinancial.tomvoli
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You need to submit a letter of dispute to the 3 bureaus.
Here is some info that will help: |
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neyoneyon
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Always pay bills on time.
AND...
You can also get a credit card and charge something small (like a pack of gum) every month. Then pay off your charge EVERY month. Since a pack of gum is very affordable this will not be hard to do.
And because you will be paying off your card every month...this will help you build your credit score back up. |
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ramman
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You can request a free copy of your credit report, once a year (under federal law). You need to be diligent in checking that all information contained on your report is accurate. You can dispute any information contained on your report, and the company that reported you has 30 days to verify the information or it will be removed from your file. There is complete information on how to go thru this process on the Federal Trade Commissions' website, www.ftc.gov |
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trojancowboy1
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pay them all off or wait about 10 years and they will be taken off your record. I know by experiance. That happened to me. |
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Tapestry6
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Watch your credit report monthly and wait 7 years until it all rolls off.. there is no easy fixes despite what the commercials say. |
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Quarillion Jiggles
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This is what you credit bureau states...All the credit you have (credit cards) how much you owe a month on them, how much the outstanding balance. Late payments. Inquiries which means which companys have checked your credit. Any collections you have, and if you've paid them off it wil state that.
NOW knowing this can help you.
May sure you pay all your bills/credit cards on time.
Dont let ANYTHING get into collections.
Having lots of credit and inquiries isnt really good, your credit score goes down. |
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