 Is it true that closing a credit card account can negatively impact your credit? |
| I have some credit card accounts I would like to pay off and close for good. I have heard that this could have a negative impact on my credit. Is that true? If so, what is the best way to eliminate ... |
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 Any body tell me about payday loan? |
| What is payday loan ? and how can i take this with no faxing ,and i also have bad credit history?... |
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 My credit score is 661. I applied for a credit card the other day...and I wasn't approved. why is this? |
| I'm so confused. I don't owe money to anyone and my credit is not bad at all. Its not perfect but its not bad. So what am I doing wrong?... |
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 I am being refused loans everywhere!help. in lots of debt and cant get out of it. UK companies useless!? |
| i have tried everything.even though able to pay enough back each month and am in secure employment I amstill being turned down. my credit may be poor but even companies for poor credit said no! if ... |
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 I have been served an eviction notice for 2 weeks time due to mortgage arrears. How can I stop this? |
| We had a family bereavement several months ago leading to funeral cost and fell into arrears with our mortgage. The lender misled us into thinking that low payments are better than nothing at all so ... |
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 I know this sounds really crazy, but will anyone let me use their credit card number? |
| First and foremost, I am not a criminal. I am a 15 year old, who got a reward on mycokerewards and I cant use my free-trial because I dont have a credit card. I will ONLY need if for a stupid reason, ... |
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 Need a legal private loan, no up front fees for $10,000.00 no scammers please, or is that possible? |
| Need loan quickly, no scams, no up front fees need to be asked for. Have poor credit, need to pay smaller loans off, make one payment, lower. No credit councilors either.... |
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| Why does everyone worry about their credit rating ???? |
| if you cant afford to pay for things by cash ...dont have it!! thats my moto anyways!!!... |
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 Has anyone ever heard of Trinity Credit services from Texas?they do credit repair and want$1500 to do 2 people |
| I found these guys on the web. They have been in business 10 years. Their rep says for my husband and I it will be $1500 because there is so much to clean off. This seems excessive but I have not ... |
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 I am being taken to court by a law firm that bought a delinquent credit card account I had about 6 years ago.? |
| and never paid it off. The law firm wants to garnish my wages if I go to court (I am trying to settle with them out of court). How much can they garnish my wages? I live pay check to pay check. All ... |
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 I just turned 16, am i able to get a credit card? |
| can i get a credit card or do i realy havve to be 18.....THANKS FOR THE HELP!... |
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 A friend, ex friend, used my credit card, without my knowledge, to purchse from Victoria's Secret.com...? |
| and this was about a week ago. Can I cancel the order and will I get all my money back? All of it? The order is expected to arrive on January 14 or 15, 2008.... |
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 Credit repair? |
Has anyone had their credit repiared by 3rd Eye Inc.
Additional Details
i already am in the credit repair program but i want to know has anyone heard of this comapny i am already with ... |
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 Debt collectors? |
| i got a letter from a debt agency today stating that i owe an internet service provider €769.69 for a service that was supposed to be cancelled. But what i was wondering was if i do owe this money ... |
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ocho | How can you clear bad credit? |
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a2z_4me
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Use the free request site for a copy of all three reports. You got to know where you stand to make a start on the journey of repair.
Review each report and dispute anything that is not accurate. I raised my score 100 pts by disputing items that was not correct.
You may not be able to clear by you can start to rebuild.
Next step get a secured visa/or Mastercard. Make a small purchases every month and pay over the minimum due on time. after 6 months request a credit limit increase, after a year apply for an unsecured card and close the secured card.
Take small loans against your savings account. Pay on time and pay off 2 months ahead of schedule.
Small credit worthiness will build to large credit worthiness. Do it slow so you will not get in trouble and make things worse. |
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wizjp
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Pay it off and wait. |
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TamiAmi
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Try Suze Orman.com |
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foz
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depends if ur in the clear with no debts now! go on2 equifax.co.uk and check ur credit.... it costs money but u can find out y u got bad credit! |
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jimporary
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If you've already got a bad credit record, you have to clear the backlog and then wait for it to go off your record. (Purplemoon tells you what to do if you have a judgement against you.) You can get a good credit record, even if you still have a debt, as long as you are paying it off according to the lender's expectations. It's when you stop paying the debt, that you get a bad credit rating.
But if you have a debt which you're finding difficult to clear, it's really important to (1) pay it off systematically, (2) not add to it with new buying on credit, and (3) not allow bank charges to make it worse. Sometimes bank charges for failed direct debits or bounced cheques can cost you more than the actual interest on your debt. There are debt counselling agencies which give free advice. One agency is called CAP: www.capuk.org |
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alatoruk
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apart from pay it off.
well wait 6 years after paying it up to date for the overdue payments to fall off the reporting period in your credit history then new lenders will be none the wiser. |
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Underground Man
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The best you can do is be determined to turn things around. Bad credit will be on your record for about a decade. Start building a good credit record today. Work to pay off any outstanding loans. Start demonstrating your ability to borrow and pay back responsibly and on time. |
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jamesPurple
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Time is the solution.
But you can help : pay back your old debts, always pay your bills on time, get a regular income, save some money. |
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beauty s
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pay it off in full then try to have them remove them off your credit report.. |
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gabriel jones
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Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is a straight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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purplemoon0101
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You have to pay back the monies you owe. If you have been taken to Court and been given a CCJ( County Court Judgement) when the debt has been paid back in full, you must apply to the court to get a certificate of satisfaction. This is to prove to future lenders,i.e a mortgage lender that you have definitely paid in full. Once this has been done you will then be considered again for mortgages etc,.
If the debts that you have against you are through a debt collector, then again the monies have to be paid in full. You will have to ask them for a receipt that the debt is paid in full as proof for future credit.
Your credit history usually shows the last 6 years.
Bankruptcy appears for 10 years.
I hope this helps. |
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Cockneyrebel
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Pay it off and contact "Experian" after a while to see how your record is doing! |
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Pravda
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Most of the time negative accounts will stay on your record for 7 years. However, you can dispute accounts that you feel are inaccurate and if the reporting agency finds in your favor then it will be removed. Of course making your payment on time is probably the single most important thing you can do to improve your credit. On my answers profile you'll find a link that can help you repair your credit. |
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LB
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It does take time but the best way to better your credit is to pay everything on time EVERY TIME. Most people get bad credit because they don't realize how even 1 late payment can affect their score.
Start paying everything on time every time and you'll start to see changes.
Open a credit card. Start with one. Having credit available to you will help your score. If you use it, and pay on time, your score will go up.
Good luck! |
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elaineperez22
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You can't clear bad credit but you can work on it. Only time removes bad things from your credit report. Get one credit card and make full paymemts for a year. Take like 10.00 and pay it in full just to establish your history. |
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kay kay
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let nature take its coarse on you, ha.'' |
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