 To get credit card? |
| i used to live with family, now i moved to my property last month, i never apply for credit card in last 5 yrs but i have my credit history, so is it possible to to apply for credit cards..when i ... |
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 I have $6,000 in credit card debt, what's the best thing to do? |
| I can't get a loan because I don't have any collateral. What' the best thing I can do? Should I get a balance transfer or is there any way I could get my credit card company to lower ... |
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 Credit history? can i pay a company to fix it? |
| Is it possible to pay a company to remove bad credit listings on my credit rating?... |
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 How can you get a checking account when your credit information says checking account abuse? |
| Okay this wasn't my fault but we had a joint account and we where hurting financially and my husband NOT me wrote some bad checks. We payed off the account and all the fees but now when I tried ... |
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 Is it Illegal? |
| I have heard that you can contact creditors and make "pay to remove" arrangements with them by a lot of different sources but when I went to contact the creditor at first the acted as if ... |
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 Why file for bankruptcy when your credit rating is already bad by not paying up in the first place? |
| Example: am in debt of £6,000 for about 6 years now, i keep getting letters saying i must pay for 6 years now, but i know my credit rating is bad so what difference wud filing for bankruptcy make, ... |
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 What should i do get a loan or a credit card? |
I need about 800-1200 ASAP to pay off college buy books and other things.
what can i do to get the money fast with less fees ect.
what do you ... |
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 I am very frustrated, I cannot purchase a home because of my credit scores.? |
| My credit score is in the low 500s. Everybody is telling me I have to have a 620 before they will even consider me for a loan to purchase a house. I pulled my credit report and I have starting ... |
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 Credit cards for poor credit unsecured? |
My husband and I are looking for a credit card for poor credit. We want to use it to rebuild our credit and were told the best way to do it was to get a credit card...
Thank you for real leads, ... |
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 What is the best credit card option for college students? |
| I'm very concerned about my building my credit and I was interested in applying for a credit card with a great rate and a very low spending limit. (I'm intending on just using it for gas or ... |
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 My bank manager has requested to see me? |
| No doubt he wants to borrow some more money. When I last loaned him money, I told him that it was not 'normal' and he said the bank do it all the time - they lend money to people who can... |
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 Which credit card is the best for transferring over balances ? |
| I was looking to change my credit card so I could be interest free for a year, however I was wondering if there was a limit to how much money you can transfer and any costs?... |
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 How is everyone coping with the credit crunch? |
| I am finding that as a college student that prices of food is really expensive and travelling costs are rising so i do tend to walk more these days as i need the money. I find that shopping for ... |
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| Will it be difficult to buy a home if i have excellent credit and not have a job.? |
| i hate my job and i like to quit. but i also want o buy a home in the next six months . need ideas on how to make this work for me.... |
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Dark and Lovely | How do I build better credit from bad credit? |
I am trying to get out of my bad credit slump from when I was younger and just went crazy with my credit cards. Now that I am older I am trying to start over. I have about 4 or 5,000 in Credit card debt. I cannot afford to just pay all of that but, is there a way to get myself back on track. I am looking to get another apartment but, have been turned down because I have judgements from these credit cards. I also have like some other small things on there and also, some old credit cards that I have paid and closed. Can I get my credit back in good standing or am I just doomed with bad credit? |
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Bart W
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Get a part-time job and you'll pay that debt off in a very short time. It will be a great relief to you. Hopefully you still have open credit card accounts and will be more responsible, but if not, opening another account, even a prepaid account, is still one of the best ways to improve your credit score. By that I mean consistently charging and paying off each month does wonders to your score.
Go to www.creditboards.com to learn how to improve your score. |
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Poker K
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Check out http://www.ineedrates.com |
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HayatAnneOsman
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Start paying off everything at a few dollars a month. Go to the credit agency (yes, you can visit them), explain the problem to them, and ask them for advice and help. Just the visit should help to improve your rating, and if you follow your plan your rating will improve again, even before you have paid all the money back. |
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golferwhoworks
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you are not doomed--- start with the smallest balance and get a payment plan with the court since they have a judgment. Pay it off and then work your way up from there |
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Love in Paris
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no you will recover it just takes time. Make payment arrangements on the ones with the judgment's and if you have current debt maintain the min payments. You can dispute the negatives with the credit bureau's even if it's your debt if it is old they probably won't even dispute it and the credit bureau's will update your report so it helps improve your score.
I think we all went a little too crazy when we were young but you can turn it around.
Good luck
BY the way using a consumer credit service is HORRIBLE for your credit almost as bad as bankrupty the way it works is you make payments to them and they then hold the payments and try and get your creditors to take less than is owed so the entire time they are holding payments the creditor is reporting your not paying and then when they do make the settlement it will report on your credit settle for less than owed. DON'T go that route |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate. Icame across this company on NBC News Special Edition.Check it out here:
http://redirx.com/?0g4c |
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Cris X
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You can use credit repair agency, for example this one - http://creditreport.undonet.com
They will clean lots of such bad stuff from your credit report - and do it much faster than yourself, so your credit will go up. |
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blogger
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there are a couple of ways you could start building credit, you could get a small personal loan which you might need a cosigner or the best way will be getting a credit cards, you could get a credit card and use it for your every day expenses but make sure you pay in full at the end of the month that way it will show pay in full everytime the credit card company reports to the credit beuros. At the begining you will only be approved for the lower end credit cards but once you build credit in about 6-9 months you should be able to apply for a better card with better benefits such as free miles or cash back. Check out www.fastcreditcardapprovals.com and go under bad or no credit section and you will find a few choices.
http://fastcreditcardapprovals.com/ |
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jpocia03
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As you have probably already found out, that it takes a long time to build good credit. And a very short time to throw it all away.
The first thing that I recommend you doing is goto http://www.myfico.com and download the free pdf. This pdf will explain in detail the credit reporting process.
Next I would contact your current creditors and see if there is any arrangements that they would make. Possibly suspending your credit line, and interest rate. To allow you to pay down the balances monthly. Arrange for a realistic monthly payment. They will ask for large amounts at first. If the amounts don't seem reasonible, then don't agree to it. In addition, make sure that they agree to report on your credit "paid as agreed".
Then you will need to work on paying down those judgements. If these balances seem like too much, then unfortunately you will need to consider bankruptcy. Otherwise, these judgements will follow you until you die. These can also be transferred onto your home title, if there were anyway that you would purchase a home. They can also have an affect on future employment and apartment rentals.
So consider either trying to get control on your poor spending habits, and negotiate your current balances to be lower. Then work on your judgements, or just file for bankruptcy.
Good luck |
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boomer gal
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Your best bet is to work with a consumer credit counselor. Be careful with those ones you see advertised on tv. Try to find one that is a non profit.
Editing to add... the non profit consumer credit counseling places operate differently than the for profit places, which is why I recommended going that route. The other poster is correct in his assessment of the for profit places. My husband was on the board of directors for the non profit in our city & that was NOT how they did business. So you just need to ask a lot of questions & go in with your eyes wide open. |
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shmogt
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u have to buy things with a credit card and as soon as u get the bill pay the full amount right away, than after 6 months ur credit will change |
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