 Can Collection Agency refuse payment? |
| I am in AZ and I am trying to pay a collection agency $20.00 per month because that is what I can afford and they are telling me they can not work with me on that amount even though they took the ... |
|
 Do paying surveys work? |
| i was looking into doing surverys where they pay you to make some extra money but do they really work or is it just a scam? if they work, can anyone recommend a good site for me? thanks!... |
|
 I have some money in the bank that I could use to payoff my mortgage, however I am not sure if that is good.? |
| Is it better that I use $118,000 to payoff my mortgage today? If I do that I would not have debts only will have to save for insurance and taxes. I am not sure to invest in the stock market now ... |
|
 Is it legal for a collection agency to do this? |
| I have been having some financial difficulties of the last few years. My brother just called me and said there was a message left on his answering for ME about a "refusal to resolve". P... |
|
 I need money for Christmas, please help!!!!? |
| I'm looking for a way to make some quick money for Christmas. I am a working mother of 2 boys, but my oldest (he's 10) is diabetic, so all my extra money goes to his insulin and supplies. C... |
|
 Is it good to get a credit card to build credit if you have none? |
| I am trying to build my credit but I am only 20 so I dont really have any. Is it a good idea to use a credit card to build credit?... |
|
 What is bankruptcy and if i filed it how would it effect me(read on)? |
| Im on benefits due to illness and my debts are spiralling out of control...debt consolidation companies are not an option as its still too expensive and the last ones i used werent sending payments ... |
|
 My ex-husband trashed my credit!? |
| I have two major charge offs on my credit report one is for 6k the other for 3k. Both generated by my ex-husband. The accounts were in my name alone he just used the cards. Both accounts have been ... |
|
 Captial one credit card? |
| i just recived a letter from captial one this morning as i applied for a card with them i had to sign the agreement and send it away which i have done as soon as i recived the letter does that mean ... |
|
 Is there a real way that a teenager can make money online? PLEASE HELP? |
And please dont say "Get a job" I have one, but some extra cash would be nice.
Is there a real way online that i can make some money without having to put a credit card or something?<... |
|
 Does anyone Know any loan sharks or money lenders pls? |
Please dont reply if you just want to say dont do it or if your money lender that keep wanting up front fee im not interested
Additional Details
If anyone know where to find one people ... |
|
 Who are the world's first three richest persons? |
| well this is a common question and i hope you all would be able to implement this ... |
|
 Can a company charge my credit card without my authority? |
| Ok... so here's what happend. I decided to start this weight loss program that I've done before at a new center. This new center charged me for being a first time client. I later found out ... |
|
 Question about credit...? |
| I have really bad credit with a score of 539. I made a lot of mistakes when I was 18, I am now 25 and don't need you to lecture me. My question is... I just got approved for a Continental M... |
|
 How long does a credit card refund take? |
| Hi, I have just got a credit card last week and I bought something from Topman on the Wednesday, and took it back the next day, my card doesn't offer internet banking, so I called today to ask ... |
|
|  |
MissMichelle182 | How do I get my credit score up??? |
|
 |
 
$m¤¤v¥ £¤¢¤
|
It's a very general question that you've asked. I'll try to answer your question the best I can:
First you should know what makes up your score:
1. Payment history- 35%
2. Total debt owed to available credit ratio-30%
3. Length of time establishing credit-15%
4. Types of credit established-10%
5. Inquiries and New accounts-10%
What I just mentioned is important because it gives you general idea of what is affected by your score the most. Late payments, recent collections that are less than 2 years old affect your score the most. So, it's important that you pay EVERYTHING on time. There's items like rent and utilities that don't report on your credit when you pay it, but do when you become delinquent.
Also, how much credit you're using versus how much you're able to borrow is another important thing. One poster said that you should use no more than 50%, actually it should be lower than that. Really, you should use no more than 30-35% of your available credit at any given time. And the ideal thing would be to pay off your balances in full every month. The more available credit and the smaller the balance owed on your credit cards, the better your score. If possible, request for line increases regularly.
Another thing that you should do not to close out accounts. Credit is designed to be used over time. Revolving accounts can be reused over and over, while Installment accounts allow to be paid out over a period of time as well. It's important to show on time payments for as long as possible. That's how the other factors tie in. The longer you have an account that you've kept in good standing, naturally the more payment history, the better the rating you'll have. If you close accounts, then you shorten that payment history, and also the average age of accounts you have giving the appearance that you're not as experienced with credit.
Also, it helps to monitor the types of accounts that you apply for. Applying for credit unecessarily can lower your score because it creates "hard" inquiries which can lower your score 3-10 points, regardless of whether you're approved or not. Also, you should have a balanced mixture of revolving (credit cards, line of credit) and installment (mortgage, student, auto, personal loans, etc) A good mixture of accounts would be 3 revolving, and 2 installment.
Hopefully, these answers will point you out in the right direction |
|
Tim J
 |
The easiest and fastest way to do this is to pay all your bills on time for at least 12 months...
Second, get your free credit reports and go thru them line by line. If you find any errors, then dispute them. When disputing, never do it online... Mailing in by certified letter always has better results because it requires an actual person to be involved and not just some computer...
Good Luck and I Hope this helps... :) |
|
Katie M
|
Pay off any account labeled " deliquent " or "charge off" also you can go online to the credit bureaus websites and dispute all the accounts this gives the original creditor 30 days to validate the debt if they fail to respond the credit bureaus will remove the trade from your credit. This should help you out!!!
the three credit bureaus are :
experian, trans union and equifax |
|
Cheryl d
 |
Best way to get a credit score up is pay your mortgage (not rent) morgage payment and car payments on time. Those are the biggies. Also don't exceed 50% of your availible limit on your credit cards. They mark you down for that. Pay all payments on time and don't open and close credit cards a lot. Looks like inquires and it looks like you where denied. Hope this helps. |
|
heybulldog
|
The only way to get your score up is to borrow money and make payments on time. You also have to keep borrowing money and keep making payments on time to keep a high score. That's why it's called a credit score. A better word for it would be an " I love debt score".
If you pay as you go.
If you live on less money than you make.
You will have money and not have to worship at the alter of the almighty fico score.
It's good for nothing but getting into debt with.
All it will bring you is debt.
The fico score, along with credit cards were designed by banks to get people in debt and keep them in debt. It works too. 65% of all people with credit cards carry a balance every month. |
|
Salma
|
Raise Your Credit Score in Record Time & Effective Tips
Read it Here : http://yaubeu.notlong.com
Hope This Help . . . Good Luck. |
|
traffic814
|
To raise credit score
1. Always pay on time or ahead of time.
2. maintain low balances on credit cards
3.To boost your score: Don't charge anything for at least 60 days before applying for a loan
4. 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.
5. You should have a recent history of both installment or term (Car or house loans) and revolving credit.
6.To boost your score: Don't close unused accounts when you transfer debt.
7.To boost your score: Consider opening another credit-card account or two, or taking out a car loan or small bank loan.
------------------------------
http://www.bestcreditrates.net |
|
Renee
|
if you have bad credit or no credit and you cant find someone that will give you a credit card then usually your best bet is to get a secured credit card.. thats were you give them money to cover your limit and it builds your credit.. example.. give them 300 dollars and you will have a 300 dollar limit.. use the credit card, make your monthly payments and that will build your credit |
|
kevin
|
use your credit card wisely.do not be late on your paymts.try to mail in your paymts way in advance.make sure your are in good terms with your mail man.always know your available credit.you can normally have 1 over limit fee and 1 late fee waived as cortesy but dont use this unless neccessary.if your are the 1 who manahes your life online pay online.call customer service and know the cut off times for various mades of paymts.try to make paymts more than your min paymt.always keep applying for higher and better term card.get a copy of your credit report form the credit bureau.and whatever you do try and avoid taking a cash advance from the atm or bank as it charges a lot of fees. |
|
Ba
|
Pay your bills on time and make sure you have at least 2/3 of total credit available to you at anytime(never max out your credit cards => it hurts your credit score big time).
Be patient, it is a slow long process to improve a score, but you will surely see the result at the end. |
|
greffy
|
Keep balances low on credit cards and other “revolving credit”. High outstanding debt can affect a credit score.
Pay off debt rather than moving it around.
The most effective way to improve your credit score in this area is by paying down your revolving credit. In fact, owing the same amount but having fewer open accounts may lower your score.
Don't close unused credit cards as a short-term strategy to raise your score.
Don't open a number of new credit cards that you don't need, just to increase your available credit. This approach could backfire and actually lower your credit score. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 4 minutes(s) ago
| | | |
11 | 8 minutes(s) ago
| | | |
9 | 28 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
7 | 1 day(s) ago
| | | |
11 | 2 day(s) ago
| | | |
11 | 1 week(s) ago
| | | |
10 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
