 What is the best was to consolidate credit card debt? |
| I'm 21 and have made some studip choices on getting credit cards and charging them up. I have $8000 in debt and am still in school. Is there any way to get this reduced or set up as one payment. ... |
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 I'm 17 and have bad credit! WTF? |
| I just got a credit report and I have 2 negative standings. Ones $48 and the other $58. The problem is, I AM 17! They been there since 2004 and 5. I was 13 and 14 at the time. AUGH! What do I do? S... |
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 Does anyone know? |
| Is there a credit card out there ro help build bad credit if so what is it called oh by the way i dont have a bank account.... |
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 I need a big auto loan. i have some questions. please help.? |
| i am soon to be 22 years old. i got my first credit card at 18yrs old and immediately maxed it out ($6500 limit). i made a late payment about 6 months into paying off the amount, but all other ... |
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 I've just filed for bankruptcy, how can i start building my credit again? |
| i'm getting lots of mail to get approved for a new auto loan.i'm paying my existing car loan i don't know if i should trade in my car and open a new loan to start building my credit? ... |
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 Can a merchant keep a printed copy of my credit card? |
| Just wanted to ask if a merchant/travel agent is legally allowed to copy my driver's license and the credit card and keep? I recently did a large transacation of about a thousand dollars with a ... |
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 Debt help needed? |
| I have a daughter. At the moment she is un-employed. Her last employer made it plain that she was going to be sacked. She left because it was becomming impossible to work for them. That has meant ... |
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 Open a credit card in your child's name and social security number? |
| I was reading that your credit score greatly depends on the length of time you have had credit and that an account opened for 30 years or longer is key to getting you into the 800s. What do you ... |
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 How do I go about consolidating my credit card debt? |
| I have a good credit score, last time I checked about 6 months ago it was about 720-730. Recently I have acquired a big credit card debt, about $9,000 on one credit card (with a limit of $10,000) and ... |
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| I am about to make a $500 purchase. Should I get a credit card to buy it? (I am 18 and need credit)? |
So would it be a good idea to go to my bank and apply for a student credit card. And then use it on my purchase, and then pay they bill in full right when it comes?
Will this help my ... |
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| I went to the interview, and the boss likes me , he was staring at me, and said yes after 5 min we met? |
should i take the job?
its a cool job, but i guess i will awlays have to smile and pretend that i like him back , but married, or engaged or a lesbiian , whatever
should i?... |
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keiths_mommy_1 | How do I improve my credit? |
I don't have good credit. I can't get a credit card, due to it, so how do I improve my credit? The reason I have bed credit is due to defaulting on a student loan several years ago. So anyway, I have a couple checking accts, both with debit cards, but they don't seem to be helping. What do I do?
Additional Details
My student loan has been paid off for a couple of years... |
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Sean T
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Major credit card issuers like Discover, American Express and Chase offer a credit card for bad credit holders. A 'shopping' card offers you an unsecured line of credit from specific sellers. Use these cards to increase your credit rating, since the credit bureaus will be informed about your timely payments.
Take care to ensure your credit is good by making intelligent credit choices. Keep low balances, do not be extravagant and take care to pay off your balances promptly every month. |
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gremlin
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Buy a cheap car that you can afford from a dealer that accepts bad credit ratings or buy an appliance from a local store that will take a loan on it. You will need some references (arrange those ahead of time with some friends of yours) It may take about a year before a credit card will accept you again. DO NOT MISS A PAYMENT with the next loan you get. Good Luck! |
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bdancer222
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Bank accounts and debit cards are not on your credit report.
You should try to rehab those student loans. There are programs that allow you to make payments for a certain period and then the loans will start reflecting the monthly payments. If those of Federally backed student loans, they will come after you anyway.
The only other thing you can do is get a secured credit card. You deposit $x and that is held as collateral against your line of credit. Use the card and pay it in full every month. This will help you establish a good payment history. You will need at least 24 months of consist, on time payments to see improvement in your score. |
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Judy Preston
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What you have to begin with is a bad credit card. You can look through them at http://www.free-credit-reports.com/bad-credit.php. In spite of the fact that they don't have attractive options but they are the first step to good credit. |
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lnbjameson
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Bank debit cards won't help. But there are prepaid debit cards you can qualify for that can help you build your credit rating and improve your score.
Credit reports are free; credit scores are not. You can, however, sign up for a free trial credit report and score and cancel it before the trial ends, but that's not something I would recommend. |
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globalbpo1
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there's lots of ways. too many to mention here. this site has plenty of tips: www.creditscore.pro |
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Sheena J
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My ex ruined my credit. A friend of mine who is a financial avisor told me 2 open a savings account at the bank and to try 2 build up a little bit of money n it. After I got about $1500 in my savings she told me to go 2 the bank and take out a loan using my savings account as collateral. Then I put the money I got 4 the loan in the savings also. After I paid the notes every month and the loan was paid off, I took out another loan from the bank. This one for the $5000 I now had in my savings. I put the 5000 n2 the savings account to build it up to over $10,000 I paid on time every month and after 18 months, my credit rating went from under 200 to over 750! And the best part was when I bought my new car, I had my savings account money so I used it every month to pay my car note! I would have used it as a down payment on my house if i was going to buy a new 1. No1 builds credit over night, but if you set a strict plan and stick to it, u can't fail! |
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