 Where can I get a loan with bad/no credit history? |
Personal Loan Requirements
---About $2,000
---No cosigner
About Me
---18 Years Old
---Have had credit card for 4 months
---No delinquencies
---Not much credit ... |
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 I need a personal loan right now but i have bad credit is there a place where i can get it right now? |
i have tried a bunch of places online and i can't get it it keeps taking me to other web sites i just need a website that will get it no questions asked
Additional Details
i just ... |
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 Do credit cards have a minimum purchase amount? |
| I just got my first credit card and I wanted to try it out so I went to the grocery store and bought a soda. However my credit card was declined. The card is activated and I'm certainly not over ... |
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 Bank Account and Routing Number - Should I be worried? |
If you gave out your name, bank account number, and routing number, can the person use this for identify theft or stealing money from your account?
Can they use it for anything bad?... |
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 Does your credit score really go down each time that you apply for credit? |
| I've been told that my credit score will be lowered everytime that I apply for credit whether applying for a personal loan, car loan, credit card, etc etc......is that actually true?... |
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 Debt collector? Scamming me? Pinnacle credit services? |
| I have no debt. Letter they sent me have my exact address including the apartment number My last name is correct but different first name. I lived here by myself for 8 years. What's going on?... |
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 Getting credit??? |
| I am wondering how in the world I can get credit. I am 18, I don't have credit at all. Nobody in my immediate family has credit or good credit. I have tried to get credit cards, but I have been ... |
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 When depositing a check? |
| Ok I bank at Chase,and I was trying to deposit my check into the atm.I was wondering how fast will the funds be available to me after doing this.Im new to this.Thanks!!... |
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 How can I settel credit card? |
| I have applied for a 0% APR credit card until August 2008 from Chevy Chase Bank, the creditor is USA First. I have been told my minimum monthly payment would be $18.00 which It nebver happened. Now I ... |
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 If someone got a hold of my credit card number? |
Realistically, what could they do with it?
My Wife freaks out when i throw out old receipts with our credit card number on them, but I tell her they would need our full name and exp date ... |
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 How does knowing your credit score save you money? |
| Your credit score is your credit score. There is very little you can do about it or with it. It is like your age or I.Q. How will knowing what it is help you?... |
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 Can I remove a late mortgage payment from my credit report? |
| Is this possible? There are companies that say they can. Is that true?... |
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 Good first credit card? |
Apart from capital one, which i already have, whats a good first does anyone know of a good first credit card for building credit?
(I don't have bad credit, just limited and am trying ... |
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 I Owe $8000 on My Discover Card....Can i negotiate with them to pay half? |
| I been paying $224 a month never missed a payment, But i am losing hours at work, and owe on to many things...Is it possible to pay just half of the $8000 say like $4000 and if so how can i do this..... |
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 Can I solve a debt problem before going to court? |
| After my divorce I ended up with almost all the bills. Some of these ended in collection; now I received a letter stating that I will get sued. I called the agency and told them that I want to start ... |
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Pixie Dust =^..^= | How do I prove to my husband that having too many credit cards is hurting, rather than helping my credit score? |
Need help people! Thanks! ; )
Additional Details
12 for me
9 for my husband |
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Judy
 |
When I applied for my mortgage my rating was perfect except that one line that read "too many open credit accounts in the passed 6 months".
This lowered my score 10 points from what it should have been.
NOT a big deal as long as they are all paid in full and never late.
Carrying a balance hurts you more than anything. Pay them off. |
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golferwhoworks
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you cannot prove it to him as he likes having them. That is his peace of mind. Now you can cut up and pay off the smallest with out his knowledge and just leave them open with zero balances and that will improve your scores. and work your way up the ladder with them.But no you don't need 10 cards lets say any more than you need 10 heads on your shoulders.
I am a mortgage banker in TN & KY |
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John B
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There is good debt and bad debt, so as long as you are not going over 50% of the limits and paying them on time you are in good debt and improves your score no matter how many credit cards you have.
Never close good credit card that have no fees, and always keep the oldest one open which keeps the history high.
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Courtney K
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Your FICO or credit score is based on a number of different things.
You have quite a few credit cards. The more credit cards that have a balance, the lower your credit score could be- based also on a number of differerent factors such as time the account has been open, and if there have been any late payments.
Some lenders will also figure that just becasue you have a $1,000 balance on your card, but have an available balance of say $10,000, they just figure that at some point it will be at $10,000 and that would be taken into account for your Debt to Income ration.
Courtney Kostelecky
Founder DebtFreeNews.com
Sign up for our free newsletter jampacked with tips, tricks, ans secrets to eliminate your debt, and increase your Net Worth
sign up here at http://www.DebtFreeNews.com
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Tracy B
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Every time a creditor checks your credit, it hurts your score. When you have so many different creditors checking your credit constantly, it counts against you. |
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rnwallace07
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Get all the credit card statements, add up the interest being paid on all of them, then show it to your husband. If he/you were to use a debit card from the bank, there is no interest as you are using your own money. Each time a credit card is used, it is like getting a mini-loan from the card company. That is why interest is charged. No matter how many cards one has, by keeping them near the credit limit also hurts your credit score. Pay the minimum while you are building up your bank account, get a debit card and save some money. |
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Jennifer T
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He'll find out just how much this hurts if you're ever late paying on one of those many cards. If this happens, all of the remaining creditors may increase the interest rates on their cards even if you were not late with them specifically.
This is legal and believe me, more and more companies keep tabs on how their customers pay their bills.
Also, you may want to consider credit score monitoring service that shows from month to month what your credit is at any given time. Usually these score reports will make suggestions on how to best improve your credit score.
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src50
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Maybe it does, maybe it doesn't. How many is "too many"? |
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scruff
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If your from england you can go onto a company called EXPERION, you can access your credit score and it will show where you've had points deducted.
I tell you this because whenever you open a new credit card/store card/any type of credit, then the company does a check which puts a little dent in your credit! |
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