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| hes spent over 130 pounds already.. tryed working it out myself but really rubbish at math.... |
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| At this moment I know they are looking for the vehicle. My question is this if I pay the 7 months and put myself up to date with my payments could they still repo the vehicle.... |
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 My best friend had just told me she's in £6500 in debt...? |
| I really want to help her but don't know where to start. She works full time, 55 hours a week bringing in £1460 a month. Her out goings are around £2278 a month. What she does is keep using ... |
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 Macys credit card!? |
so i am 18 years old
and i recently applied for a macys card..
they definetly sent me a letter in the mail
declining me of the card. They said it was because
i provided "I... |
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 Can I leave the country and not pay my credit cards? |
| I am moving to another country. I have two credit cards which i cannot afford to pay. can I just stop paying them? will I be arrested if I return to the Uk at any time? Will my credit score be ... |
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 What happen's to a person's financial (i.e. credit card) debt if they commit suicide? |
Additional Details
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| i have bought something on ebay just wondering if it doesnt fit what rights if any do i have if any as its for ma kid and not all things fit her thanks for ur ... |
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| what is to be written in a promissory note?... |
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| I want to buy something, but it says I have to verify by credit card and I don't have a credit card...so is a credit/debit card requried to buy something on Ebay? Thanks!... |
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| When I usually return things to a store without a receipt, I usually am able to walk away with either cash or a gift card, and it's always what I paid for it unless whatever I bought went down ... |
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 Please click if you know something...? |
| i need money. but, i live out of town and i am too young to get a job. when i clean around the house i get 'its expected from you' . is there anyway to earn some money?... |
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 What are good credit cards for my first credit card? |
I am a newly eightteen year old and my mom has been building my credit history for the last two years, so i have phenomial credit history.
I am looking for a credit card that has a good rewards ... |
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| Im not stealing it hes my son ...I have terrible credit I want to start over....How would I get caught?... |
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Lindsay B | How do I re built my credit? |
i am 21 years old and have a credit score of 600, is there anything i can do to improve it? |
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$m¤¤v¥ £¤¢¤
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In order to improve your score, it would help to know what makes up your score:
1. Payment history- 35%
2. Total debt owed vs. Available credit- 30%
3. Length of time establishing credit- 15%
4. Types of accounts established- 10%
5. Inquiries and New Accounts- 10%
Even though you mentioned your credit score, you really didn't go into detail about the kinds of accounts you have and whether or not they're in good standing, so it's hard to pinpoint what areas should be worked on in order to improve your score. I can give you some basic tips on what you should do to improve your score:
1. Check your reports for any inaccurate infromation and duspute them with the credit bureaus.
2. PAY ON TIME. Like I mentioned earlier, payment history makes up 35%. If you have trouble paying on time, take a look at how you pay. It would be to your advantage to open a checking and savings account if you haven't already and take advantage of the online billpay feature if it's offered, if not there are services like CheckFreeWeb that can pay your bills for you for a small fee ($4.95). I posted a link below
3. Another thing is on the accounts you have in good standing is that to try to keep the balances on any open credit card accounts under 25% of the available credit. For example, if you have a $500 limit, the balance should be no more than $125.
4. You should have at least 3 open revolving (credit cards) and 2 installment (auto, mortgage, personal loan, sutdent loans, furniture, or appliance loans) for a balanced mixture of credit. Secured credit cards are easy cards to apply for simply because a deposit is used as collateral to get a credit line the same amount of the deposit. Usually after a year or more of paying on time and keeping the balance low, the card coverts to a regular card and the deposit isn't needed anymore. Department store cards are also easy to get, a suggestion would be to only apply and open one. I posted links ot several banks that offer secured credit cards
5. If you have any items in collections make arrangements to pay them off. Depending on how the accounts in collections are, you may be able to settle to get them removed for much less than what you originally owed. I posted a link that explains this in much more detail |
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amy-marie r
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if you have outstanding credit card debt, pay off highest rate card first then do not close the account but call ask for a credit increase then now this part is hard but you can do it... put your card on in a ziplock fill with some water and put it in the freezer until all the other cards are paid off. then work on the next highest card, you still want to be sure to pay your minimums. also call your card companies every 3 months and ask if you can lower your interest rate and depending on your self control. if you can handle it ask to increase your credit line as well because... how credit works is your score increases with the precentage you have available in your credit ex you have 2 cards and the total limit is 5000 but you charged 300 and then say you pay it off each month the credit will be better now but say you open a new account and then the credit limit is 6000 and you have an emergency and end up not paying it off and carry a balance of 200 the credit rating score may stay about the same because the percent of the total available is the same as before.
see if you can do anything to improve your score by clearing anything on your credit reports that looks like a bad mark, call the company who is on the reporting ex washington mutual mastercard. ask them if there is anyway of getting the bad mark removed.... does a payment need to be made? etc. then ask how long the mark remains? before doing this though if there is anything that was never paid , there is a statute of limitations on these and you can refresh the statute if you can to make resititutions so check the laws in your area and the state the company is out of and do not contact if it will clear up soon. google improve credit scores for more tips |
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TMS
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Revolving debt has the highest impact on your credit score. Typically lenders like to see it under 50% of your available balance. However, I have seen keeping it below 30% has an even greater impact. Of course make payments on time. It is good to have a few different types of tradelines i.e. Installment and revolving. I actually paid off all of my credit cards before purchasing a home and left them with 0 balances. My score dropped 40-60 pts. When I spoke to my credit vendor. They stated that the credit agencies had nothing to rate me on, hence the score drop. So I had to go out and incur more debt to raise my score...what has this world come to. Good Luck! |
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beauty s
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just keep paying your bills on time and never go over your credit limit |
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mister ed
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time and hard work -- always pay time and work to reduce the outstanding balances. |
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ed b
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Since credit scores are also a function of time, have a long credit history. Besides trimming down the # of credit cards you have, try to keep some of the older cards you have.
I also read of a company called instantcreditbuilders.com
that helps boost credit scores for a fee if you need your credit score boosted sooner rather than later. |
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brandi w
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i work for a loan office and the easiest way to improve your score is to not apply for credit everywhere and keep some small loans open long enough (6-8 months) to show up on ur credit! everytime someone pulls ur credit it drops ur score a couple points! |
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Michael T
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I hate debt also. In fact, last year I decided to repair my bad credit (FICO Score = 540) and researched a lot of companies because my friends told me there were a lot of scams out there. I found a great site and they offer many solutions ( http://www.your-credit-solution.com/creditsolutions.htm ) and now my credit score is 746. I was able to accomplish this for less than $100. |
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Martini Babee
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You can register on this website for free and it usually helps improve your credit score up to 10 points in 30 days:
https://www.optoutprescreen.com/privacy.htm
This is the companies all the three major credit repositories report to. Go to the bottom of the page click on opt out button. Mark the circle- electronically opt out for 5 years. What this does, it shows the repositories that you don't want to be prescreen for loan offers as such it improves your credit score. I'm a mortgage loan officer, I've seen this work several times.
1) If you have any recent collections within the last 2 years, pay them off and have the company report them paid with the credit bureaus.
2) Pay down any credit cards below 50% of the credit limit.
3) Keep all payments on time or pay way before the due date.
4) If you need credit and have $200.00 - apply for a secured credit card - everyone is approved with:
http://www.landing.orchardbank.com/media/disclosure?cmd_lpage=&indicator=OB005&media=O2PS20A200706021692EN
5) Don't go applying for any unneccessary credit - inquiries on your credit bring down your score.
6) Update any incorrect information on your credit report - address, phone number, work information, etc. |
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traffic814
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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 |
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lady
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1. Do not let your bills sit there for a long period of time. Pay it as soon as possible. Your credit score goes down when you have late payments.
2. Try to close accounts that are not in use. The less credit cards or loans you have, the greater the chance for your credit score to bump.
3.Try to pay a little more than the minimum amount due. |
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twv23512653
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Follow these simple guidelines to help restore and improve your credit score.
First, make sure all the information on your credit report is accurate.
Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.
Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.
Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card. |
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Suzy
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Always pay your bills on time. Close all but one or two accounts. Every credit account you have open is considered a debt potential--even those with a zero balance. |
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