 I want to buy a house in Jan. My credit score is 581. What can I do to improve my score and loan qualify? |
Additional Details
I have no credit card debt, all my bills are on automatic pay from my checking account, and my car is paid for. Good income and I have saved 15% for the down payment.... |
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 Was I robbed at Mcdonalds? |
| I cant tell. I tried using my debit card to pay for a meal but it was declined, the guy let me take it out and out it in another 2 times but it was still declined. I went outside and got some cash ... |
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 Is it forgery if i use someones credit card but still pay the bill? |
| i used my roomamates credit card, signed his name, but i had no intent to defr4aud him as i payed the bill in the whole amount. the roomamate still wants to press charges.... |
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 Please reply as soon as you see...............Its Urgent? |
| Someone has to return me some amount of money which was borowed from me months back,but later when he refused to return I filed a case against him but now he is claming that not he but I have to give ... |
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 I am just curious my sister wants me to open her up a bank account in her name but? |
| She has had 2 previous bank accounts she overdrew one for two hundred the other for about nine hundred, I told her she should still try and open another so she can get direct deposite. I really don�... |
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 Should we file bankruptcy if my husband and i are 22,000 in debt. we are 20 and 24, and both have bad credit? |
| we bought a 96 jeep grand cherokee 7 months ago and it no longer runs as of last month. payments are 275 a month, they wont work with us and we still owe 4500.00. we are letting it go back i guess ... |
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 What is the best credit card? |
| I am 18 years old living in Canada and would like to get a credit card but was wondering which ones are the best and why? I was also considering the prepaid card if worse comes to worse but I would ... |
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 Unsecured Personal Loan? |
| Where can I get an unsecured personal loan for $10,000.00, with bad credit?... |
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 What is the #1 thing I can do to drastically improve poor credit? Affected by cancer medical problems? |
1.) i have no credit-low credit
2.) im young
3.) i have more negs on my report than positives
4.) i have chargeoffs from medical times, cancer, anyone for them to over see this?
5.... |
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| I am going bankrupt will I be able to keep my car? |
| I use my car to take my disabled mother to and from shopping and hospital ... |
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 Ive just opened a credit card account ,and ive spent some money? |
| i'm a bit confused about how it works ,what is the difference between the ACCOUN t balance and the available balance,my credit limit is 1500, and i clear it at the end of the month by db can ... |
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 Mom lost my Social Security card? |
I live in California and someone stole her purse and I'm guessing I need a new one since I know people can file for credit cards and what not under my name.
Now I'm underage and I don&#... |
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 Can a creditor call my employer to collect a debt? |
| I recently had a creditor, (General revenue corporation) Call my work to find me, Is this legal?, it really burns me that they would bother me at work to collect a debt. Can I do anything to stop ... |
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 How many people are in serious debt? |
| Just wondered, with all the adverts on the telly for loans, it really seems like a very serious problem!... |
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Alex | How do i build credit? |
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nobodysangel_nobodysfool
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get an entry-level credit card and use it responsibly. Do not max it out. If you don't have cash for something, don't get it with your card. Pay more than the minnium every month (idealy, pay it off in full). Always make your payments on time.
Borrow a small sum of money from your bank as a personal loan just for the sake of paying it back. Make sure your payments are on time.
Use in-store credit cards, (sears, JC Penny, Target, etc) Pay them off in full every month.
Have a checking and a savings account. Keep a ballance in each. Do not overdraft. Make regular deposits.
Make sure if you borrow larger sums of money that you're insured (if you are unable to work because of injury or illness it will make the payments for you) The same goes for credit cards. If something bad happens the little bit extra that insurance costs is so worth it.
Use a cellphone with a plan instead of a pay-as-you-go phone. |
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96.7 KCAL ROCKS!!!
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use credit |
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Tumble
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The first step is to open an account with a bank and after a few months you may speak with a personal banker and ask for his or her help so you can get your first credit card. Use your credit card every now and then and make sure that you pay for it on time so you will have a good credit rating. |
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mysticjava
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If you can get a credit card (it's not easy with no credit), start making small enough purchases on it that you can pay them all off when the bill is due. After a few months of that, pay most of the bill, and carry a small balance into the next billing cycle. Pay it at the next bill. This shows that you're capable of carrying a balance (making them money) but still paying your bills.
If you don't qualify on your own for a regualr card, try to get a co-signer, or try Orchard Bank. |
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tree0707tree
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you can open a bank acct. and pay your bills on time for one year or more and they will give you a credit card! but you have to make sure you pay them on time so you keep good credit! |
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♫Heather Luvs Incubus♫
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get a small credit card and use it to put gas in your car once in a while
Then make the payment on time all the time |
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motyl4u
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You need a credit card and then shopping, shopping, and more shopping. If you need help send me an e-mail. I love shopping :) |
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arya_littlefinger
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get a cellphone or credit card. |
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Baby
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win paying bills, buying things |
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dbrhee
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Get a Credit Card first since loans are hard to get if you are building one (like college students or bankruptcy)
Paid all your bills on time and more than just the minimum.
Loans, Car loans apply as well as student loans |
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parental unit
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get a secured line of credit (usually you have to put a deposit on the crd) and then use is sparingly and pay it off every month. The higher your debt to available credit, the lower your score. Never miss a payment, and never use a cash advance on a credit card. |
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zipman10
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If your employeer has a credit union join them and apply for a credit card. Like mystic said a co-signer is a good idea. |
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fireashes
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pay your rent in time, cell phone (use the post paid cell phone n not the prepaid) bills on time, then you will have a good credit record.
If you have a credit card then pay that on time..If you dont have then apply for one for the begineers. They have very high apr. |
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sunshine1
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By paying your bills on time, and that doesnt mean paying in the 10 - 15 day grace period after it is due,. Also paying your bills before the due date builds up your credit also. |
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yes_its_me
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Buy things and pay for them on time. Get a credit card and charge something. Then pay it off monthly, on time. Do not pay it off early. Buy a car at a dealership with easy financing and pay for it the same way. Do not get obligated for more than 25% of your income and NEVER pay late. Pretty soon you will have the credit that you dreamed of. |
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muchiz5
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you need to open at least 3 different tradelines...
for example ... open a daniel's jewelers account
a credit card
and something else...
you must keep these open for 2 years or more
because what counts in your credit report is consistency
so you must keep them open for a long period
so your score can go up
and NEVER be late!!!! |
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akp683
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1. Opening a checking account and keeping it clear of overdrawals.
2. Get a credit card, make a decent sized charge and then pay it off over a couple of months. Just make sure that each payment is OVER the minium. Then keep it paid down pretty low or keep it paid off.
3. Take out a loan and then pay it back in payments that are more than the minimum.
4. Purchase a cell phone or similar device that requires regular payments.
5. Put bills in your name (ie. insurance, utilities, car, etc) and make sure that they are never late or unpaid.
Building credit takes time. To begin you might want to purchase a copy of your credit report and score so that you know that every thing being reflected is accurate. False information on your credit report can be bad for your credit rating. |
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groverraj
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Get a store credit card. |
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