 How can I get them a debt companyof my back? |
| I have been paying a debt of at £20 a month as that is all I can afford at the moment,I'm registered as disabled and unable to work,but they say this isnt enough, even though its been fine for five ... |
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 Why was I refused a credit card? |
| I just found out that my application for a bank of ireland credit card has been refused. Im 19 and just got my first full time job so I decided it would be a good idea to get my first credit card, I ... |
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 I am receiving mails saying that I have won million dollars through random selection of emails.r they true? |
| If I want to claim the prize, I need to pay Rs20 -25thousand to receive the parcel containing the amount. Is it good to pay the money for the parcel? Do I receive the real money? Anybody is there who ... |
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 Do I have to give debt collector my bank info to work out payment plan? |
| I received a pre legal notice from Midland Credit management the other day. It says they've been contacting me, even though they haven't in over six months. Anyway, one option it says is ... |
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 Easiest credit card to get? |
| which credit card companies are more know for accepting practicly anyone? someone had told me orchid but they will only give me a secured credit card. im not looking for one that i have to give 300 ... |
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 I need a 3000 dollar loan asap i have a steady job but no credit history please help me? |
| i have applied to alot of banks but i have been rejected and im not looking for a payday loan. also i dont have a co-signer i just want a legit source that would help me out...... |
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 I need advice on my cleaning up my debt? |
| I have $8000 in student loans in default, $800 in charged off credit cards and about $2000 in other charges offs....I know this is horrible so please dont insult me as I am really trying to get this ... |
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 To dispute my credit report can i just send a letter stating that i dispute all items listed on my credit ? |
| report and i would like to have them looked into....there is always something incorrect and due to this i am not even able to req a copy of the credit report. so i would this type of letter work?... |
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| i have got an old debt from a fruit machine addiction.. £9000.! i have kicked the addiction 3 years ago but now i cant seem to get rid of the debt. My loan finishes in a year so not to worried bout ... |
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| Whats the easiest way to buy a car with bad credit? |
| Ive got no down payment but make plenty of money. They wont sell me a car. WTF?... |
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 I am wondering if anyone out there knows how to get a collection agency to quit harassing you 12 times a day.? |
| These people from Applied Credit Card call my son at least 12 to 14 times a day, 7 days a week, and they are literally harassing him. They know his financial situation, but they continue to call and ... |
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 Is bankruptcy a good idea if your debts are spinning out of control? |
| Due to ill health I cannot work. My husband on a very low wage £600 per month in Cornwall. Our rent is £480 a month alone plus £40 electric on top. We don't own but rent, with no hope of ... |
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 I have a credit score of 651. Should I get pre-approved for a house now or after I get married next month? |
| My credit score just recently jumped from a 620 to a 651 so I'm eager to apply for a home loan since my score is a whole tier higher. I'm getting married next month and don't know ... |
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 Is a 637 an okay credit score? |
How can I make it better. I only have 1 account. which is my car. I got pre-approved for a credit card, but then when I applied for it online, I was declined.
I would really like to ... |
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luvbrum | How do i get credit? |
im 24 yrs old and had nothing on credit but still cant get a credit card they all say no when i havent had credit before so iv got no bad credit. iv got a currant account and thats all realy |
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swatchwatch71
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You don't want loads of debt. It is BAD news. It means you are paying over the odds for everything you buy. Why pay a total of £15000 for a £12000 car etc etc. |
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Lady Claire of Current Events
 |
Because you havent had credit you dont have a credit rating. This means to get one you have to get credit.
You are better without any debts and credit cards are an extorinate way to pay for things |
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gav
 |
You need to start off by getting low value items on credit - maybe you could get a catalogue account with a £100 limit, use it a couple of times and always pay it off in full when you get the bill.
This will give you a credit history, which lenders want when deciding to give you credit cards.
Secondly, make sure that your name is on the electoral roll. They also check this to see if you do really live where you say you live.
Thirdly, get your credit file from Experian and Equifax. These are the 2 main companies that collect the data. Sometimes it is incorrect, leading to lenders turning down applications. You can correct it. Each report costs £2, and details are available on the websites of those companies. |
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alatoruk
|
you have never had credit, so you have no credit history for lenders to see whether you are a good payer.
there is your problem. until you have had credit you cant get credit. contract mobile phone might help. loan from bank might help.
catch 22 - each credit application knocks you back as well, so the more you apply for the less likely you are to get. |
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Rarity
|
Be careful... but one of the best ways to increase your credit rating (which is essential for when you buy a home) is to get store cards. For some bizarre reason this increases your CR. One of the dodgy things about credit is that your address could have a bad rating - someone who lived there before could have become bankrupt - this has an effect on you. My dad got into debt years ago and my sister couldn't get a Halifax mortgage - so stupid, but true... |
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RIVERKID
 |
First, be sure that's what you really want. You need to be really careful. But if you really want it, start by getting a small loan, that you don't really need. Make sure you make all the payments on time. Then use the credit from there to get another small loan. It'll take some time, but you'll get there. |
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sarah
|
thats a blessing in disguise xx |
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beauty s
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get a retail card like Macy's or a secured credit card from a bank |
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stephen j
|
hi, i ***** get credit as i had no credit history was always bein told u need to av credit b4 u can get credit then i found a solution apply for a credit card with capital one APR 39.9% even tho its high i paid my balance off in full each month no iv got a great credit history |
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James
|
Yes there are other options.
I have a list of some good websites offering Credit Cards.Its a policy voilation of yahoo if i post any link here.
Just mail me at solidoffer11@yahoo.com with subjet- Credit Cards . I will send a link of best website where you can find best Credit Card offers,tips and resources.
Best wishes |
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jack
 |
i think that the below website will help you to find the right solution about all your doubts. |
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tindomerel0507
 |
if you are still in school you may be eligible for a student credit card. those typically do not require prior credit history. if you are not a student, then i do not know what to tell you. |
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sharp m
|
"Get a Rewards credit card. Reward credit cards reward you when you spend on the credit card. Normally, you can collect rewards through 3 ways.
* It involves earning cash back on the card, it depends on the amount you spend.
* Next one involves giving points to the customers. They can be redeemed for gifts like cosmetics, shoes, water heater, mobiles and other goodies which the credit card company offers.
* The last method of reward is providing airmiles. Airmiles are highly popular reward, as many customers like to redeem them for free flights or flight upgrades. Whatever type of reward credit card you opt for, carefully note the amount or rate at which rewards will accrue and also read carefully other terms and conditions.
" |
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$m¤¤v¥ £¤¢¤
 |
If you don't have one already, you should open up a checking and savings account. Though it won't directly build your credit, it will show that you have a way to manage your money.
Then you might want to check to see if where you bank offers low limit or secured credit cards. Bank of America, Wells Fargo, Orchard Bank, are some that offer secured cards if where you do your banking doesn't offer them. I posted the links to apply directly to the cards below. They're the easiest to get becuase you have to deposit upfront the same amount in a savings account. For example, if you depost $500, you would get a $500 credit line. If you pay the card on time and keep the balance low or 0 preferably, you'll get the deposit back usually after a year, with possible interest. My advice would be to make small purchases ($20-75/month) that you can pay off on-time, in full every month. I would only use the card in emergencies. And you may want to increase the credit line every 2 or so months, if possible.
Another thing is to see if a close friend or a family member with good credit can add you to their credit cards as a authorized user, but you don't get a card. They're only adding you for credit reporting purposes only. Make sure that they make sure that the credit card company reports that account on your credit too.
Lastly, check out this website http://prbc.com/default.php?
If you pay rent, cable, utilities, insurance, day care, phone, cell phone, etc. every month, you can report previous payments from up to 3 years back and current payments, have them verified and scored in a report that can be used with your regular credit reports. Look this site over, there's too much for me to explain, but I feel that this is perfect for your situation.
Good Luck! |
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LBUK
|
I had the same problem. You need to start building up your credit rating. Store cards are easy to get hold of and will immediately give your ratings a boost. Just make sure you only buy 1 or 2 things on there, pay it off straight away and then cut up the card. Contract mobile phones are also a way of improving the rating.....
Will the bank you have your current account with not give you a credit card? If all else fails, there are credit cards designed for people will no credit or a bad credit rating. Check out
www.moneysupermarket.com
for details of these. |
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THE
|
you need to get a loan for something...like a car or home or school. but since you have no credit you need a co-signer which means if you don't pay the bill the co-signer has too. and after you pay off the loan and never miss a payment and pay it off kinda fast then you will have good credit. |
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