 Question about credit and credit score? |
| My spouse and I have pretty bad credit right now. We owe almost 14k (all credit cards) and both have poor credit scores. However, we have come into some money and are planning on paying off all of ... |
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 Where do i report banking fraud id theft to someone is trying to open a transfer account with HSBC in my name? |
someone is stealing my I,D to open fraudulent bank transfer accounts.If i respond to the bank number it will activate the fraudulent
account how can i stop it,i cant't get in touch with the ... |
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 How can a teenager get a credit card? |
Additional Details
Can I shop online with a debit card?... |
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 Credit cards? |
can u pay ur credit card bill with a money order?
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what is the best card to get for just turning 18... |
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 What should my disabled mom do about her past due credit card debt? |
| My mom has a past due credit card blance of $3,100 from one credit card. She got it right after my Dad passed away and for the first year she kept up with the payments but after that, the credit ... |
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 I have a credit card (balance was 10,800) that was just turned over to collections....? |
The collection agency is telling me that they/credit card company will liquadate my assets if I can't pay balance in full. I dont have that much money and can't pay it in full.
Does ... |
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 How can i find out if there are any credit cards under my name?? |
| i was wondering how id be able to know if someone has a credit card under my name. my social security number was on top of my table in the lving room and i had a small gathering and so i would like ... |
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 Should I pay my credit cards minimum amount or should I fully pay it off? |
| Every month the minimum is about 15 dollers and I pay that off, making the full amount easier to pay in one shot. Should I just keep paying it off little by little or should I do it all in one shot? W... |
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 What is the incentive for merchants to let you pay by credit card? |
| for every transaction taht you pay the merchant with a credit card, the credit card company charges them a fee. why would merchants agree to letting you pay by credit card then, when they have to pay ... |
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 I Owe 5000 on a CC, with interest, Can I really Be Sued for 10,000? |
| I've been avoiding this and it's my fault. I checked out my credit report and aparently now I owe them 10,000 after they've added on interest! What do I do? I have no job, I own ... |
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 Why are my credit card interest rates going up? |
| it's going from 9.99% to 24.99% i've never missed a payment in the 3 years i've been with them and almost always paid more than the minimum payment. i've never missed any of my ... |
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 Whats Better for credit scores? |
| I paid off my balance today and iam wondering if carrying a balance or paying off your balance is better for your credit ... |
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 How to get a loan if your credit history is bad? |
| I want to buy a property or mobile home, sell my property first but need a loan, mortage how can i apply if My credit is bad and who to go to who is reputable UK ... |
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 Should I...? |
| Should I...pay off both my credit cards a little at a time, at the same time, or pay one off, then the other? Which is better for my credit?... |
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 Is Walmart open on New Years? |
| I've looked around and couldn't find any answers. I was hopeing one of you guys might know.... |
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 What would you do if a credit card company sues you? |
| I have recieved a letter from the court that a credit card company sues me and had made a judgement about me. This is the first time that ever happened to me. I dont want to go thru all that messed ... |
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 Im feeling so helpless lately, borderline suicidal...? |
| Im not posting one of those whoa is me type questions but it seems like when it rains it pours - Ive never had just a couple of issues in life it either goes from good to very very bad or vice versa, ... |
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jesscole9573 | How do i raise my credit score easily? |
I have never owned a credit card but i cant get one due to bad credit so how can i raise my score? |
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chin h
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Š”redit repair workŠµd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - freecreditreport.hotusa.org |
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justlovelcr
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Check your credit reports you can get em annually for free- Dispute anything on there that you disagree with./ You should also check your credit scores. Open a bank account. they may be able to offer you a cc. Dont charge everything-that is ridiculous. Pay more than the amount due always. Getting a secured cc can also help-check into that,. but you actually have to put the money on it and stuff---look into it- its a good start. |
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stephanie
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Bad credit takes time to heal. If you have any sort of credit like a car loan, a house loan, a bank loan, a school loan etc... and you continue to pay on time then in due time you will increase your credit score.
If you want a credit card now then you can possibly be approved through creditors like Providian and Capital One. They usually help those with lower credit scores. Keep in mind though, economy is bad right now and all banks are tightening up their belts as far as giving credit. That may also hinder your chances as of now getting a credit card.
But Good luck and be patient! |
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antdu
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How do you have bad credit? What caused it?
First things you need to do is gain a copy of your credit reports (Trans Union, Equifax and Experian). Ensure all information is correct. if there are errors, begin researching the errors, making calls and writing letter to fix them. Report all errors to the credit reporting agencies and have the errors noted and begin the dispute process with them also.
If you have negative information on your report, you need to play the waiting game before they come off. Most come off in 7 years (charge off et al). if you owe people money, make deals to have the money lessened and pay the debt.
You r debt to credit ratio also comes into play. Try to receive a CC for people who have less then stellar credit. Capital 1 has these cards (at least they did). You will pay a fee and then will be given a very low credit limit. Be responsible with the card(s) and you will increase your score. DO NOT APPLY TO MANY CARDS! Every time you allow a company to run your credit, your score drops. if you run a lot of the same type of inquiries, it will drop even more. 1 or 2 cards will be sufficient. Use them a little and gain pay them. Get a good credit history with your cards and you will see your score rise.
It does not happen over night. |
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sassycassie
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They have credit cards for bad credit. The catch thou is that they have annual fees and most make you either pay deposit or make charges too your card that you have to buy off before you can use whatever credit limit they give you. Unfortunately this is the only way i think you can help get your credit up, besides time. |
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y n
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they are doing you a favor by refusing you credit. you don't want it. use cash . if you don't have the cash go without . we all need to live within our means. |
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Mumble
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Pay some bills.
Do you pay for your own cell phone?
Buy something that requires a loan. |
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robert r
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Never payoff your balance. just make the minimum payment every month on time like clockwork and watch your credit score go through the roof. |
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Zach
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get a credit card with a high interest rate and charge EVERYTHING. then pay it off every month so you don't have to pay the interest. that's what I did.
you can also get a car loan or school loan for college. these two things help your credit score just by having them and paying them off on time. In the case of the school loan you don't pay it off until after you graduated and have a job! |
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