 I owe a credit card and they are threatening to go into my account and take what I owe them? |
| They are threatening to use the account no# that I use online to pay their bills online, now I'm behind and they said they will just go in and get it; is that legal?... |
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 Why am i being declined credit when ive never had it? |
| I have just turned 18 and keen to build my credit rating..I privately rent a property and have a good household income... I was advised to get a store card or credit card and pay the balance off ... |
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 I'm being taken to court over a credit card that isn't mine, what do I do? |
| This company claims that I owe them 3K on a card I never signed up for. I asked for proof that it was mine, because I can't find any records of it with my other cards (all paid and canceled ... |
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 About credit card limit ? |
| So my credit card limit is 500 bucks. Bank of America. Let's say I use up 500 bucks in one week, and I pay off my balance right away. Does that mean I will get 500 bucks limit again as soon as I ... |
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 Received a letter from debt collection agency for old bill what should I do? |
| The bill itself is student overdraft which I took out in January 2003 the bank sold this to this collection agency (according to them) in 2006. I have so far made no contact, received the letter this ... |
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 With bad or poor credit, can I get a home loan if I put down alot of $$? |
| In other words, would a bank look past my credit if I put down more than half of the price in cash??... |
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 What happens if I'm approved for a credit card, abuse it, and never pay? |
| What are the legal consequences of this? the credit limit is $1,500.00.... |
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 Should I co-sign a loan for my boyfriend?? |
| My boyfriend is having some finacial problems and we are working on buying a place of our own in the near future, but he has some out standing bills. Which need to be paid off. So he is able to get a ... |
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 I have recently had a bankruptcy discharge. I want to buy a townhouse. Do I have a chance at all for a loan? |
| I have heard that there are loans for people out of bankruptcy, but I don't know of any company. Before this, I had perfect credit. I am desperate. I need some good advice. Thanks!... |
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 Which is better 3 or 2 credit cards? |
My available credit on my credit cards are
$4,000 $1,200 $1,500
The one card I am using is paid in full by the due date. Should I close one? I am thinking of closing the $4,000 ... |
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 Do you think i should file bankrupcy wheni was 15 my mother got alot of credit in my name about 20000 not mine |
People say report her but she is my mother and i think im just gonna file bankrupcy im looking for someone who has filed and what life was like after wards i hope that is enough info thanks
A... |
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 My credit score is 627...? |
| I have never missed a payment on any of my credit cards but i have some medical bills that went to collections. With this score would i be able to get a car or a house some day. How does this compare ... |
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| Would a child have bad credit when they grow up if someone used their information on bills? |
| My friends ex used his daughters social security number on a cable and telephone bill totaling up to about $1,500. Will she have bad credit when she grows up?... |
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 I am a student who needs a car loan. I have good credit.? |
| My car was stolen and crashed, and insurance is giving me about half what I need to buy a decent used car. I am a graduate student whose source of income is student loans. I have great credit yet I ... |
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 I have bad credit. Where can I get a loan ? |
Either a loan for $5000, or a consolidation loan for about $20,000. I have no assets, no security. Need a monthly payment I can afford.
I always gave in to my ex-wife's whims. Got ... |
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 I haven't used my credit card for almost a year.. yet the balance doesn't look much different!!!? |
| I was getting into more debt than I wanted so I consolidated my cards onto one with 0 APR and have been slowly paying at it for the past year. Yet the balance doesn't look any different!!! I ... |
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jess | How do i rebuild my credit history? |
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johnny b
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i'm in the process of doing that. what i have done is get a credit card first. (capital one is good for bad credit people) use it for a monthly purpose. (mine is gas becasue of my line of work it is also tax deductible). Then have it set up to automatically pay every month. once that happens, you'll get offers from other cards and do the same thing. for instance cell phone bill, or car insurance. make sure to do automatic recurring bill pay for the full balance so it doesn't mess your credit up more than it already is. and also, you don't have to remember every month to pay. |
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Spike
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vague question.
pay off collection accounts - pay in full, don't settle
pay off debts - don't pay anything 30, 60 or 90 days late
use 1 credit account on a montly basis and pay it off at the end of the month - really not that important that you pay it off, but rather it's important that you are using it.
Basically, pay your bills on time and wait. Also, stop applying for more credit - it doesn't help it just makes things worse.
things that will mess it up more
1. payments 30, 60 or 90 days late
2. collection accounts
3. charged off accounts
4. high outstanding balance in proportion to the credit limit
5. too many inquiries or attempts to gain new credit
a banker will want to see a good credit score and probably 2 years of steady employment and steady residence
also-they will look at your debt/income ratio
take all of your montly debt payments - rent, credit card bills, etc...exclude cable, power etc.... and divide it by your gross montly income then multiply by 100 - Get that number under 42 - the lower the better |
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bigleybill
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Stop using credit cards and make a list of all the creditors you have. Figure out how much you can pay them each month and do so. Never be late on a bill, that is one of there main considerations when grading your credit. If all goes well you can turn it around in a year or two. |
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fire_side_2003
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The best advice I can give you is to get completely out of debt. Don't what ever you do pay for a debt cleaning kit, because the only debt or errors than can be legally cleaned on your credit report are inaccuracy's. Don't go to a debt consolidation agency, basically when you go to buy a home you will be viewed on the same level as someone that has filed chapter 13. Read anything you can get your hands on by Dave Ramsey. |
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prnz16
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may off bills and remain current for the next 6 to 12 months. |
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Liteson
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I'm in this situation right now and have received some advice that might help you.
I filed bankruptcy two years ago. I didn't know that because I bought my car five years ago that the fact I've never missed a car payment doesn't even show up on my credit report because anything I started paying on before my bankruptsy gets erased.
I can't get a gas card.
I was informed that the only way I can improve my credit is to make a purchase, like a car. There are loan companies that will give me money to buy a car, but they'll charge me super high rates. If I make payments on time for six months I earn points on my credit score and so the loan company will consider refinancing, giving me a better rate.
it sucks to pay higher rates, but you got to bite the bullet. |
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Visira977
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Pay off all your debts. Try not to get your credit checked continuously. I heard that this makes your credit bad. |
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Walden
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Render unto Caesar what is Caesar's.
Translation: Pay yours bills. |
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Freakalicious
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dude this question is asked every single day, why don't you look at some of the older answers... |
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peach31522
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To avoid getting into financial problems in the future, you must understand your flow of income and expenses. Some people call this making a budget. Others find the term budget too restrictive and use the term spending plan. Whatever you call it, spend at least two months writing down every expenditure. At each month's end, compare your total expenses with your income. If you're overspending, you have to cut back or find more income. As best you can, plan how you'll spend your money each month.
You need to have at least 6 month of payments on time to each of your creditors, keep up the good work and it shows good faith, your plan to make it your priority to increase your credit worthiness, and at the same time lowering your loans, credit card balances, do not charge on these accounts and do not refinance during this time.. it will take another 18 months for this cycle to complete. At the end of 2 yrs. with not new accounts and all accounts you have are being paid down or off. Your credit score will go up, you will have at that time proved your credability. If you plan on a large purchase such as a new automobile or home, this proceedure will aide in your securing your new loan or mortage. |
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Ralfcoder
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Pay your bills on time every month, and pay more than the minimum amount.
Don't have a lot of credit card accounts open. You only need 2 or maybe 3 at the most. A lot of people only have 1 card. Don't play the game of having multiple cards because each one offers a different benefit - cash back, airline miles, educational points, etc.
In general, don't bother with the "cash back" kind of cards. They charge you higher interest rates up front in order to get the money that they send you. Why not just pay a lower interest rate, and have the money stay in your pocket in the first place? |
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Janice 10
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The best way to rebuild credit is to pay your bills ON TIME and pay a little extra and NOT carry UN necessary debts. Pay your bills with one good credit card and then pay off the balance off every month. This includes paying you phone, cable and any other bills you have. You credit rating will be rebuilt and in great standing in 6 to 12 months. Usually lenders check back on the past 6 months, this will help you obtain a home loan and auto loans at a low interest rate. If you have high debt now go to consumers credit counseling counseling, they are a non-profit agency which helps consumers to repair their credit. They work with your creditors and will lower the bills and you pay one monthly payment to consumer credit counseling, until it is all paid off. This is also a great way to rebuild your credit. Best Wishes! |
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Panama
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Get your credit report so you can see everything on there.
Old stuff that you haven't paid off contact the company about a payoff settlement. It's generally half or less on the total you own. Get it paid off.
NOTE: You will be taxed on the write off amount when you do your taxes.
Make sure after you get the pay-off completed the company changes the status to all three credit reports.
Anything over seven years should fall off your report also. Get with the credit report people to pull those things off your credit. |
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pureinsomniac
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well you could make the first payment , that might help |
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island girl tell it like it is
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call the creditors and make payment plans, sometimes especially if the bill is old, they will reduce the amouth you would have to pay. Make sure you follow through with your payments. After you finish paying one bill off, they payments you would have make for the paid bill, add it to a current bill so you will pay current bills off sooner. Make sure you get something in writing showing your balance and what you have agreed to pay from the creditors. Keep record of your payments. When you have finished paying a bill make sure the creditor takes it off your credit report, or report it as being paid. If you get money back from your taxes or any extra money, make larger payments on your outstanding bills. don't ever co-sign for someone. And finally, don't get anything you are not absolutely sure you can pay for. |
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GTW
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you could start rebuilding your credit by getting a credit card with a low limit and make your payments on time. WWW.fastcreditcardapprovals.com has all major credit cards with the lowest rates and great rewards, Good, bad or no credit they have the right card for you. |
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Kate O
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if you get a credit card such as VANQUIS (they give anyone cards) then spend an affordable amount on it then pay of the FULL AMOUNT at the end of the month, do this for a few monthes and it should improve your credit!
But seriously only spend what u can afford to pay coz the interest is high & you'll just get worse credit if you don't. |
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†Gracie â€
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Make sure all debt is paid. Get rid of credit cards. After 7 years your bad debt will be off your credit report. Keep your report in good standings by paying on time your car, mortgage, etc. Do not let anything go to collections. Then your score will go up. |
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IJToomer
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I did it by paying every spare penny I had to old credit cards and student loans (they were either in collections or defaulted). Let me tell ya - living on spaghetti and Ramen noodles wasn't fun - neither was stealing quarters from my brothers change bucket to be able to ride the bus to work.
Once I got the credit cards paid off, and the loans out of default, I bought a car.
Once I paid off the car, I bought a house.
I never pay late on anything - I did run into a rough patch a few years ago (loser boyfriend who sucked me financially dry and didn't care about his credit, or mine - he got the boot) so that set me back.
I probably started concentrating on getting out of my bad situation about 8 years ago. I think now it is pretty decent. |
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