 Harassing phone calls- Do I have any recourse? |
| My husband and I moved to a new state 4 months ago. Since our phone number was activated, we have received an increasing number of phone calls from debtors and collections agencies asking for two ... |
|
 How did your credit get ruined? |
| I was 19 when my was destroyed. I needed an emergency surgery and didn't have insurance. The "doctors" couldn't figure out what caused the pain, but told me I have endometreosis ... |
|
 What is the best way to start building your credit. I'm 18.? |
| I just turned 18 in June. I was told the only way to start was by getting a department store card and then moving on to bigger things. Well, I applied for a JC Penny Card and was not approved because ... |
|
 Why can't I get a credit card? |
| I see people all the time who have 25,000 in debt for school loans or people who get pre-approved credit cards in the mail on a daily basis who have NO business having them. I am a 25 year old male, ... |
|
 I have no credit history. Should I get a credit card? |
| As the question states, I have no credit history. There is no way I can get someone to co sign for a loan for me. I was just wondering if this was the best way for me to get a credit history if I use ... |
|
 I got a letter from Capital One...I think they are suing? |
| I defaulted on my Capital One Card less than a year ago. I recently moved, had the post office forward my mail but unfortunately a letter from Capital One went to my old address at my parent's ... |
|
 Do Credit Unions carry out credict checks?? |
| Hi just wondering if anyone knows if Credit Unions carry out credit checks. I doubt very much that they do as they are supposed to be there to help people. I applied for a loan on Saturday and i ... |
|
 Payday loans yes or no.? |
| Well it's almost christmas. If you were short on cash for christmas, say around $500.00 would you consider a payday loan yes or no and why?... |
|
 I need help with my debts? |
I HAVE LOTS OF DEBTS THAT I WANT TO GET RID OF BUT I DON'T KNOW WHERE OR WHO TO ASK FOR HELP!!! SHOULD I GET A DEBT CONSULTANT???
Additional Details
no i don't own a house and ... |
|
 How do I get my credit score? |
| I went to annualcreditreport.com and did my credit report, but how do i get my score? Can I get it for free?... |
|
 Finding a home loan when my credit is bad, where can I turn??? |
| My credit is bad because last year my husband became ill with liver cancer. We have been trying to get back on our feet. we can afford a mortgage but no one will give us one because of our credit. T... |
|
 Has anyone ever heard of this credit card? |
| I recieved an email credit card offer for an Imagine Gold MasterCard...issued from 1st Bank of Delaware...has anyone ever heard of this card and if so can you please let me know..... |
|
 If I have no credit, will I be approved for a credit card? Also, if I am approved, when will I find out? |
Will I just get the card in the mail? How long does that usually take?? Also, will I be able to use it as soon as I get it?
Sorry for all the questions, Im just really curious!!! I would ... |
|
| Whats a good beginner credit card? |
| i dont have any credit history and i want to start building up credit. whats a decent card i shuld apply for that wont change with 200 bucks in activation fee's.... |
|
|  |
betty biscuit | How do u get a credit rating if u cant get credit? |
e.g an 18 year old. living at home, therefore no bills etc |
 |
 
CCTCC
|
You don't need credit. If you can't pay for it with cash, you don't need it. |
|
Mik
 |
Can ask your parent to co-sign for a very limited credit card. Purchase an item every month and pay it off every month. Soon you will have a great start. |
|
Lianne
 |
It's hard to establish credit but not impossible. There ar tips for building credit from scratch here http://creditwisdom.blogspot.com/2006/09/building-credit-from-scratch.html |
|
Health Freak
 |
manage your bank account well, making sure that you do not incur bank charges.
If you have an overdraft, make sure you keep within it and credit the account every 30 days. |
|
alatoruk
|
you need to get a pre-paid credit card, like the one capitalone do.
low credit limit and something (if not all) up front, but you use it for 6-9 months, pay it off regilously and you get a credit history.
a good history is about paying on time, so perversly the more credit you have that you pay on time, the better your rating will be.
no credit = no rating, lots of credit = lots of rating.
they key is to build it for these few months, then the credit card companies will be offering you everyone under the sun |
|
john_banana
|
Get a credit card from either your own bank or from Capital One, Vanquis, Aqua etc. Don't revolve any balances on it because the interest rate is huge. Keep the card(s) for 6 months then shut them down. You now have a history of clean, well managed and settled credit accounts. Away you go! |
|
carlismycat
|
start with a secured credit card. You dont need credit to get one (as far as I know from personal experience),because you are forking over the money for it in the beginning. You give the bank, $300,$1000, whatever is their minimum amount,and they put that amount away where you can't touch it. Then your credit limit is the same amount as what you gave them. As long as you make payments on time every month,and keep your balance(amount that you've spent) below 20% of the total limit, your score should go up within the next two months,provided you dont already have too much negative history. I have some negative history and my credit was so bad that I could not get eany credit. I got secured card,and my score has gone up alomst 100points within the past 4months. I can now buy a house,when before this I couldn't even buy a house and people say its easy to buy a house. Also do as much research on credit as possibly in the mean time,just as the previous poster said. Tske that advice. But you need to be establishing some kind of pos credit in the mean time. They will report your pos feedback to all three credit places as long as you follow the rules,pay on time,and keep the spending to a minimum. If you go over 20% of your limit,you may ruin your credit,thats why I say stay below that. If your limit is 500,try not to spend more than $100a month. also dont go aplying for cards everywhere,or credit. Go do it at a bank. and keep it at a minimum. Everytime someone checks your credit by you applying for it, it lowers your score. |
|
Mr Credit Card
|
"Eg if you are 18 years old"
- if you are going to college, you will soon get student credit cards offers from major credit card issuers. Being a college student is the best way to build credit because most student cards have no annual fee.
- go to your bank and ask your bank officer to help you get a secured credit card. You need to put a security with the bank, which earns interest, and your credit limit will be determined by our deposit. Make sure the card reports to the three major credit bureaus. |
|
johnnylakis
 |
Get a copy of your credit report. Apply for a credit card. Let us know what happens. |
|
Krishna
|
Prepaid credit card. |
|
individual_boy
 |
Also it can work negatively. If you have bad credit - u dont pay loans, bills on time. You get bad credit. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 31 minutes(s) ago
| | | |
11 | 39 minutes(s) ago
| | | |
11 | 54 minutes(s) ago
| | | |
11 | 1 hour(s) ago
| | | |
10 | 4 hour(s) ago
| | | |
11 | 9 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
11 | 2 day(s) ago
| | | |
11 | 1 week(s) ago
| | | |
11 | 3 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
