 What can happen in court when being sued for credit card debt? |
I am unemployed still and going to court over a wells fargo credit card debt of over $4000.00. can they lock me up?
BIG QUESTION #2 WHAT ABOUT COURT FEES+COSTS?
I really need some real ... |
|
 What is a good free way to increase your credit rating? |
| If you want to secure a good credit rating, how is it best achieved?... |
|
 Is having credit card debt okay as long as you can pay it off? |
| I have about $5 grand of credit card debt now which can be brought down to 0, in less than a year, depending on how much I really want to pay it off. However, is carrying large amounts of debt (even ... |
|
 What are some signs that you have been a victim of identity Theft? |
| I'm starting to think that my identity has been stolen. Right now i'm having a hard time getting a job, i have seriously been trying all this summer and no luck. They always tell me they ... |
|
 I lost my house due to bank cups how long dose it take to come off Ur credit ref? |
| as when u put in for a loan my credit is good but because my house is still on the list. till it is removed from list i can not get a ... |
|
 I have bad credit does any one know of any department stores that will give you a card to help rebuild? |
| I have bad credit does any one know of any department stores that will give you a card to help rebuild your credit. Like walmart target ect.... |
|
 How can i resolve this problem? i co-signed a car loan for a friend who is in jail and cant make the car paymt |
| this has messed up my credit record real bad. as the loan is still outstanding. is there a way to get out of this?... |
|
 What is the best thing to do when your up to your neck in debt? |
| I have 2 cars that I got for me and my wife back in 03 but I dont make as much as I used to and have been behind on the payment for the longest time, should I just let them go and have them both ... |
|
 Payments not taken ? |
| I bought a 3 piece suite last year on pay in 12 months. I have moved since I bought them so haven't received any letters from them. I was waiting for the first payment to go out of my account so ... |
|
 Can you request a CC company to lower your available credit? |
And will it hurt your credit?
I have just paid off a 5000 CC but would like to keep the card @ maybe $500. Wasnt sure if you can request it to be done and if it would affect you. If so i will ... |
|
 Is there anyway to find out your credit score for free? |
| i know there are sites that offer this but they all want you put in your credit card info and then you can cancel it if you don't want it but i wondered if there are sites that don't ask ... |
|
 A charge-off got taken off of my Experian report, now debt collector sends notice that I owe, what can I do? |
| Ok, I got my credit report on 07-19-07, and there was a charge-off on the Experian credit report that was over seven years expired (From 1999). I saw that there was an inquiry from a debt collection ... |
|
 How can i fix my credit? |
| my credit is really bad is there any way i can make it better? every thing is wrote off and really old. from 03-05... |
|
|  |
Bethany R | How do you? |
how do you build up your credit. I have no credit history and i have no clue about the whole credit thing. Can someone help me. |
 |
 
guehnwyvare_of_atlantica
 |
Credit is kind of a catch-22. It's hard to get any credit anymore without first having a co-signer, it's really hard to even get gas cards or department store cards anymore.
The EASIEST way to start gaining credit is to get financed and go buy a car. Never finance at the dealership, they will never give you as good of a rate as your bank or credit union will. Dealership financing is for lazy car buyers. Work out financing before going car shopping at whatever bank you hold an account with. Make sure there is no pre-payment penalty on the loan, and double up payments each month to nix the interest and principal. This is the best first step to stellar credit. Once you establish payment history, you can get a credit card, gas card, department store card, etc.
You can also try calling your utility companies (electric, phone, etc) and ask for accounts receivable, check your payment history with them, then ask them to call in the credit bureau's and be a credit reference.
Your credit score is a delicate balancing act between multiple factors - Your maximum credit line, which means the TOTAL amount of credit you are afforded between your loans and/or credit cards. If you have 3 cards with each carrying a 5,000$ credit limit, you have 15,000$ of credit. The balance you carry on those cards - If it's too high, it looks like you don't make enough money to pay them off, so you become higher risk. If it's too low or no balance, then it doesn't reflect at all. Payment history, do you pay on time? There's a plethora of other factors as well to calculate credit worthiness, which might as well be the phase of the moon and what sign the sun is rising in. It gets more convoluted when you calculate in loans, utility payments, etc. |
|
labelfree
|
Start with a local store like MANDEES or Joyce Leslie
Then even if you run it up to the limit make the minium payment due every month or even more.
After you pay faithfully for 6 months you will have more credit opp/and then your credit score will go up.
PROTECT IT GIRL
Your credit rating can make you or break you! |
|
clearlyalienboy
|
You can get a secured credit card. Basically, you put some money in a bank account and they give you a credit card with a limit that is equal to the amount of money that you put in the account. If you have someone who will cosign for you on a credit card that is even better. Get 2 credit cards and pay all of your bills on time EVERY time and your credit score will increase and you will get more credit offers that do not require security deposits. Oh, by the way you have to use the credit cards but you can make the minimum payment one month and pay it off the next. If you never carry a balance no balance will get reported to the bureaus. |
|
Eric D
 |
Capital One seems to give out credit cards to people with out credit history.
Start with a credit card if you can get one. Use it a little bit each month, but pay off the balance in full each time. After about a year you will start getting offers for more cards.
After a year get a couple credit cards and use them a little bit and pay them off full each month.
You can also build credit by getting a car loan as well. Like somebody said before, a credit union or bank usually gives the best rates. |
|
EQ
 |
Here are a couple articles that will get you started:
http://financialplan.about.com/cs/creditdebt/a/NoCredit.htm
http://articles.moneycentral.msn.com/CollegeAndFamily/MoneyInYour20s/9waysToBuildAKillerCreditScore.aspx
http://www.nfcuonline.org/buildgoodcredit.htm |
|
dragonsong
|
A quick way to establish credit is to get a secured major credit card (Master Card/Visa). Secured means you open up a savings account (typically $300-500) with the bank that issues the card and your available credit is equal to the amount in the savings account. This is NOT a debit card, but a major credit card.
Use the card responsibly and PAY IT OFF IN FULL every month. After about 3-6 months other credit card companies will offer you unsecured major credit cards.
Also, be careful with your credit rating. Protect it. |
|
randy b
|
There are several credit cards that help people with no credit or bad credit. such as capital one, juniper, wash mutual, etc. I would get a low credit line......charge something on it and pay it off. after six months you will have a small history and a beginning.
This should create a credit score also. If you pay well ..........during this time,, I know capital one will even loan you money for an auto if your employed and making at least 1800.00 gross income.
randy b |
|
Kristy ♪♫♪
|
Apply for a major credit card or a department store credit card. Even if you are approved for a couple hundred dollars, accept it. Make sure you read and understand the credit terms carefully though. Use the card to purchase things throughout the month. Don't borrow more than you can afford to pay back by the end of the month. Then when you get the bill, pay off the entire balance of the credit card, Do this month after month and this will help to build your credit. Once you establish a good relationship with the card holder, they may increase your card limit also. Don't apply for needless credit, either. By doing that, they deduct points from your credit history and that makes you look bad to other lenders. Don't let others pull your credit needlessly either, like by saving 10% off your purchase, etc. Also, if you're old enough, think about financing a car. Only buy and borrow what you can afford, but a car payment will also help you build your credit history. Always pay on time (early if possible) and always pay extra! Good luck! |
|
jeffl27
|
Hi,
Go to see this link: http://www.gotoinfolink.com
I know they have a section for people who have a bad credit. So It will help you to have your first credit card...and build a good credit.
Hope that help ;-)
Jeff |
|
ad121ana
|
get some credit, get a credit card or a loan, I think the best starting credit card is capitalone, because they are pretty good at approving people that have no previous credit. Do not exxagerate just get one or two cards and use them, you don't need to buy something big you just gotta show that you will use the credit. |
|
jimbobob
 |
Start with store credit cards, Walmart,sears,food lion,Lowe's,Target,etc,etc.These cards are easiest to obtain.If this don't work barrow some money from a friend(300 to 1000 $ )Deposit in a money market acnt. Wait a couple of weeks & then go back to the bank & ask for a secured loan. The money you have in the money market acnt will secure the loan. Better yet, Open three money market acnt in three diferent banks,borrow money from one acnt & use it to pay for the loan inthe other bank.It will cost you a little bit to do this but,you're credit will only get better & better. OH, Make all you're payments on time. Better yet,double up on you're payments & pay ahead of due date. Good luck. Don't be afraid to talk to a banker.Tell him exactly what it is you want to do & they will help you. If they say no go to a different bank.Don't give up. try several banks. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 5 minutes(s) ago
| | | |
11 | 37 minutes(s) ago
| | | |
10 | 2 hour(s) ago
| | | |
11 | 4 hour(s) ago
| | | |
11 | 5 hour(s) ago
| | | |
11 | 7 hour(s) ago
| | | |
10 | 11 hour(s) ago
| | | |
5 | 1 day(s) ago
| | | |
10 | 6 day(s) ago
| | | |
10 | 2 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
