 Is it possible to reverse the process when a creditor/company forwards an account to a collections agency? |
...meaning that the collections agency would give the account back to the creditor/company that one has an account with.
If so, how?
If not, how can one protect his/her credit ... |
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 Is balance transfer to a credit card a good idea? |
| While I was a student I've accumulated about $6,000 of credit card debt. (mostly to fill in the budget gaps while going to school). And currently paying the balance down little by little. But ... |
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 How could a place in Italy get my Debit card info ?? |
| I saw one charge on the bank website they tracked it to Italy its description on the bank was www.190-IT Corisco. The bank said to come in and cancel my card and when they checked pending ... |
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 If i file for bankruptcy, do i have to show up in court? |
And what are my other option so i don't appear in front of any judge or authority figure?
And another question is my crediters seud me to appear in court in september. what will ... |
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 Can i stop a garnishment? |
| m yhusband and i are about to be garnished for a medical bill. I am not trying to snake out of paying it but we missed a payment to the collector when we were in hospital having our baby. when i ... |
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 I'm trying to raise my score to buy a house, should I add my fiance' to all of my credit accounts? |
| We will be buying our house together, she has a 750 credit score and i have a 650 credit score. Would it help to add her to my credit cards? Would it hurt her? I know they look at both people for a ... |
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 How TO Get A Loan Paid Off Quicker? |
| I just purchased some property with a high interest rate because of bad credit. I am paying almost twice the amount of the payment a month. What is the best way to get this loan paid off quicker and ... |
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 How do I make money? |
| I want to make extra money online.... |
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 Can my boss prosecute me for charges on credit card?? |
| I am an assistant in a company and I have a company credit card in my name. I just quit my job and my boss is saying me is going to prosecute me for charges on the credit card. The charges consist of ... |
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 Help w/ card? |
| is it possible to use my debit card as a credit card if i have a mastercard logo on it? I am looking to purchase a computer from dell online.... |
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 Should I get a gas card to improve my fico score? |
| Im looking to improve my fico score, I dont have any credit cards now. Just a few old debts Im paying off. Would a gas card be helpful enough on the FICO?... |
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 Can a mortgagee"buy" their own loan from a bankrupt lender for less than is owed ? |
| Our mortgage lender has filed for bankruptcy protection. We assume that our mortgage in the bankruptcy proceeding will be sold to another lender at a greatly reduced price. Example: We owe $200,000 ... |
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 Help!!!! my perfect credit is at risk? |
| I have a $2500 collecton acount that's schedule to hit Equifax bureau at the end of this month. i recently check my credit score and it's currently 729 with Equifax. I can't afford ... |
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Letory C | How do you build credit when exery one denies you? |
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MY SET
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The borrower has to prove they can repay the loan, because of track record that shows otherwise meaning:
co-signer
secured credit card
secured loan
here is a link that might help:
http://www.bankrate.com/brm/news/cc/19990823.asp |
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Goldenrain
 |
I would think the best place to start would be to get a secured credit card. You pay money down to get it. Many years I did not have credit (no credit cards, etc.) and that is how I started to build my credit. I got it through my bank by paying 500 dollars for a 500 limit. I managed it well, paying it off and on time and now my secured card is a regular card with a high credit limit. |
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greeter7
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Go to a reliable bank, NOT A LOAN CO) tell them you want to establish credit. They will ask you for 300 to 500 dollars and give you a credit card for that amount, called a secured credit card. When you have utilized that amount and paid for it ON or BEFORE the date due then they will report to the Credit Bureau you have paid $______ as agreed. There is your first credit rating which will help you.
Another way is to go to a Bank and ask them to loan you a given amount (you figure how much you can do). You will put up something of value as collateral. (Item which will be assigned to them until you pay off the amount.
Hope this helps & God Bless. ALWAYS BE HONEST WITH YOURSELF AND YOUR PEERS. |
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jsmack19
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Start by paying regular bills on time, like telephone, gas/electric, etc..., have a checking account |
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Beau.Gus
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First you realize that if "everyone denies you" then there's a reason for that, and you are honest with yourself about what that reason is...
Then you get a "secured" credit card (you give the bank $500 cash, they give you a card with a $500 limit), and you use it and pay it off in full each and every month for a year or so. |
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tandkalexander
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Go to your bank or credit union and take a small secured loan. Pay it back, build credit. Or look for a secured credit card to build your credit with. |
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ashkeithster
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If you do not have any prior credit history then I would first suggest getting a secured credit card. You take your own money and put it into a account and that is your credit limit. You should make small purchases and pay off the balance every month, or at least keep the balance below 35%.
By doing this you establish positive credit history and some banks will give you back your deposit after a year or 18 months of ontime payments. Then they convert your account to an unsecured credit account with them or at least offer you a credit card offer.
Other than this I would try credit cards for people with bad credit, student credit cards. |
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DAS
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Listen, all of the answers below are good, and are valuable information for helping your credit. We don't know your circumstances, since you have left that bid of info out. You need to fix or work on your existing credit (bad) and build some positive credit via secured credit card or a secured loan. The rest is up to you, pay on time, don't go over the limit, don't use more than 30% of your credit limit. Go for it, it will take time, but you can repair and get good credit eventually. |
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Reaper
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Check your report fotr innacuracies . It's free www.AnnualCreditReport.com
I got my first card from Capitalone.com
They usually approve everyone. |
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