 Where can i buy a prepaid credit card? |
not online i want to buy one today not wait for it to be sent, ive tried post office they say they dont do them, and an internet cafe, um where else can i get one??
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in ... |
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 When some pulls your credit report, can they see the names of other companies that have viewed your credit? |
Or can they only view number of inquires?
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Is there anyone that knows for sure? Some of you are saying yes, and others no.... |
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 Do I have to pay credit card that was once on my credit report but 7 yrs past and it's no longer on there? |
| I was contacted today about a credit card that I had in college. I did not pay the credit card off and allowed it to go on my credit report. It stayed uppaid on my credit report for 7 years, and now ... |
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 When you pay off collection accounts, can they be taken off your credit report completely? |
| I have accounts that I have made payment arrangements on and now they are completely paid off but they are still listed on my credit report but the status says "paid in full". I heard that ... |
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 How is my credit? |
| I am 21 years old. I work full time. Not a home owner. I have carried at least 5 major credit cards and 5 store cards but only have 1 store card and 1 major card now with a balance of 2500. I pay ... |
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 Where can I get approved for a car loan? |
| I DO NOT have really bad credit. My credit score is 680. I have a monthly income of $2700. I applied for a car loan today and got denied because of something that is on there from five years ago. ... |
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 Is this a scam or real would like to know? |
SWIFT PAYMENT CENTRE
IKEJA LAGOS-NIGERIADATE: 13TH /04/ 2007.
ATTENTION OF MR. JOHN JONES
I WISH TO REMIND AND ALSO TO INFORM YOU THAT THE REQUESTED FEES FOR (COT) WILL BE... |
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 How do you finance a ferrari with no credit? |
| I heard you can finance a car if you put %50 down. I have no credit, but recently just started a business that is making me 8k per month. I have $120,000 cash, but don't want to go2 the ... |
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 I cannot afford the mortgage payment on my house anymore. I'm considering bankruptcy or forecloser.? |
| My Credit card debt is less than $2,000 and I can pay them regularly. I cant afford the $2,500 a month mortgage payment. I don't have any other debt & no car loan.... |
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 I overdrafted my bank account by $125. Its been 9 months & I still haven't payed them. What can I do? |
| They sent me a letter saying they cancelled my account so I figured that was it. But My wamu account still exist and I dont know If I should pay it back anyway or for how long its gonna affect my ... |
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 Can anybody help me to find the right credit card, please!? |
| Its been almost 3 years since I got my first Bank of America's Debit card. My friends still asking me..."Why you don't have a Credit card, yet?"...and my answer every time was the ... |
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 I was refused credit by a credit card company. Can I get a credit report for free ? |
| Can i get my credit report for free if i submit this credit refusal letter to the agencies? T... |
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 My dad died last January, and a bill collector is sending me 2 bills daily? |
| Someone hooked a cell phone up in my dads name and all of the sudden, dad started getting People magazine in Spanish. My dad was never able to speak spanish and would never have ordered a ... |
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 Anyone know debt-collecting laws? |
| Can a company collect on a judgment debt that is 15 years old? It's not a real estate or secured loan, just money that was owed. My co-worker is getting letters and calls from a collection agent ... |
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 Capital One Credit Card Debt? |
| I'm finding I can't afford the payments to Capital One anymore. I owe them a total of $4900.00. I've called them and asked them for a lower interest rate and they stated I'm at ... |
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Tim | How do you lower your credit limit without lowering your overall credit score? |
I have only have one revolving credit card, and I have a very high credit score. Because of this overall score they subsequently increase my credit line, even though I don't ask for or use this revolving line of credit. Question? I have been told if you ask for a credit line decrease they lower your overall credit score? Why? What can you do to minimize a lowered credit score? |
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SPIFIMAN1
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Your talking about your debt to credit ratio which makes up 30% of your overall score.
If your balance is really low and your new credit limit reflects no more then 30% usage, your score will not be affected.
If however your new limit makes your debt to credit ratio over 30% your score will take a hit.
There is nothing wrong with having a high limit as a matter of fact it's good since it makes it hard to exceed 30%.
It's not the credit you have that matters it's how you manage it that counts. |
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Matt K
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Yes - by lowering your limits, this indicates to another lender that you may be in financial hardship. The credit score formulas have this programmed into them.
My advice is to just let them keep raising your limit. As long as you are financial responsbile, which is sounds like you are, then it won't hurt you. Just don't use any more credit than you can afford to repay - which sounds like what you already have been doing. |
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XoxoxoxoX
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Do NOT lower your limit, that will negatively effects your credit score. There is a debit ratio that credit reporting agencies take into consideration. It is like telling people NOT to close their credit card, because you want HIGH available credit limit to you. |
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Lapband Man
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Call the bank, and tell them to lower your credit limit. It is that easy! |
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myacumen.com
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I think it would be best to keep your credit limit the same. Unfortunately the credit score system (FICO) can be complicated to understand. |
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src50
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They will lower the limit if you ask them to. But why bother as long as you have a zero balance? |
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mycredit wealth,com
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you do not want to lower your limit.
Think of it as a asset the less assets you have the less likely you are to pay your debt in case of a emergency.
It will not cost you anything to keep it if you don't use it. |
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Steve R
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You are not supposed to use all the credit on the credit card. You can use up to 30% of the credit card limit, which will make you an excellent credit risk. If they increase your limit, it's okay. |
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Bill M
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You have a high credit score because you have the self-control not to charge your credit card up to the limit. Some day you might have an emergency where you may need that line of credit. |
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Miss October 03
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I say keep the cards open because with a low balance on the card and a high limit it definitely makes your credit look better. Don't worry about having that much credit in your name unless you plan on purchasing a loan from a bank. You aren't using the card anyway, right? |
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Bruce T
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Over the years in the mortgage industry I coached many to improve their credit to purchase a home. In some cases over a year if the client did within their "means" as I instructed. The credit bureaus use a computer system to calculate credit scores and no one can or will tell you their scoring system or method.
In a five year period I chartered various clients in improving their score, pulling their credit evey two months after following my instructions on paying a bill, disputing an item(s), etc. I developed a "pattern" chart on what makes scores go up or down.
In your case, do not request a lower limit as you were told. What really effects credit scoring with credit is the percentage owed in relation to your "High Credit Limit" indicated on the credit report. No matter if your "High Credit Limit" is $100 or $20,000 if you are within 95% owing your score will drop 22 to 30 points, 90% 18 to 20 points, 80% 8 to 15 points.
Just a note for your friends and family: I saw this a lot when doing mortgages and prevented people from getting the loan. Not your case but you can advise if you know of someone, Student Loans after graduating allow a "deferred" time to begin paying, usually 3 to 5 years. This is to allow time for someone to start making money and live a normal life. During this period interest accrues putting your amount owed substantially over your "High Credit Limit". A really big hit to credit scoring, as much as 40 to 50 points per loan depending on the percentage over. Think about it, you graduated, got a job making really good money, feeling good about life, you can conquer anything and you can now budget to buy a home. That great Student Loan you have not been making payments for years will come back to "haunt" because you are being told the big NO in purchasing a home, not good for a young, upcoming person. Start making those payments as soon as you can regardless of time you are allowed. |
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