 If you pay collections off that are on your credit report, does that help any??? |
| I know it will stay on your credit report as a paid collection, but does it help any??? Your score??... |
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 Should I transfer my college debt to 0% credit cards? |
| My wife has about $28000 in school loans. Should I transfer this to credit cards, two in her name and two in mine, with 0% interest and keep flipping credit cards every year to maintain the 0%?... |
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 Debit card question ...? |
| I just got a new credit card in the mail(haven't had one before) to start building up credit. I read an article in Men's Health that recommended ditching the debit card and only having a ... |
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 Credit score question? |
| I just paid off the balance on my credit card. I just want to know how it will affect my credit score if I go ahead and cancel my credit card account. Some people have told me it's better to ... |
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 If i close a credit car account in good standing does that lower my credit score? |
| my bank offered me a credit line 1500.00 w an excellent interest rate the other company i only have a 250.00 limit w very high interest rate if i close that account will that lower my credit score?... |
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 Prepaid credit card????? |
could u pls tell me if prepaid credit card build credit history?
... |
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 Credit report? |
| i owe some money to a credit company if they dont find me for six years is it true the debt is normally wrote off? and when its wrote off is the bad debt also took off your credit record?... |
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 Can you offer to pay only half of the debt to a collection agency? |
| I'm trying to clear up a couple of things on my credit report. I had a couple people suggest to just pay half of the debt. Does it work?and is there negotiating involved. Then what do I do ... |
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 Any ideas on what type of credit card is good for bad credit? |
| I was stupid when I was younger now I'm looking to open a new card to re establish my ... |
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 How can I get a loan at 18 with no credit? |
| I am an 18 years old college student. I work full time and go to school full time as well. I cannot afford to buy a car outright. But I can afford a decent car payment. How can I get a decent loan ... |
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 I lended $ 20000 to my friend. I have the loan proof.? |
| My friend have left Australia permanently and have gone to China. Can i recover the amount from him through australian courts?... |
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 Can a payday advance company send me to collections if I don't pay back? |
| A co-worker borrowed money from a check 'n go, but has no money to pay it back. She put a stop payment on the check, and has refused to answer their calls. Can they send her to collections or ... |
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el mas chingon | How does a 28yr old with no credit history start establishing a credit history. Applied for 2 cards & denied!? |
Applied for two low end cards and was denied. Will someone give me a chance? Don't really want to get a "secured" card. |
 |
 
Studly
 |
You should be a poster child for this topic....I love to read all the answers about the evil of getting credit when you are young.
By the time I was your age, I have a great job. I bought my car in cash, along with everything else. I saved a lot of money, and when I was ready to buy my home, I planned to put down $20k (this was back in 1978 folks!).
I got turned down! Reason? No credit history. Fortunately for me, I had a loan officer who wasn't a complete idiot and could read past the credit reports.
Start by taking kerdog's advice. Get a department store credit card, and a gas card. Use them regularly and pay them off each month.
Go to your bank (credit union is better) and get a small secured loan. Make the payments, and if you can pay it off AFTER 6 months to establish a credit line. If you can afford it and you have the need, do this again! Secured loans look great on your credit.
It's gonna take several months, but you will easily get a good credit rating if you follow these simple steps. |
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kerdog
 |
Try applying with some 'department' stores, or gas companies, instead of bank cards. |
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jackfoo
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i got started with a few small loans with a small town bank most big chan banks wont make a lon 4 less than 6000$ small banks will make a loan 4 as low as 500 $ if you have half you are in |
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ola2lexy
 |
Get a home phone line from reputable company; they report to the CB, also gas, electric and/or water account(s). |
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angelin r
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try this it's help you hope for your needs visit |
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Dewey K
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I have a friend who is 50 and never had any credit, she paid cash. My daughter who worked for a large dealership helped her buy a car on credit. The only thing she had that was positive was a bank account that she had with the same bank for 15 years. They were able to get that bank to float a $12,000 loan to get her started. |
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Tonya L
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When you are denied for a credit card, you have the right to a free copy of your credit report. You should get a copy and verify that everything is accurate. You may think you have no credit but it is possible there are mistakes on it or things you haven't thought about. If you have a cell phone, that is reported. If you have made a late payment on that phone, that's reflected in your credit. Same with cable, electricity and other bills. I got my first card at 15 years old, no adult required. It was with Providian, I'm not sure if they still exist. If you have a bank account, such as a checking, you can get a Secured credit card which means that the money in your account is what your credit limit is. It is a way that some people start out. (I know you said you don't want to do it but just in case). Just make sure that as you start receiving credit, you pay your bills on time and soon they will be begging to give you tons of cards. |
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twv23512652
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Secured credit cards are a great way to rebuild your credit. Most secured credit card companies require a deposit equal to the credit line your are seeking. Make sure they report your payment monthly to the major credit bureaus. Making your payments on time monthly will increase your credit rating. You will also get you deposit returned to you after one year, turning your secured credit card into a unsecured credit card. |
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mgarris2
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no offense but if your 28 with no credit history thats really bad.
most people get credit cards at the age of 20. what it says to the lender or employer is youre afraid of responsibility. someone will give you a credit card.
try orchardbank.com or householdbank.com. they are very generous and sensitive to forks without A1 credit. |
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