 How many of you haven't got a single thing on Credit this Christmas? |
Everyone I know is having A credit Christmas and will be paying it off till next Christmas....what is the point?
We havent got a single thing on Credit because we start buying again just ... |
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 What is 1 divided by 0? |
| hahahahahahahaha if any1 answers it correctly then u r ... |
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 Do you think I can get a loan with a credit of score of 857 from experian? |
Will experians scores and other reference agencies be similar?Thank.
I am writing from the UK.... |
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 Can a credit card company collect from me on a mispelled name? They spelled my last name wrong so am I free??? |
| I got a credit card in the mail a couple of years ago. Over the course of time I racked up a bill to the limit and fell a little behind in payments. Now I have a collection agency after me. I was ... |
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 I owe a credit card and they are threatening to go into my account and take what I owe them? |
| They are threatening to use the account no# that I use online to pay their bills online, now I'm behind and they said they will just go in and get it; is that legal?... |
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 Why am i being declined credit when ive never had it? |
| I have just turned 18 and keen to build my credit rating..I privately rent a property and have a good household income... I was advised to get a store card or credit card and pay the balance off ... |
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 I'm being taken to court over a credit card that isn't mine, what do I do? |
| This company claims that I owe them 3K on a card I never signed up for. I asked for proof that it was mine, because I can't find any records of it with my other cards (all paid and canceled ... |
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 About credit card limit ? |
| So my credit card limit is 500 bucks. Bank of America. Let's say I use up 500 bucks in one week, and I pay off my balance right away. Does that mean I will get 500 bucks limit again as soon as I ... |
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 Received a letter from debt collection agency for old bill what should I do? |
| The bill itself is student overdraft which I took out in January 2003 the bank sold this to this collection agency (according to them) in 2006. I have so far made no contact, received the letter this ... |
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 With bad or poor credit, can I get a home loan if I put down alot of $$? |
| In other words, would a bank look past my credit if I put down more than half of the price in cash??... |
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 What happens if I'm approved for a credit card, abuse it, and never pay? |
| What are the legal consequences of this? the credit limit is $1,500.00.... |
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 Should I co-sign a loan for my boyfriend?? |
| My boyfriend is having some finacial problems and we are working on buying a place of our own in the near future, but he has some out standing bills. Which need to be paid off. So he is able to get a ... |
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 I have recently had a bankruptcy discharge. I want to buy a townhouse. Do I have a chance at all for a loan? |
| I have heard that there are loans for people out of bankruptcy, but I don't know of any company. Before this, I had perfect credit. I am desperate. I need some good advice. Thanks!... |
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 Which is better 3 or 2 credit cards? |
My available credit on my credit cards are
$4,000 $1,200 $1,500
The one card I am using is paid in full by the due date. Should I close one? I am thinking of closing the $4,000 ... |
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bigbear85910 | How does any one get a cell phone or credit cards if they have bad credit? |
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pottersclay70
 |
Clean up your credit by paying your debts. If you need a cell phone get a prepaid. It stinks, but you can get through it. Don't create more debt before you clean up the old debt. |
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Hawkman
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Most places will give you a secured card. This allows you to rebuild your credit while having access to the credit card. The way it works is you make a deposit like $500 (the mins vary) and then you can use up to $500 on the credit card. They report you to the credit bureaus so you are rebuilding your credit. Orchardbank.com is a great place to start and 99% of the time you will get approved for a secured card at least. |
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jdimmitt22
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With a phone the best way is prepaid plans. You pay up front for the minutes instead of after you use them. With credit cards you usually have to give them a "good faith fee" before you get the card and that's normally expensive. |
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doesitmatter
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My credit sux. I went to US Cellular. I paid a $100 security deposit which i can get back this year. I pay $50. a month. All incoming calls are free. Nights and weekends are $5.99 a month. Nights start at 7:00pm. Holidays are Free. Incoming calls are also free. Though my minutes do not roll over i find my 1000 minutes to be plenty each month. In fact now that i do much of my correspondence via email i find it more than adequate. Also credit cards stink. They can really do a lot more damage to your credit. Apply for a visa check card. Anyone can get one. Go through a credit union. Furthermore to establish good credit, build a re pour with a credit union ( banks are worthless unless they offer a better rate on their Cd's or something) Anyways build a good re pour with a credit union and take out a small loan of $500. You'll put $500. In a savings account 1st i think. The idea is so that you can slowly pay back the money to build on your credit and you can just continue that process. There are bound to be other ways but there are also alot of credit re-building scams out. Do your homework! Get a debit card. Credit cards a worthless. |
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mistresskaida
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Prevent this problem: Keep your credit good. |
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Rock_N_Roll_Chicky
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pre-paid cell phone until you have your credit in chekc |
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stinsonreginald
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Try Dr. Credit thats what they specialize in helping people with bad credit obtain loans, credit cards, debt consolidation, mortgages, auto loans, & personal loans go to http://www.jensden.com/g.o/rstinson
To get a cell phone with bad credit with sprint, cingular, or verizon go to http://cognigen.net/cellular/?rstinson |
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Inquisitive Mind
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I'd recommend getting a secured credit card to help establish a better credit rating. You'll give the credit supplier $500 which is used as a security deposit. They have no risk because they have $500 of your money to use towards paying your debt should you default. You cannot over-extend yourself. They will report to credit bureaus when you pay on time every month, so make sure to do so.
As for cell phones, you can find suppliers who will give you a non-prepaid phone, but I'd recommend getting a prepaid and not worrying about wondering what your bill is going to be month-to-month. Verizon, Cingular, T-Mobile and Tracfone have good prepaid plans.
Regards,
Brandon |
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rhutson
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Actually if you have bad credit, unless you get a secured credit card and a pay as you go phone, then you probably don't get either. |
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ft3535
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contact CapitalOne credit card they will give you one..
and you can get a prepaid cell phone that you pay for the minutes up front..this will get you on your way to better credit and in a few years you can get the regular credit cards and regular cell phones..
good luck |
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dextersadventures
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Cell Phone: Sprint is really good. They don't require a great credit score. If you can't get one through them, then Virgin Prepaid works well. Buy it online or at Radio Shack.
Credit card: use Free Card Matrix. YOU get paid when you have others get a credit card too. That's a nice change! https://www.freecardmatrix.com/application.aspx?ref_id=Dexterblack |
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crobinson1952
 |
I don't have good credit,,but I have paid everything I owed,,however it stays on there for 7 long years,,no bankruptcy,,or public bills,,like student loans,,
I just got a nice phone from T-Mobile,,,$39/month,,1500 minutes,,takes pictures has internet,,I never even had to pay a deposit.
I'd try it,,,at worst I would probably think you would have to pay a deposit of some kind,,,you would get it back,,probably in 6 months.
Good Luck,,,,I know bad credit is awful,,,I will be a lot more responsible in the future,,mine was medical bills mostly.also have 3 little credit cards,,have to start somewhere. Try orchard bank,,home depot,,credit one,,they all gave me cards,,not huge ones,,but I was happy!!
Kat |
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Iron Rider
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you can get a pay as you go cell phone at wal mart, I don't know about a card |
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sexytrojan
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Phone: Prepaid from 7-11 or Tracfone
Credit Card: Orchard Bank. It's not a secured card, but the interest rates are high. Pay it off monthly if you can. |
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Beautiful Insanity
 |
Prepaid Phones: Cingular GoPhones, Virgin Mobile, Version Wireless, etc.
Prepaid Credit Cards: http://www.greendotonline.com |
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Questions&Answers
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My husband had to put down a deposit. Or you get a co-signer or have your parents get one in their name. Cingular will let you put a down payment if you have no credit. Or you get a pay as you go phone. Or a tracfone, you buy phone cards. |
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Ingrid
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start with capital one, there take anyone, get a prepaid cell...no one nos but U..Virgin Mobile is very good |
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tuesdayisgreat
 |
i don't know about the cell phone
however the credit card can be had from here
http://www.wesayes.com
We have over 50 Banks & Companies that offer Bad Credit Unsecured Credit Cards and Merchant Cards to people with good credit, no credit, bad credit, or even a bankruptcy. - NO SECURITY DEPOSIT. Apply Online. You can get started right away |
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Larissa J
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Sprint will give you a cell phone on a month to month basis becuase you pay one month ahead of time. Also there are many pre-paid cell phone plans these days. You can pick up a pre-paid phone plan at any Target |
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scottpetsche
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Cricket will give you cell phone. pay first. Save $500 and put in bank, then take loan on your $500. Just a start |
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