 Bad credit home loan? |
| My husband and I have bad credit well I should say I have bad credit he really has no credit, we thought we had a loan even had the house appraised and a closing date a day before the closing the ... |
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 Debit card payments? |
| is there a time limit of which a company can take money from your account when you have paid by debit card - i.e you pay for something but they dont take the payment out until 5 months later!... |
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 Is it a good idea to get an unecured loan to pay off credit cards? |
| So I've got some credit card debt - not a lot, but enough that I want to pay it off ASAP. Is it better to get a lower-interest unsecured loan to pay off my higher interest cards? What does doing ... |
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 Collection Agency Phone Disconnected? |
| I have a medical collections account from 2002. Today I tried to call the collection agency to set up a pay for deletion agreement. The phone number is disconnected. I tried to google the company but ... |
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 Question about overdraft fees on checking account? Please help answer? |
| I was told that I didn't have enough money in my checking account by my bank, but before I knew this, I used my card to purchase things. I looked at my statment, and I spent 4 dollars on ... |
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 Does Anyone know about pass due bills, what I mean is I heard after 7 years they are cleared, is it true? |
| I'am asking for a friend, she's a big fan of Susie Ormen I think that's her name she's a Financal adviser, well I just want to know is it true.... |
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 Is this a violation of the Fair Debt Collection Practices Act? |
| I made arrangements with a debt collector to pay off a balance in 3 monthly installments. The arrangement was sent to me in writing by fax. All payments were to be taken out of my checking account ... |
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 How do i get a credit card? |
| how do i get a credit card like mastercard visa and ... |
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 Crdit report? |
| Where can I get a copy of my credit report on line that is really FREE?????... |
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 Visa gift card??? |
| i bought one, used it, and dont know how to discard it? there is no more money on it jus want 2 kno how to get rid of it.... |
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 Can anyone help me or tell me where i can get a bad credit loan with out first paying money up front? |
| I borrowed money to get a loan for a friend who needed medical care,i became ill myself got behind on my payments,not hard to catch up.... |
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 Is this a high interest rate on credit? |
16.24% variable APR, on an Amazon card.
Is this really high?
We have no credit cards but we are shopping around right now.
Thanks
Additional Details
Can you suggest a ... |
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 Bad checks? |
| my mom has some bad checks out how do i pick them ... |
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 Getting out of debt? |
| I have a serious ongoing problem. I am a single mom that owes probably $4000 in unpaid bills. now one of my credit card companies turned me over for collection, and they want either a reduced ... |
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 My credit is good but im late for my payment every month? |
| i have a loan with citi financial and im late every month im really busy .. and i always end up paying late,.. but my credit has never been affected someone said its cuz i pay before 30 days?... |
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| Should I apply for a fixed rate loan to pay off credit cards? |
| I have $25,000 in total credit card debt (3 cards). Interest rates are 4.99, 5.99 and 11.74. The card with the highest balance is also the highest interest rate. According to a debt calculator I used,... |
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 Credit card transaction question? |
I purchased a doll for my daughter on October 23rd. I wanted to use my debit card to pay for it but the store only took credit cards, so they ran it through as a credit card.
I never ... |
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californiainfidel | How does knowing your credit score save you money? |
Your credit score is your credit score. There is very little you can do about it or with it. It is like your age or I.Q. How will knowing what it is help you? |
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2 Happily Married Americans
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You can act differently in the future to build your credit score. The higher, the better, especially when it comes to getting loans, credit cards and buying a house. If you have a credit score of say 640, you will pay a lot more for a mortgage than someone with a credit score of 750. If you know you have a good score, going in to borrow money at a bank, you can bring it up and may be able to negotiate a lower interest rate on your loan.
There are lots of ways to raise your credit score, and if its low, waiting for a year or so to restore your credit will save you a lot in the long run on a big purchase, like a mortgage or business loan.
The average American's credit score is about 70 points lower this year than it was two years ago, and its a great reflection on just how unwise many people are when it comes to money. I have raised mine drastically in the past ten years, mostly by just paying all my bills on time or ahead of time, and not going above 50% of the available credit line on a credit card. (If the credit line is for $10,000, you shouldn't have more than a $5,000 balance.) Learn a little about this, and it can make life much easier and less expensive. |
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Andrea
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There is something you can do about your credit score. Pay everything you owe on time as agreed. That will improve your score if it needs improving.
Knowing what it is would help you only by knowing before applying for a loan whether or not there's a chance you'd get approved for it. Knowing your score might also help you make a decision about accepting a credit card with a terrible rate - if you know you have good credit, you can be confident you can get a better rate.
Personally, I don't think it's that big of a deal but that's because any problems I had with my bills were a long, long time ago (luckily and hopefully it will stay that way!). My score is good but it doesn't really affect me because I don't plan on borrowing any money any time soon.
If someone actually knows how knowing your credit score can save you money (in some other way than what I've mentioned), I'm very interested to read the answer.
Edit to add:
I agree that keeping an eye on your credit REPORT is a good idea, which is why I take advantage of the free annual credit reports. I don't think it's necessary to pay to have one of those watch services monitor your score for every little change though. |
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OK yeah well whatever
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If you have a credit score of 750, you'll get a better interest rate on credit cards, real estate and vehicles than if you have a credit score of 550. If the bank tries to give you some heinous interest rate, you'll know you can do better by going elsewhere, and you can tell them to sharpen their pencil or you're gonna walk.
If you have a Washington Mutual credit card, you can have instant access to your credit score 24/7 for free on their website. The credit bureaus usually charge a fee for this information. |
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mister ed
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i agree 100% knowing it does not help a bit -- getting is up to 850 is really the goal and by doing that it will say loads over a life time!!! |
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Kenny J
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People with better credit history and score will be treated better in business world and bank.
However, just by knowing and having high credit score doesn't really help you.
Real credit score, one bank sees not only by score but length of credit card history, is really like your age.
Me, with 740 and 20 year old, doesn't really get that much better respect from bank.
But, in 10 years, 740, or even 800+ will definitely help me gain respect from the bank and loan companies.
Like, having Diamond or 7 star membership with Paris Hotel gets you much better rooms, services, and respects. |
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diamondbbq
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If you knew you had great credit, would you pay high interest rates? |
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sasil85
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Don't even know all about it myself. I can give you an example though. When I moved into my apartment we had to get cable and electric hooked up. And since my credit was superb I didn't have to pay an extra fee. The fee for each if your credit was bad was 250 dollars each. So saved me 500 right there. |
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redwingnut2000
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I think it's more of a 'play defense' move. If you keep track of your credit score and you see it start to plummet and you are not taking out multiple credit cards and loans and you're making your payments on time then it's a good tip that someone may be messing with your identity and opening accounts in your name. I keep track of mine for security purposes to help track and protect my identity. |
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Hey Love.
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It's a good idea to get an update on your credit score every now and then.
But finding out what your credit score is will actaully drop your credit score. |
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