 What earns a higher credit score making the minimum or full payment on credit cards? |
I would like to know which method will result in higher credit score I have heard many different opinions.
1) Make minimum payment
2) Full payment
3) Pay the minimum payment ... |
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 Can I use a debit card just as easily as a credit card to pay online for things from other countries? |
| overseas websites I am interested in always say visa credit card and dont mention debit card.I assume a debit card is virtually the same in that they know they will receive payment ?... |
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 When a parent dies in your family and they have left some bills like credit cards is the family responsible? |
| Can those bills then be put on your credit record from the deceased family member? Can the family lose what they have due to what the relative left behind? What if they don't have the money to ... |
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 I just turned 18, I want to get a credit card to start building credit in the US. What is my best choice? |
| Just wondering whats a good CC for an 18 year old. I plan to be a full time college student with part time job.... |
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 Missing Credit Card payment? |
My credit card payment is due on 24th March however I don't get paid until the 28th. I will pay it off in full when I do get paid but until then I can't pay a penny.
Will this ... |
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 Is there anyone out there who has alot of money and would be willing to loan or give $15,000.00 to help.? |
| i am a overweight woman who is desperately trying to recieve the lapband surgery that i believe will ultimately save my life. however i keep hitting a wall. insurance wont cover it and due to ... |
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 Question about credit cards.? |
kay, so, im only fifteen, and my mom doesnt
speak english or anything and i always have to
do basically everything for her that has to deal with
finances, anything important really. ... |
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 What should i do? please help? |
So, my husband has a lying problem. I catch him lies concerning money alot. I am pregnant, have a 6 year old son with him and love him . He lost his job in March.
The other day i realized there ... |
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 I want to begin building up credit. How do I do it? |
| I am 22 years old and I want to start building credit. I have applied for credit cards at department stores and through mail applications and I have been turned down. How do I start building my ... |
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 Will removing my ex-husband's credit card from my credit report make my score go down? |
| My credit report still erroneously show me as married and shows a new credit card (which I've never had access to or knowledge of) belonging to my ex-husband where he's carrying a balance ... |
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 Do u know what is the diference between VISA and MASTER CARD credit cards?? |
| I had checked the benefits of each one and they give you the same, but sometimes in some shops you can not pay with VISA or with Master card, does someone can tell me the diference?? ... |
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 My credit is fair to bad and I need to get a loan for $4000 where is the best place to go? |
I have a good job but just got behind during the winter months and my daughters first prom.
Thanks and God Bless
Mike C.... |
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 No one will approve me for an auto loan? |
i work a very good job and i need a 3600 dollar auto loan.
all the credit unions are denying my applications because i just turned 18 and i have no credit.
i do not have time to open a ... |
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 How can I get a debt consolidation loan in Rep. Of Ireland with bad credit history? |
Want to wipe the slate clean but having trouble getting loan. Not a homeowner.
Additional Details
Can I please stress that only Rep. of Ireland related sites are of use? Unfortunately ... |
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 Credit score went from 750 to 600? |
| My wife did not pay her personal credit card for 5 months. My credit score went from 750 to 600. I had no knowledge this was happening. Anyway I can help myself?... |
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Jen | How else to raise my credit score? |
i tried a credit card one time a decided that it was the dumbest idea ever to pay $100.00 for a $75.00 item and wont do that again my score is below 600 and i need to raise it. Im going to pay off old debt. I have heard personal loans are good but my bank wont give me one unless my score is 650, other than loans which I cant get and credit cards which I wont get is there any other way?
Additional Details
I dont have credit cards or credit card debt... |
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Ken R
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Pay any existing debt down or off, and pay them on time. This will raise your score although it will take a few months after this for it to appear on your score. |
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catmandoozie
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Really the only way to raise your credit score, is to show that you can manage your credit. As for the credit card situation, just get one cc and pay it off each month. You don't have to put 75.00 on it, just 25 here and 30 there. Then each month faithfully pay it off. This will help your credit score, also pay off old debt and check out your credit report. Make sure there is nothing on there that is hurting your credit score. |
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latebreakfast
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Do not waste your time on checking your credit report at any other site than annualcreditreport.com
This is the site the government recommends, and there are no scams. Once you get the free report, you can go back to that site and purchase more through out the year.
In the links below, I have included a handy little score simulator calculator. Play around with it and it will show you what you need to do to bump up your score.
It's pretty darn accurate too.
If you have negatives on your reports, the further down the road you are from them, the less important they become on your score. However, you will need to be establishing good credit in the mean time.
Check out secured credit cards. You don't need a huge credit line. You just need to make payments every time on time.
GET EDUCATED!! It's our responsibility to educate ourselves on our finances. I have included a couple links to help you with this. One is a message board, the other is FICO's credit education site.
Be diligent and you will be rewarded with a good score. |
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kevin d
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paying off your old debt will help . I would highly recommend doing that before obtaining more debt |
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Robert B
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The best thing you can do is pay off all of your credit cards as soon as possible (utilize some form of debt consolidation if necessary), and stop using them, or pay them off in full at the end of every month. That last part bears repeating: pay them off IN FULL at the end of every month.
Taking out more loans tends to decrease your credit score, at least in the short to mid-term, I believe. However, having a larger amount of unused credit available (say, by having a credit card, but keeping your balance at or near zero), over time increases your credit score.
Credit cards are great, but you have to use them responsibly. Don't use them to buy things you can't afford, use them like a checking account for everyday/normal purchases. (For major purchases, wait until your credit score is better and shop around for a loan.) They are better than debit cards, because they are more secure, sometimes offer rewards and allow you to build credit. Also it gives you a little lee way in case your check isn't processed quickly (with credit cards, you typically have at least a 20 day grace period during which you can pay off your purchases, but don't push it). Generally, being charged a little bit of interest is better than getting hit with an overdraft charge. |
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Brian K
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Prepaid debit cards are you best bet for something like this. Check out http://www.gozeropercent.com under the prepaid debit section |
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yeah
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google the following "How to raise my credit score" and see what you come up with. |
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Credit Guy
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Credit is purchased.
You purchase it by paying interest on loans.
If you won't pay interest, don't bother with personal credit, you'll never have it.
If you ARE willing to pay some interest to get credit, then you can pay only 4.9% if you just borrow money to hold on deposit, hold it there while you make some interest payments, then give it back to the lender. You can do this with no credit check at creditloader dot com |
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danielle patricks =]
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F-R-E-E
(that spells FREE)
Credit report dot com
bay bee!
:-) |
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