 Is a walmart credit card a good stepping stone to getting a regular credit card? |
Hi, My husband are trying to build our credit score, we've always paid all of our bills on time and he has a good paying job (three years) we have no debts and 4,000 in savings
and we were ... |
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 A friend of mine unfairly denied sale. who is at fault? |
| my friend went to buy something from a shop. He then handed over his credit card for payment. The cashier questioned him that the card isn't signed in the back, so he cannot accept credit card. ... |
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 What do you do when someone stole my social security number and used it to get loan in my name? |
How do I go about in getting that off my credit record and not having to pay for that loan.
Additional Details
Well this happen like 5 years back I just noticed it on my record... does ... |
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 How badly will one missed cell phone payment affect my credit? |
| Paying my phone bill completely slipped my mind last month... Will I suffer for it?... |
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 I owe about 13000 in credit card debt. I earn about 300 a week and my rent is 600. Should i declare bankruptcy |
| Hi. I have owed my creditors money for 6 months. I owe about 13000 and my monthly rent is 600. I have a total of 9 creditors. Two of them, CHASE and Bank of America, have offered to forgive about 3000... |
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 Nearly 8 years old debt - is it still on my credit report? |
i have 3 ccj's and a few debts that at default. i havent paid any of them and they about 8 years old. dont they just come off after a certain amount of years? or do they stay on forever?
A... |
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 Pre Paid Debit Card? |
How do I apply for one of these cards without already holding a credit card with which to pay the initial fee
Additional Details
It is a DEBIT card i need not a CREDIT card. All of those ... |
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 An ex has really ruined my credit rating and now nobody will look at me for a cred card, any ideas? |
| I didn't know the extent of the damage she had caused until it was too late but now even those really high interest cards won't even accept my application. Prepaid cards are not what I am ... |
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 I need a $5,000 deposit,but my credit cards are maxed.I was denied a loan 2x. what's my best option/s? |
My credit score is around 650-688 the last time I checked.
I need to make a downpayment on an investment in real estate for a vacant lot in an area that is going to flourish in the next couple ... |
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 Help i need an answer.who are these people? |
| hope someone can help me,on my bank, statement, for 2 months now ,someones deducting $24.95 from my account, all its stating is ac cs.online serv-ice0607 does anyone have any idea who they are, i ... |
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yp_veronica_chicago | How good does your credit score have to be...? |
to get a $30,000 unsecured credit cosolidation loan with a decent interest rate? I dont want to start applying for loans if I dont have a chance. |
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jabbamonkey
 |
Borrowers with a credit score over 700 are typically offered more financing options and better interest rates, but don't be discouraged if your scores are lower, because there's a mortgage product for nearly everyone.
Population average....
Up to 499: 1%
500 - 549: 5%
550 - 599: 7%
600 - 649: 11%
650 - 699: 16%
700 - 749: 20%
750 - 799: 29%
Over 800: 11%
Determined by your...
35% - Your Payment History
30% - Amounts You Owe
15% - Length of Your Credit History
10% - Types of Credit Used
10% - New Credit |
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Tax Man
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The most important cut-offs are
below 680
680-720
720 and higher
680-720 should get you a decent rate, but 720 will get you the best rate possible. |
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skdfjasl
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To have a low interest rate you need a credit score of 700+ that is considered excellent or tr1. |
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Frank Castle
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I suggest you to increase your credit score to a number above the National Average.
Top 3 Answerer in Business & Finance. (Vote for me) |
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Tavita
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Don't waste your time.
I have an immaculate credit score and couldn't get $18,000 unsecured credit consolidation |
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starbellied1975
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to get a good intrest rate you have to have good credit |
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Apple had a bad week.
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Fairly good, I would imagine. Probably a score of 650 - 700. |
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someDumbAmerican
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If you have good credit you will get a better interest rate. Simple as that. Consolidation is the smart thing to do regardless of your credit standing. But remember, pay those debts off. Pay a little extra every month will give you a better score than just paying the minimum.
Good luck! |
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wanderer9782
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Wow! Some of the ignorance among people giving advice is scary!!!!
Look, the simple answer is that in order to get an unsecured debt consolidation loan (aka a personal loan) you need either a high credit score (740 and up which if you had you probably wouldn't need the loan in the first place) or a very good relationship with a particular lender.
The question which should be answered BEFORE you start looking for a loan is "do I really need one." Remember how credit scoring systems work. It's best to have several open accounts all carrying balances less than 50% of your credit limit and to make your payments on time every time. This is the single fastest way to build your credit score up to a point where you can get lower interest cards into which you can transfer your balances from the higher rate cards. In fact, you also be able to negotiate a lower rate from the cards you already have!!
Taking and combining all of your debts into one loan is the exact opposite of what you should be doing. AND DON'T EVEN THINK ABOUT A SECOND MORTGAGE OR HOME EQUITY LOAN. Despite all of the hype for such things you are placing a lien on something which already has a lien on it!! Kills your score. |
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jaime
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to get a decent rate you should have a score of at least 690 |
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