 Can you build great credit, without credit cards? If so, how? |
| I am about to have my first job ever, start paying taxes, grown up things you know. I don't want credit cards, I don't want to spend money that I haven't earned, and end up in debt, ... |
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 I need to consolidate my debt through one of those financial counseling places, but also want to keep my C.C.? |
| My biggest debt problem is a credit card that has nearly a 10K balance and about 60% of that is on Cash Advances which has a 25% APR. You see the C.C company has it rigged where making the min. ... |
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 Can I use a credit card to pay on ANOTHER credit card? |
Long story... lol. I just dont want to pay a lot of interest if I have to get cash
Additional Details
Long story... lol. I just dont want to pay a lot of interest if I have to get cash ... |
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 A collection agency drained my bank account, how can I get my money back? |
| I owe a few hundred dollars to my credit card that I hadn't been able to pay yet because of financial difficulties. I recently received a long overdue check from my previous employer for about ... |
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 Should I pay it off all at once? |
| I have a credit card that was cancelled. (We had a rough couple months) It had a very small limit on it. $300. There's $150 left owing on it, and my husband and I are having differance of ... |
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 Will paying off my loan early lower my credit score? |
| I have $140 montly due for my student loan, I want to pay the $1680 once a year insted of remembering to write a check (or worry about what is in my bank account if i set it up to withdraw ... |
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| Is it smart to get a credit card when i turn 18?!? |
im 17 now, and im thinking of getting a credit card to buy alot of stuff i want, plus of course college supplies etc.
what do you think??... |
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 I have a credit monitoring system and my recent credit score was 635? |
| I went to pull my report today and it dropped to 598 I had to charge some medical things for a family member for about 2,000 dollars and used a couple hundred on another card. DO you think that'... |
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 I was late on my credit card payments for three straight months. How much will that affect my credit score? |
| My credit score was 750 before this happened and I have not checked it since the late payments which were Mar,Apr,May of this year. My wife was handling the finances and payed a $50 minumum payment ... |
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 What is the best way to handle outstanding debt? |
| I have previously asked a question and have not got the answers i was seeking. I have a credit card debt that is over 9 years old. I understand all of the legalities of the situation concerning the ... |
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 Is there a possible way to live without credit? |
| Don't you hate being a slave to banks and credit card companies?Even when buying a house, which people think it's theirs but it actually isn't until it's completely paid off like ... |
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 Can a collection agency for a way over due payday loan call the cops on you have have you arrested? |
| Way back in Nov. I had taken out a payday loan, well when it came time to repay I didn't have the money so I took out another loan... I have 7 outstanding loans now..... BAD DEAL!! Well they ... |
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Jacob | How hard is it to get a auto loan ? |
The lease is up on my vehicle, and I need to get into a new auto loan (or lease). The car I am looking at has a sticker of 22,000.00 My credit score is about 630-640 and the person who is co-signing with me is about 660-670. I am not sure if I am going to put a down payment (if so it will be a low one). Is it going to be easy or difficult for me to get a loan in this economy? Any ideas? |
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Emmy
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Another big factor is salary. Do you or your co-sign have a well paying job? The credit scores are (I know, it's annoying) considered fair to good. Depending on the bank, your salary and credit history will be a HUGE factor in this. When I went in, the bank denied me not for my score ( I was told it was perfect for getting an auto loan) but the fact that I am a full time student with no job. Many banks will give you a chance, however, but the interest rate may be high. I can understand the need for a vehicle, but do not fear shopping around at other places and making your own terms (such as I will only pay this...I want this interest rate or it is a no go).
Another important piece I learned from purchasing a car: GET THE LOAN YOURSELF FIRST! You can go to many different banks and apply. This way, you know how much they are willing to approve you for. Then, look at the car. It is much like buying a home: get the financing first then fall in love with the home or expect disappointment.
If it doesn't work out, no worries. Save, get a nice down payment (even 500-1000 can be a HUGE help in getting the loan), then try again in a few months.
Best of luck! |
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Lemuel B
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It might really save you time to just get an auto loan price on the web to verify what todays rates are. You might be really suprised. Also if your credit is not the best, a lot of them are more willing to help you.
What I usually tell folks is that an online quote at http://auto.lowratetoday.com is the way to go. |
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cobalt_blue_0
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I don't think giving out a loan depends on the economy. Either way, you're stimulating the economy. With your credit scores, it shouldn't be difficult at all to get a loan. |
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Faith
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Finding a bad credit auto lender take a little bit of work to find the right one. When looking to buy a new or used car, the dealer may offer bad credit financing, or refer you to a lender. Car buyers should consider arranging their own financing.
http://www.worldbestloans.com/autoloans.htm
Unless you have a 700 or higher credit score, it might be a good idea to look at your credit report and see what you can do to improve your credit score. A 700 score will get you the best rates at the best loan terms.t. |
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noknojon
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Ask the bank / loan agency if that is enough - If the car is with a dealer they may know - |
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