 What is the best credit card for me? |
| I'm a student.. so I cant have a big spending limit... and I plan to make payments on it instead of alll at once.... |
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 Would I be able to get a $ 10,000 loan using a credit card? |
| The amount would be to purchase a small home that needs some repairs. This is included in the amount that I would borrow. How much time would I have to repay this $10,000 loan off of a credit card? H... |
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 Is 15 too young to have a credit card? |
| Out of the blue the other day my mom handed me a credit card with my name on it. I had to sign the back and everything. It was soo random. It's cute though it has Tinkerbell on it. Anyway, why ... |
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 How can I Find out if Someone else used MY IDENTITY to get a CREDIT CARD? |
| I SUSPECT THE DEADBEAT MANAGER OF MY APARTMENT BUILDING MY HAVE USED MY NAME, SS NUMBER AND E.T.C INFO TO GET A CREDIT CARD; HOW CAN I CHECK?... |
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 Which should I pay off first? |
The credit card with the LOWEST balance or the credit card with the HIGHEST interest rate?
I always thought you should go after the one with the highest interest rate first so that you don&... |
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 Rejected application for an American Express Platinm card. On what grounds can I appeal? |
I got rejected for an AMEX card for not meeting the "internal credit score". I have a good credit history and am on a good salary. How can I get them to change their decision?
A... |
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 Have you been in debt? how can one get out of thousands of dollars of debt? |
What tips do you have:
changes in life style is one ***no eating out, watching your driving routes to save gas.
What else is there?... |
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 Does paying off credit card balance in full hurt or help credit score? |
| I have my credit account set up to take the full amount of the the credit balance directly out of my checking on the 28th of each month. I have read many different things about building a good credit ... |
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 High Paying Job for a 12 year old? |
| Any high paying jobs for a 12 year old? (I'm saving up for a MacBook Air)... |
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 I need to know every thing about credit card.? |
| I want to get credit cards but i neeed to know every thing about them like stuff like if you spend 20 dollars how much would you have to pay for your credit card i just need to know every thing. HELP... |
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 $ 50 visa gift card? |
How safe is it to give a gift of $50 visa card if the number on it is exposed to everybody on the shelves at the store, before buying it?
Additional Details
I noticed all the cards have ... |
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Autumn Interlude | How high can your credit score go up after being very low? |
My credit score is around 500. I'm 21 years old and I have made some pretty poor decisions regarding my financial obligations. (PLEASE, do not post any negative information or comments telling me to get back on track and how important good credit is. I KNOW THIS and since March of this year, I have gotten back on track.) How much can my score go up after I continue paying my bills on time and get some bills out of collections? Thanks. |
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bdancer222
 |
If those collection accounts have already been charged off and sold off to collection agencies, paying them off won't help you score at all. In fact, initially it will lower your score. The older the item, the less impact on your score. When you pay off old debt, it becomes a current transaction and counts more in your score calculation.
However, creditors look at more than just your score. Paid old debt always looks better.
Get a copy of your credit report and start with the newest derogatory item and work back to the oldest. If you have single entry items like cell phone, medical, utility bills, negotiate a pay for delete. This will help your score but it doesn't work as well for multiple entry items like credit cards. Collection agencies can only remove what they have reported. The original creditor's charge off stays.
If the debt is over 3 years old, offer 25%; 2 or 3 years old, offer 50%; less than 2 years old, offer 75%. Lump sum gets the best deals. Any payment plan has to be short term.
Get any settlement agreement in writing and keep it, along with your payment proof, forever. Do not give collection agencies direct access to your bank account.
It will take a minimum of 24 months of consistent, on time payments to see your score improve.
By the way, FICO scores go up to 850. |
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lynn
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leave the ones in collections alone, every time you call them, make a pmt or whatever, it updates that and it sticks out more. just make your reg pmts to whomever and wait about 6 mos. |
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Cat Person
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Opening a new credit card account helps; you may have to get a secured card, but that's how I improved mine was a secured card and a JCPenney card, and just kept paying my bills on time. Keep at it steadily and be patient...it may take a few years, but it WILL come back up. |
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Cat Lady
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I understand that the highest credit score is 840, and that you will have to keep paying your bills on time, with no late payments for at least one year, to be considered for a better credit score.
Good luck! |
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www.californiacreditsolution.com
 |
As part of the FACT Act, you're entitled to one free credit report from each of the three national credit bureaus every year. Many consumers like the convenience of ordering their free credit reports from
CaliforniaCreditSolution.com.
http://www.californiacreditsolution.com/free_credit_report.html
Look for innaccuracys which are hurting your credit score & report any names addresses or social security numbers which dont belong to you. Dispute all accounts you disagree with. If you want a free credit consultation of your credit report via phone or e-mail (Absolutly free No Strings Attached Privacy Protected non disclosure totally free credit analysis)
Click Here! I'd be happy to help or answer any questions or concerns!
http://www.californiacreditsolution.com/Analysis.html
After you've cleaned up your credit report, the key to rebuilding credit is to get positive information into your record. Acquiring new positive accounts is
just as important as deleting negative information. Here are some suggestions:
If your credit report is missing accounts you pay on time, send the credit bureaus a recent account statement and copies of canceled checks showing
your payment history. Ask that these be added to your report. The credit bureau doesn't have to add this information, but often will.
Use credit to rebuild credit! The one type of positive information creditors like to see in credit reports is credit payment history. If you have a credit
card, use it every month. Make small purchases and pay them off to avoid interest charges.
If you don't have a credit card, apply for one. If your application is rejected, try to find a cosigner or apply for a secured card -- where you deposit some
money into a savings account and then get a credit card with a line of credit close to the amount you deposited.
See all your other Credit Questions answered here!
http://www.californiacreditsolution.com/ |
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photoshop.artbosco
 |
Thank you for your very interesting question!
Try to see the answer to this question at specialized sites! |
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B
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Its going to take about a year of on time payments for it to come up and it may only be a couple points, its not a quick process, Just pay everything thats on your credit on time EVERY time and that is all you can do. |
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DAS
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kat9375 is correct, but you should alway listen to comment negative and positive you can learn alot from this information. Don't be so fast to dismiss this information. Also, you are on a forum, where you are asking us, so whether you pick one person's answer over another one, we still get points and we still get our point across. Your road of recovery could take some time, so you will just have to do the right things, have patient, and be diligent.
Good luck.......................... |
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Bailey B
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ttp://getanswer.prince-d-egypte.ch
you can get much information in this website,stay a minute in website and check anyone link at a time,you can aslo get your answer in Google Search in this website, which has helped me alot |
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