 Is it smart to pay off student loans with a credit card? |
| lets assume i can find a way to have my credit card pay for my direct loans. credit card is 0% apr for 12 months and loans is 3.5% fixed. Assuming i can pay off everything in 12 months, should i do ... |
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 Can paying off old delinquent and charged off accounts improve my credit? |
| I am trying to repair my credit. I have a lot of delinquent and charged off accounts. Will my credit still improve even though they have already been charged off?... |
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 How do I build/repair my credit score? |
| I have very limited credit history. I started this January. I read that I have to get a few credit cards to build credit history. I have a secured card from Citibank which only has 200 credit limit. ... |
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 Can my credit card used by another person ? |
Hi ..
I have a credit card, and I want to lend it to my sister. Can she use that credit card free ? I mean, normally I have to sign when I pay using the card, so is it OK if my sister use ... |
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 Will i be found by debt collectors in other country? |
| Im moving a country for good, as my fiancee not from here.I dont know when i will get job in other country, but i have loan here and credit card.If i stop paid can they find me in other country.And ... |
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 Do you think credit should be taught in junior high or highschool? |
| My parents did a great job raising me. They taught me so many things, but they failed in one area - teaching me ANYTHING about credit: how it works, how important it is, how to use it instead of ... |
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 Can I pay my current credit card bill in advance so I'll be credited when my next bill comes.? |
| I just received my bill. I made a big purchase just after the current bill cycle ended so I don't see that purchase on there. I would like to pay extra on this current bill so I'll be ... |
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 Credit card for bad credit.? |
| Im not sure how good/bad my credit is as im waiting for report, im fairly sure its quit bad though. What credit cards are the best for bad credit rating? Ive already been declined by capital one and ... |
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 Can a 17 year old get a loan? |
with a cosigner with good credit?
or can my parents get a loan for 4 thousand and can it be transfered to me when i am 18?
i have 2 thousand already i have been saving ... |
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 Do credit repair Co. really repair you credit by improving your credit score? |
| I was wondering if anyone who has been to these credit repair companies? If so, do they really repair your credit? Bye how much? How much did it cost? How long was the process? What's the ... |
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 We are on 2 years ARM of house mortgage and want to refinace.? |
| Our 2 years ARM house loan is coming up on next July and we plan to refinance our house loan. We plan to get a loan thru wellsfargo. What should we do? Will we need to pay lots of penalty for our ... |
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 Should I pay my credit cards in full or just the minimum?? |
| I've heard very different responses from many people and I don't know which one is true. My dad said to not constantly pay in full and others are telling me to pay in full every month. S... |
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 I have a problem paying 1 credit card, please read on & help, if you've been thru it or know what's best |
| I have several credit cards & a loan. I've always paid my payments, perfectly. One card, however, is becoming very difficult. I guess it's the "fine print" kicking in. So I... |
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| Does applying for too many credit cards hurt your credit score? |
| I have excellent credit and do not need any more cards, but some of the offers we receive in the mail look too good to pass up. Is it harmful to obtain them and then later cancel them, if you ... |
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 How long does credit delinquency stay on record? |
| I had a late payment of 180 days (don't even ask) but now I'm making payments. So would that still pop up as a current delinquency if iI were to apply for something like a motorcycle. or ... |
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| My mom is ruining my credit, what do I do? |
| A couple years ago, I didnt have any credit, and my mom added me to her credit card. She said it would only help it. Well what she was really doing was hiding the credit card from my dad under my ... |
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ot | How long is bad credit on your record? |
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 |
 
Chatraye
 |
7 years. Mind you, creditors can still try to harass you after this time, but avoid them at all costs. They often try to hook you in with lies and have been found to use illegal practices. |
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Pravda
|
Generally an item will stay on your record for seven years. If need help repairing your credit like most us do then visit:
http://www.thecreditrepairmanual.com
there you can learn all that you need to know to do it yourself! |
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Isabella
 |
seven long years . |
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KristinaMaria
|
from my understanding, it is 7 years. |
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Michele H
 |
generally (it may depend on State) inquiries 2 years, credit good or bad 7 years and judgments, BK, foreclosure 10 years. If you establish a good payment history within a year your score goes up.
If you buy a vehicle, for example, it is very common practice that the dealership sends your ssn to several different co. for approval and best interest rate. This can be damaging as it shows several inquiries worth a few points each and if you go with one company a future lender may wonder why you have all these inquiries with no credit established with these companies therefore thinking you are a high credit risk and high credit risk means high payment and interest. So do your homework and negotiate first, app later what if you aren't happy with terms?
keep a balance on credit cards, but keep it to only about 25% of your total limit. Keep 1 or 2 department store cards, a gas card and a major credit card generally. Too much credit and/or available credit also makes you a higher risk companies see this as you can go crazy with 15 cards and then file a BK.
I know this is long, but I hope it was helpful. |
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benbardot
|
Usually seven years, but in the mean time you can still get secured loans or credit which can be used to rebuild your credit.
Visit http://www.cheap-credit-cards.org for more info on credit repair |
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jamesPurple
|
5 to 10 years.
But you still can improve your credit score before that time : http://index-go.com/improve-credit-score-get-out-of-debts-fast.asp
Good luck ! |
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lost d
|
most of the time your credit rating is up in 7 years |
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gabriel jones
 |
Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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Click
|
I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you. |
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hendy h
 |
7 years........:(
Step-by-Step Credit Repair Guide
Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in |
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*G*
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7 years.... but you will look favorable if you set a good payment histories now on your report... and your score will rise |
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