 Credit need to establish ? |
Hey some-one can help me..!!! I need to establish credit... ¿ what it´s the best way to start?
Need help soon
thanks a lot
best ... |
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 What do you do if an identity thief has opened up banks in your name?? |
Just just banks but everything else that they can open up.
Whats the best thing to do?... |
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 Want to get a credit card, bit have bad credit.? |
| well my score is aroung 500. so i was wondering if you know any credit card companies that would approve me.... |
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 Applying for a new mortgage, but my hubby is only doing it based on his wage? |
| will i have a credit check done on me too, or both or just him. the mortgage is going in his name with me just added on cos i'm down as a house wife. do i have to pay for the credit searches?... |
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 In desperate need of advice on buying a home.? |
| Ok. Because I have made mistakes helping folks, I have got myself in a slump. I have a low credit score and I keep working to fix it but still have other bills. I do not use credit cards so ... |
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 How good is a 760 FICO credit score? |
| Considering some credit card debt, and two mortgages?... |
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 Can anyone help with companies claiming to get all ur bank charges paid back, is this a scam? |
| I have been asked to sign a contract and pay £15.00 up front and if i pull out before proceedings are completed i have to pay £500.00 compensation ?... |
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 I have poor credt rating? |
| i realy need a contract phone is there anything i can do????... |
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 How can i repair my credit? |
| i have about $700 in unpaid medical bills.....im 20 so i didnt have any credit to begin with...how bad can my credit be and how can i repair it?... |
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 Time if would take to Improve my Credit score? Any answer is very appreciated!? |
| I have never had a late payment and all I want to do is pay my credit debt off, its just taking a long time becuase of the interest (From 9.9% to 18.35%) and of-course, the amount of debt. I make ... |
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 Car loan at age 18? |
| im 18 and i have no credit. but i have been working for a couple months and my mother has a good paying job but not good credit. i make over 900 a month and im on my last year in high school. i need ... |
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 Should I pay my collections account? |
| I have a medical collections account on my credit report that has been there since Jan of this year (2008). They have been reporting it every month as Key Derogatory (I have no idea what that means).<... |
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 How to get rid of a store credit card.? |
| I recently applied for a job at Macy's, but something came up and I didn't accept the job. I opened the mail today and saw a Macy's credit card! I don't know what to do, and I ... |
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 Credit payments made on due date, charged a late fee due to time difference. Unfair. Suggestions for action? |
| How is it that people on the West Coast can be charged a late fee, even though their payment is paid on the DUE DATE, just because the credit card companies on the East Coast want their payment ... |
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 Is there a home loan that I can get with a bad credit history and still have very low down payments? |
Additional Details
I live in Florida right now and hope to stay here. My credit score is in it's 300s, so that's pretty bad. Can anyone help me?... |
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| Does Debit Card (check card) work online shopping? |
| I was wondering, if i put in my debit card (check card) number on billing info for online shopping, would that work?... |
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booklvr | How much debt do you have? I have about $50,000, including a car loan and consumer. (not including mortgage)? |
Please tell me what your total debt figure is and what does that debt include. (student loan, car loan, credit card, etc) I'm really curious as to what kind and how much debt others have in comparison to mine.
Additional Details
I really appreciate people who take the time to answer questions. Just want to point out though, that I'm not in financial trouble and don't need a loan! I'm just curious about average debt loads. |
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Mander B.
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About $26,000. That includes our car, loan, credit cards. We also have a mortgage and monthly bills to pay but that is separate from this. That $26,000 is all our bad credit. Blahhhh.... |
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SPIFIMAN1
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Around $78,000.00 on my home. No other debts other then utilities, cell phones and Directv. |
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.::rainbow armadillo::.
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My husband and I recently bought a Mazda 3 and owe the car note...our house is paid for, we have no credit card debt and live very simply...so the car and all that entails...then just monthly bills... |
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coleblondehead
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I owe 13,500 in credit card debt only, have
2 mortgages 1 for 78k the other for 20k
We own our 3 cars, my husband has another 10k in ccdebt |
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danigrrl8
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For my hunband and I, we have $7500 on 0% interest credit cards, a 7 year car loan @10% interest rate with a balance of $30,000, and $10,000 in school loans.
So a total of $47,500. |
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N K
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No credit card debt and no auto loan. I co-signed for my brother's car so he can get a good rate but he manages it and has been responsible with it.
I use credit cards to pay all my bills that I can (via auto pay) and buy stuff I need like grocessries and gas (and get 1% cash back) but I pay off the entire balance every month in full so I dont pay any interest on credit cards. Usually the balance reported is about $600 to $800. I tend to use the credit card instead of cash and can get away with it because I dont treat plastic as free money nor go on shopping sprees or buy things spur on the moment. Plus I like the 1% cash back option. If you treat credit cards to replace cash, you will never run into credit problems. You only buy things when you have cash for it right? Treat plastic the same way!
Mortgage is 140,000 off which I have paid $10,000 towards principal in 2 years.
I have read (can't remember the source) that to remain financially solvent and comfortable, your house should not be worth more than 3 times your yearly salary before taxes and your car should not be worth 1/3rd the yearly salary before taxes. Otherwise you are paying too much towards mortgage and car. You should also have 6-12 months of your monthly expenses in your bank account available at you all the time in case something happens to you. Now these are just guidelines. Depending on your spending habits this could alter a wee bit.
I should get myself a new car. She is 13 years old and probably worth $1000 but unless I run her into ground, I dont see a point to spending 25000 on a new car. She can probably last me another 2 years! I can afford a new one but I am cheap like that :)
If you have major revolving debt on credit cards, bring it down. You will be paying entirely too much in APR and will never get out of it. |
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nerdyroberts
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MY PARENTS HAVE ABOUT 100,000
(WITH MORTGAGE UTILITIES AND CELLPHONE BILLS)
IT'S CRAZY HOW SOME PEOPLE CAN OWE MORE THAN THEY MAKE IN A YEAR. DEBT SUCKS ESPECIALLY WHEN YOUR MOM IN A HOARDER AND SPENDER. |
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