 Loan help? |
i really need a loan, i have been offered one from advantage loans but i have to pay £49.50 set up fee first. alrm bells are ringing i have a really bad feeling about this company.
my credit ... |
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 If I don't use my Victoria's Secret credit card will it make my credit bad? |
I got a credit card from there because it saved me 10% on....something. : )
I thought it was just a discount card not a credit card. I doubt I'll use it that much.... |
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 I just got a job at arbys im 16 my mom said i wouldnt be able to get a credit card because i have to at least |
| my mom said i wouldnt be able to get a credit card until i have had my job for at least a year is that true the reason i want a credit card is so i can build up my credit so i can get a ... |
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 Havent been able to make loan payment in 6 mo, owe bank $8,000 credit already shot,whats going to happen now? |
| im scared and dont know what to expect, ive not been able to make my bank payments in months,(owe about 8,000) and they want to repo my boat, they can have it, but i still cant pay so what will ... |
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 Credit card question.......? |
| Is it legal -in the state of Ky-to get a credit card in my child's name and soc. sec. #? He is only 6 years old, so he wouldn't be using the card and probably wouldn't even know about ... |
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 I have been receiving message from my answer machine, that is a pre-recorded message claim they are a debt? |
| collector and try to collect from somebody that I never heard of, and leave a number for me to call them back, I am not sure is it a scam from them trying to collect personal info from me. What do ... |
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 Am I doing the right thing by not having a credit card? |
| I am in my mid-20s & I never had a credit card. I've always managed money well & I'm always getting pre-approved offers, but I've declined them. My friends look at me like I... |
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 I need a loan/bad credit due to loss of job? |
| I have a full time job/anyplace i can get a loan with no crdit ... |
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 I need to pay my credit card off as quickly as possible? |
| Would appreciate tips on how to be economical in day to day life?... |
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 Help writing this letter.....? |
| I want to write to the debt agency and explain why I have not been able to make payment in the last three months. Also briefly explain my current situation. Also offer to set a direct debit with the ... |
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 Credit score on first date what's up with this chick? |
| Last weekend I went on a date and the chick asked me about my credit score which was very odd . What do you think she would asked for my credit score? Is she trying to figure out if i'm ok for a ... |
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 What is your credit card debt like? |
| Are you in too deep or are you managing it?... |
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 Getting out of Debt!!? |
| I currently have 6 seriously delinquent/charged off accounts totaling about $9,000 and one $11,000 car loan that is current and paid on every month. This is technically my only revolving credit. I ... |
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Jack Draven | How the crap can a young person with no credit build credit if they are always denied credit? |
I am 22 years old with no credit history. I want to try and start building credit, but everyone denies me. Where do I begin? |
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Merry Prankster
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get a phone bill in your name and pay it. that's what i did. |
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michaelsgdec
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get a steady job and submit a paystub with your application |
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Iloveshane
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everyone says get a secured card but be careful with that. i did that once and after i got it and paid the fee and had my money loaded on it..which seem just like a debit card...when i could have just used the one my bank gave me...wtf. i found out they didnt even report to the credit bureus. what i did is bought a car--wasnt a buy her pay here thing. But they had a finance company that basically approved almost everyone as long as you had your job for a while and etc.etc. anyways the interest was thru the roof like 22% well after making payments for 6months. i got offers in the mail for credit cards and got one that way...so whatever you do make sure they report to credit burreaus not all secured cards do this..or get a co signer for a small loan at your bank..like 500 bucks or somthing and as long asyou pay on time..that will build your credit eventually youll be able to get cc's etc...just dont do too much to fast. oh and every time you apply for credit that lowers your score a lil so becareful with that... |
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Dan B
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There are articles on this matter. Check it out |
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SlimMick
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Get a secured card and pay on time....Whatever you do....don't just blindly fill out tons of applications, thinking that someone will accept you. Filling out a lot of credit applications at once can cause your credit score to tank. |
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robert w
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visit dave ramsey.com to learn ur hard lessons from others hard mistakes.
credit slavery is rampant . |
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Stephanie73
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Start out with a secured card. You deposit money into a savings account and receive a credit card with a credit limit equal to your savings balance. Use that card, and pay your bill on time every time. Once you've had this card for a while (at least 6 months), you can apply for an unsecured credit card (try someone like Capital One or WaMu that doesn't require you to have excellent credit). Don't apply for too many though, because the number of inquiries on your credit report can lower your credit score. Just take it slow, and keep paying your bills on time all the time, and in a few years, you should have a good credit score. |
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Pointy
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I share your sentiments and I know a lot out there have had this experience before.
I started with a gas card (Shell and Chevron) and my bank (Bank of America) gave me a credit card. After a year of paying my bills religiously on time, I was able to buy me my first car. |
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oj
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Secured credit cards/cards meant for people with no/bad credit, etc. Make your payments on time. Carrying a small balance can actually help your credit, but don't get yourself in trouble. Auto loans help build your credit as well. |
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pai
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Syart steadily. Dont default. Be very regular. Preferably start on debit card.. Good luck. |
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Remy Lebeau!
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try bank of america. Im 20, never had a job before, and they gave me one. Hell I now have an American Express=). But bank of america want kids to get cards. Make sure you pay your bill. I pay mine off completly every month. Good luck |
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nick
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orchard bank will approve you i gurantee it plus its a credit card that reports to the bureus evry monthe plus they give you a descent credit line cool better score in 6 monthS!!!!! just go to orchard bank.com |
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Sharon F
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i can understand your frustration; you can get approved by applying for a secured credit card |
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heybulldog
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To build credit you have to borrow money and make payments on time. To keep a high credit score you have to keep borrowing money and keep making payments on time.
All you get is debt.
All it's good for is getting in debt.
Your credit score is based solely on debt.
How much debt you have.
How long you have been in debt.
How often you make payments on debt.
What kinda debt you have.
It's actually an I love debt score.
You have to love being in debt and worshiping the score to get a high score and keep it.
Pay as you go. Live on less than you make and you will have money.
of course the bankers and loyal followers are gonna tell you different.
Debt free is the way to be! |
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