Suzie K
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you'll probably have to start out with a secured credit card. check out www.capitalone.com
They helped me re-establish mine. It took a little while but, now I have a good credit score |
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dmwilson91
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do you have a credit union where you are located, sometime they offer credit building options |
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loser
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I do not know why you would want to borrow money from our leaders. If you looking to reestablish your credit with a lender, go to a bank that you have your checking with and talk to the loan manager, tell him what your doing, He will start out small with a 90 day note, if you do well, he will give you another loan. Good luck. |
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Harvy S
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You could try this credit card. It doesn't check you credit history so you are guaranteed acceptance. It reports to all 3 credit agencies so you can rebuild your credit.
http://creditoffernow.com/imaginecard |
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sawdust62
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Pay off all bills on time and regular. Never be late on payment. After one year reapply for small loan or credit card, you shouldn't have any problems. |
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Daniel L
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leaders?
If your credit is really terrible then start with a savings account and a debit card linked to your savings account.
Open a checking account and never write a bad check. Pay every bill on time. Then get a credit card and only change a few dollars a month. Always pay it off in full each month.
The key to good credit is being reliable by always paying your debts back on time. |
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gum s
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Three Suggestions 1) Consolidate your debts 2) File bankruptcy (bankruptcy is not advised for all cases) 3) Contact a credit counselor:
Ways to Consolidate Debt
http://www.debt-explained.com/category/Ways-to-Consolidate-Debt.html
How to Avoid Bankruptcy Explained
http://www.debt-explained.com/category/How-to-Avoid-Bankruptcy-Explained.html
Credit Counseling Programs
http://www.complete-debt-info.com/category/Credit-Counseling-Programs.html |
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terrieann43
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Some banks offer a secure credit card. With a secure credit card you deposit a certain amount of money (the amount is decided by the bank) and then they issue you a credit card with a limit of that amount. That way if you don't pay, they aren't out their money. They have what you deposited with them. If you make your payments on time you will reestablish some good credit and after a while the bank will give you back your deposit. I don't know if it's still the same, but the minimum deposit used to be $300. |
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kingvin_1st
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with great difficulty |
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yes_its_me
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Unfortunately, you will have to start small and work your way back. Get a secured credit card (where you deposit the money up front and draw from that), and get small items financed lile vacuum cleaners, etc.Get a co-signer on a small loan and pay it back on time. There are lots of ways, build a history and you build credit. |
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I'll try to help
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Several financial institutions will issue "prepaid" credit cards. After a year of so of "good behaviour" you will be able to apply for "regular" credit cards, starting at relatively small limits ($300-$500) which can be gradually increased about every 6 months with continued "good behaviour".
If you aren't sure where to start, contact a credit counselling service. You may find them in the phone book; otherwise call community service agencies in your area, YMCA/YWCA, Salvation Army, etc. Full counselling services are available, or you can just ask specifically about prepaid credit cards. |
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CaptKert
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start out with a checking account, also credit is based on bills paid on time. You can also sign up for secured credit cards that you put money into so you can use them. Also a credit consolidation company works great. Just make sure you choose a reputable one. |
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chuck
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1st: You must file bankruptcy. 2nd: you should start a small home based business. 3rd: Call IRS and get an EIN # (tax ID #). 4th Incorporate your business. 5th apply for credit at office supply stores and gas stations. LAST: PAY YOUR BILLS ON TIME FROM NOW ON!!! |
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NETTA M
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I live and die by my imagine card, but you have to have a checking account. You can pay them early by mail, or on-line and they won't bother your account. It's a guaranteed card. Don't pay them late, Don't pay anyone late it's very important. Also I hear a Rewards 660 is good but don't pay by check, they hold it until it clears the bank. So if it clears after your due date, it's late. Even the company warms you against this. Don't get too many cards, get 1 or 2 and if you can pay them without being late for 6 months. Then reward yourself with something else if you want. |
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