 Why am I not getting approved? |
I am a 19 year old student who is trying to establish credit. I know in my future that I am going to need a good credit score to rent an apartment, buy a car, etc, so I want to start now.
... |
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 I have a creditor making threats- what should I do? |
| I have a credit card that I owe a fairly small amount on ($1200) but I am currently unemployed and looking for work, meaning I don't have the amount to pay it. However, the agency handling is ... |
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 Is it common for credit card companies to call you to verify your social security number? |
| i just applied for my frist credit card at citigroup recently, & i just got a call from a private number. the woman on the phone told me that she was processing my application & she repeated ... |
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 Are credit management companies a good idea to eliminate debt? |
| I'm going through a credit management company to help me lower my debt. I am about $15K in the hole with various credit cards and department store credit cards. I mailed out cease and desist ... |
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 Will this hurt my credit? |
I had a credit card for over 6 months with a limit of $500. I always left it under $70 charged on the card and I always pay more then the minumum payment due.
But this last month I got it ... |
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 Do you know the number for capitcal one, to pay a credit card bill? |
Additional Details
Are you lot being serious! I just need the number for it and I cant get onto the website for some reason, and it isn't on the back of my card!!... |
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 Our credit scores are 520 and 580 - we make about 90000 yrly - can we get a mortgage in the next 6 months? |
| We filed bankrupcy in 2000 and have had a charge off that was paid in full - currently we have small past due acounts all about 2 yrs or older. We have 5 credit cards that we opened within the last ... |
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 Impossible to get a credit card or loan..? |
Is it me or is it nearly impossible to get a credit card or loan with any negative information on your credit report??
I remember back in the day where they gave out credit cards like ... |
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 Score currently crap (601equifax, 595 experian, and 549 trans)? |
| My score was 750 until my spouse lost his good paying job, and couldnt get equivelant pay so our income drastically dropped. We continued to pay good on house and cars, and tried to make cc payments.... |
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 How can I improve my Credit rating in order to get just one credit card? |
| There has been some sort of bad credit go against me due to a dispute I had with a lender a few years back. I have nevertheless settled all my debts in full but this bad credit rating still remains. I... |
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 What do i do now? |
| Lately i have been receiving weird e-mails.Saying that i need to give them my account number,my full name and my passport number because of someone i hardly knew that had died in 1998.His name is Mr. ... |
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 Must wife pay credit card debt of deceased husband? |
| will wife assets be used to pay credit card debt of deceased husband with no liquid or hard ... |
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 Bad credit history, who to turn to for credit help ? |
| I have a fairly bad credit history, but need to get a credit card, can anyone sugest who to apply to please.... |
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 Which bank will give a discharged bankrutee a visa card? |
| A friend of mine was discharged from her bankruptcy early december last yr and wants to get a visa card so she can pay for goods in shops and over the net.She doesnt want an overdraft or any credit, ... |
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 Am I going to be forced to live in a cardboard box? |
| I will graduate in 2 weeks with a Master's degree in Mental Health Counseling. Yes, this is a great accomplishment, but it has come with a hefty pricetag of about $90,000 (undergrad debt ... |
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 Does your credit score go down everytime somebody checks it? |
| Ive heard that and I was wondering how many times does it take for your credit score to decrease? Im trying to buy a car and two dealerships have checked it so far but i want to try one more car ... |
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 Pay off car, or pay off credit card? If anyone can give me financial advice it would be appreciated.? |
Ok, so here is the sisuation.
I have a new car loan for 21,000K dollars, at 8.5% interest. My payment is about 390$ a month.
I owe a installment payment to Bank of America, for two credit ... |
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Tisa | How to boost your credit score quick????? |
how?? Anyone got any tips? |
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Mrs. Potts-Reilly
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Pay more than minimum on charge accounts, don't have too many credit cards. |
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prepaidyeh!
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there are many ways to fix your credit even by yourself but it takes knowledge in doing so i have no quick way of telling you how and dont have the hrs it takes to explain so i will just say this you are by law under the fair credit reporting act able to access and challedge anything you find fictitious or derogatory to your credit that does not mean they will fix it if the creditor challedges you but you do have those rights good luck |
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Ricky J.
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Pay your bills QUICK!!! just kidding. The fastest way by far is to artificially inflate your equity. This outweighs your deficiencies and gives you temporary leverage. It's only temporary though. You must capitalize on it as quickly as possible. |
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Ifeelyourpain
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Here are a few tricks that I have learned over the years. If you have a few late payments, call the credit card or service companies and tell them that you are needing to clean up your credit score to buy a home. Ask them (politely) if there's anything that they can do to make the late payments go away. Usually, if you are not a chronic offender, they will help you out.
Another thing you can do is stop applying for every credit card that you see.
Also -- if you are trying to get a home loan, don't let too many lenders pull your credit, that will make your score go down, down, down!
Go to annualcreditreport.com and get your credit report. Check to see what judgments are holding you back. Call each company and talk to their customer service reps. Do whatever you can to boost your score. If they will give you additional credit, take it -- but don't use it. Keep your debt to income ratio low.
Hopefully, before too long, you will see your score go up. |
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OptionNFA
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Nope, None That I Know |
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bostonianinmo
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Get any errors corrected. There is no other way to boost it quickly. Most people's credit files have errors so it's worth taking a critical look. |
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Hoa N
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you didn't say how quick?
paid down your debt to be the first good step |
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da skoolar
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sell your house |
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MICHELLE R
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First, get a copy of all 3 of your credit reports. All consumers in the US can now get one for free at www.annualcreditreport.com. Correct all positive information on your credit reports. Pay down revolving charge cards to below 50% of your limits. This is a big one. 35% of your credit scores are affected by your balance/credit limit ratio. Try to remove as much negative information as possible by disputing it with the credit bureaus. (This is something that will take some time but would be worth it in the long run.) I would suggest reading any books by Stephen Snyder. He has worked with Fair Isaac and Company to find out as much about FICO scores as possible and share it with consumers. (He's even found out some information that is not generally shared with the public.) He has also helped a lot of people recover their credit after bankruptcy by giving seminars all over the country. You can get information on his books at www.amazon.com or you can also go to his web site www.lifeafterbankruptcy.com. Even if you've never filed bankruptcy, his information may help you. You can also get information about disputing the negative information on your credit reports at www.bradleyrosslaw.com. They are a legitimate law firm specializing in credit repair and Mr. Snyder recommends them because he has used them himself in the past to help increase his own scores. |
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