 How am I suppose to check my credit score? I've been to.....? |
| freecreditreport.com, truecreditreport.com, annualreport.com and they are ALL USELESS!. All they do is collect your info and thats it nothing else. They say nothing about what my score whether its 600... |
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 Seems like i have no future, pls help....!? |
| I am a single woman and my age is 28 years old. My big problem is, now I have to pay a lot of debts which is not mine. 3 years ago, my sister's business almost colaps and to help her I make a ... |
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 Are there credit card companies that will offer you credit cards if you have bad credit besides secured cards? |
| My scores are around the 525-550 range. Is there a way to get a credit card other than getting a secured card? I have only seen secured cards and cards that have huge fees to start them.... |
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 Sif i use acheque garentee card the company still gets paid doesnt it its the bank that loses out and me? |
| the bank screwed me so i wanna screw them i just dont want some certain businesses losing out im not bothereed if they take me to court so long as the companys get ... |
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 Best Store credit card? |
| I was told to either get a small loan with co-signer which I do not have or a gasstore credit card b/c they are easier to get. However I do not want to make a bunch of inquires to see which one I can ... |
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 What is a good credit card to apply for if you have bad credit? |
| I am paying off bills and I closed all of my card accounts. What is a good, easy and cheap card to reopen my credit with? My credit is not good.... |
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 Do you know anyone who can erase a bankruptcy for a few hundred dollars? |
| I heard that certain people can erase a bankruptcy for a fee. Does anyone know who these people are?... |
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 Check received in mail question? |
| I received a check drawn on an authentic bank ( I looked it up) for an amount and it said I was a winner of a sweepstakes and If I cash it I pay my processing fee with this amount and the rest will ... |
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 I have huge debt, need help, $38,000 in credit card debt and we are a negative $400.00 per month,? |
| We are in our late 50's have 2 mortgages and all this credit card debt, we were just making it and then my husband had 2 colon cancer surgeries in 6 months, I am afraid of debt reduction because ... |
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 Is buying something from a rent-to-own store a good way to build credit? |
| I know they charge way more than buying something outright and I know they charge high interest rates, but I really want to build credit without having to get a credit card or any kind of personal ... |
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 Advice on credit repair? |
Has anyone had experience with or know about the following:
www.creditbureauexperts.com
Credit Justice Services
I am looking into credit repair and would like to know if anyone has ... |
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 Will this work in raising credit score??? |
| O.K. my friend told me to go to a small finance company and take out $300.00 loan in 48 hours exactly 2 days later go in and pay $200.00 on the loan. make sure they report to all 3 credit agency and ... |
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John L | How to build credit? multiple cards? |
Does having multiple credit cards help get you more credit? I have a college visa card, and I use it very often, but a friend told me I should use multiple credit cards to build more credit. |
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cry baby gator
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Pay on the ones you have !! |
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dicey047
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Aruna L "Mr. Snell"
Please review the community guidelines. This site is not for advertising. Your company sounds like a scam. Reporting this answer as abuse. |
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zippythejessi
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There is such a thing as having too many cards and too much credit. Get one more card MAX if you can afford to pay it. If your visa now is maxed every month, pay that one off and then worry about more credit. Or, get a store card or gas card.... |
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beauty s
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U should not have no more then 2 cards, and as long as u are paying them off each month u will be fine.. |
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taylor m
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Credit is not based on how many cards you have, but rather the record that you keep with these companies. If your total charges are close to your credit limit or if you have a bad payment history that will effect your credit badly. Your credit is also based on other items like student loans, car loans, mortgage, utilities, etc. I wouldnt go out and get more cards to get better credit, just try to be consistent with the debt you have. |
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Zuker
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Stay away from the multiple credit trap. Just keep paying the one you have. Especially try to pay the full balance each month if possible. This looks fantastic on your credit report. |
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Patrick
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Paying your bills on time is really the most important issue. Keeping your balances low or paid in full each month is also important. |
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TXgirl
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no, I always have had only one card which is very recommend to have as few as possible. Another thing you can do if you have good credit or once you do is get a personal (or any other) loan for like 1000 or so and pay it off in about 6 months, dont spend it have it to pay it off it self. You wont pay much interest in 6 months. ,live it in you checking account and make auto draft from there each month like that you will get a cheaper rate and you wont forget.
This will build you credit history and you will get better credit.
Never pay late or don't pay at all. Collections are the worst they drop your credit score tons and remember all your bad history does not go away for 7 years.
By the way if you can whenever you can (if not always) payoff your card in full living it at 0 balance or at least payoff the full amount that comes on the bill, like that you wont get charge any interest and you will still get credit history and better credit score.
Good Luck
Try to check you credit history at least once a year or twice if you can look for any suspicions activity and also just so u know everytime someones runs your credit(social security) you get points taken off your score, not many but some. Dont run anything onless you really have to or want to. |
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lola
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the best way to build credit is get a small card put something on the card that you know you can pay off in 1-2 paychecks and pay it that way. the more credit cards you have only mean that people are willing to give you more money...and as long as you take it, they know you'll end up in debt. you'll end up taking on more and more cards....i wanted to build my credit many years ago and started with one card, but that wasn't enough....i got 3 cards, one department store card and had a student loan. i have $15k in debt now and can't get house, car or anything because of my debt. |
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$m¤¤v¥ £¤¢¤
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You are correct to an extent. The scoring system is designed where you should show versatility by using a mixture of credit. 3 revolving (credit cards) and at least 1 paid or currently paying installment account (car loan, personal loan, furniture or appliance loan, student loan, or mortgage). Keep in mind that is designed on a necessity basis. You should only open accounts that you really need and intend on using. Having an overabundance of accounts can potentially hurt you over the long run. The way credit is desgined, if the accounts are properly maintained, there would be no need to open additional accounts becuase the limits would be consistently increased over time with perfect payment history, the interest rates would be at their lowest point. To give an example would be that having 2 credit cards that's been established for 5 years or longer would carry far more weight than having several multiple cards. The likelihood of having a significatly higher credit line and low interest rate would be higher than having multiple cards that haven't been established in a fraction of that time. So in essence, it's the old cliche' of "quality vs. quantity". It would seem more realistic that having 2 cards that long would have high limits because of the lengthy payment history, especially if the payment history's been immaculate. So to answer your question, multiple cards, only if they've been established for a long time can build credit. |
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Allie wishes
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All you need is one card and make sure you pay the balance every month. Remember credit card debt is bad debt so you do not want to accumulate it. Another way to build credit is student loans, car loans, etc. Be very careful of credit cards! |
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