 Credit cards? |
| My husband has a credit score of 525 and we are trying to improve his score. We are paying off all the debt that is on his credit with our tax return and we are looking for a good credit card for ... |
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 Can you pay for something at the store with all the credit card information but no credit card? |
My dad lives in a different state and is going to pay for my prom dress, so he gave me all his credit card information.
I could of course use it to buy a dress online, but that would be ... |
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 Debt collectors? |
| I have got a statement from a debt that is at least 9 years old , I had to quit work because of a disability and now I draw disability ,I have been told I should seek a attorney to see what to do ,... |
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 Credit scores? |
| whats the best way to raise my credit score? and also how does it work? does it matter if i paid off my vehicle and paid off my credit cards??? need some answers!!... |
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 HELP ME PLEASE!!! (dont ignore this question!!!)? |
| ok, i bought an iTunes card, my payment method is none, i entered my code, it worked it says 20$ on the top, everytime i try to buy something, it says please edit your payment info, i dont have a ... |
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 What should I do if a collection agency won't accept my payments? |
| Okay, so my husband has a debt with a collection agency. We want to pay off the debt and when I called I told them we could pay $100 a month. They said that they would not accept this because it ... |
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 I have $11,000 dollars in credit card debt spread over 4 different credit cards.? |
| I have moved to Hong Kong where I will be for at least 5 years. My company pays for my apartment and I will never need a car so credit isn't important to me. I was planning on waiting for my end ... |
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 Is it even worth it to continue paying your credit cards on time if you're in my situation? HELP! |
| Ok, so I have posted several questions in regards to my credit card debt and am still very unsure of what direction to take...I have about $30,000 in CC debt with two companies..Citi & Chase...... |
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 I'm a college student and i want to get a credit card to establish credit. Which one do you suggest i get? |
| Should i get one for college students or just a regular one, if they give it to me. i heard capital one will give them to pratically anyone! and like what apr is toooo HIGH?... |
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 Credit Reports and Scores?? |
| Does anyone know what website is the best to get your FREE credit score and report other than free credit report.com because they are a big scam. I need to check my credit in a bad way, but not have ... |
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 Filed Ch 7 Bankruptcy- How long till I can buy a house a a decent interest rate? |
| My Ch 7 Bankruptcy was discharged in late November 07. how long till my credit is decent enough to purchase a house at a decent interest rate? assuming all bills are paid on time from here on out...??... |
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| What are some good ways to turn around bad credit? I can't afford to pay the bills that I owe right now!? |
| But I was hoping to find some ways of building my credit even though it is already bad. I am hoping to eventually pay the debt that I owe, but what can I do to be helping my credit in the meantime....... |
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| I want to buy a house my credit score is almost 700, income is only 25000 year and I have a 400 car payment? |
| Is there anyway I can get a home loan? I only want to borrow around 50000-60000. Other than my car payment I do have some student loan debt. My plans are to refinance my car or downgrade before ... |
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 Is it legal for a credit card company to charge you fees before you've even activated your card? |
| I opened a credit card account and somehow missed the small print, where they said there was a $39.00 activation fee and a $60 annual fee. I realized my mistake when they sent me my card, so I didn&#... |
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D The Don | How to build credit score, Just got first credit card do i max it and pay it off slowly or what do you rec.? |
any recommendations |
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fairly smart
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Don't just max it, that makes companies nervous. Buy something reasonable, & pay it off, then buy something else & pay it off within a reasonable time. Pay more than the monthly charge. Just keep doing this for a while, till you show a pattern of payment. If you get another, do the same, but always pay more than minimum, & pay it off in a reasonable time. That will help build good credit! |
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~Seamaster~
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what ever you do, don't max it out. that will lower your score. the credit bureaus want to see a responsibile use of credit AND a healthy debt to income ratio. That means put a few hundred dollars on the card and either pay off the balance every month or at least pay half the balance. Don't let it get too high and never max it out. |
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SPIFIMAN1
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The best way to build score is to use it for everyday thing never exceed 30% of your credit limit and pay in full before the due date.
Example: If your credit limit is $500.00, never exceed $150.00 in any given month.
Do this for several months and your score will shoot up and the credit card company will increase your limit. |
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builderofcredit
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So you're interested in building your credit score. There are many thing that you can do to establish your credit. In fact there are lots of options online that are available to help you in this endeavor. I found this site to be very useful so I might share this to you as well. Try this site: http://www.buildingcreditforstudents.com they have a broad range of resource relevant to building credit. |
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Amanda
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The first poster is right in how to use the credit to build your credit score. As for people who say don't use credit because you don't need it are wrong. If you want good car insurance rates they use your credit report, if you want to get an apartment you need good credit, if you want a job some employers check your credit. Credit is good for alot more then debt. Use it responsibly and it will help you save alot of money in the long run. Never use more then 30% of your available credit and pay on time every time. Paying off in full every month is preferable |
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kim h
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DO NOT MAX IT. You get a credit history by paying on time. Use it monthly for something that you were going to buy anyway. Groceries, gas, prescriptions, etc. and pay IN FULL EVERY MONTH. You want to have good credit. Perfect credit actually. |
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CrackBerry Addict
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I would encourage you not to even use the card at all. You have already opened the account, so don't close it.
The only reason you need a good credit score is to...get more credit. (I called it debt.) What would happen if you used your own money for everything? It would force you to be more frugal with spending. I say save up about $500-$1,000 in a money market account, where your money will earn interest. This can be an emergency fund. Should you ever need a loan (like for a house) you can use a lender that does their own actual underwriting. They look at other things (besides a credit score) to determine your credit worthiness.
Do yourself a favor and cut up the card now. I think you will thank yourself later when you AREN'T in debt. |
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robert w
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Devin,
have u ever played with rattlers coppermouth watermocassins(snakes)?
suggest u learn what banks creditslave cards pray u never ever learn - how to own ur money not be owned by it.
visit daveramsey.com u'll be surprised at what u need to learn b4 u Burn. |
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rpf5
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Kitch ( the previous poster) is absolutly correct!!
There is no rule that says you have to use it, debt is not fun.
Keep it for those rare times that a card is required and just
grin when you hear others talk about how much they owe knowing that it doesn't apply to you. Your score will take care of itself. |
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