 Is is better to close a credit card when you pay it off or leave it open? |
| I heard that it helps w/ debt to income ratio...I had a few cards, paid some off & transferred balances..now I have two, One w/ a balance on a 0% card & one that is paid off, but still open &... |
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 Capital One Platinum Visa credit card? |
I have a capital one Planity credit card, they gave me a $2000 limit, I'm a college student. My interest is around 20%.
Does anyone else have the Captial one Visa Plantium Credit card and ... |
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 Help - A collection agency is trying to strong arm me!? |
| I've been trying to improve my credit, but with lots of old bills and living paycheck to paycheck, I have a ways to go and it's going to take some time. An old Visa account of mine was ... |
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 Would open up a new line of credit, i.e. credit card, loan, etc. hurt my credit score? |
| My current credit score is mid-500. We are planning to purchase our first home in the near future.... |
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 Is it bad to sign up for credit cards just to get rewards points? |
| I sign up for 5-10 credit cards a year solely based on the fact that they'll give me $50-$100 in rewards points for using it once. I pay my balance in full every month. Is it hurting my credit ... |
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 Bankruptcy? |
| i have recently been imformed that the tsb are gonna try and file for my bankruptcy,if they get it does that mean al my other debts will be non payable as i would be ... |
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 If i get a £6,000 loan out NOW will it affect me getting a mortgage in 18 months? |
| I may have to get a loan out but i will be able to apply for a mortgage on the keyworkers scheme in 18 months. I was taking out the loan to pay off some bills abroad. I only have one credit card with ... |
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 Credit score issue? |
| I need to buy a car ASAP and im scared my interest rate could be high b/c i have an unpaid charge from years ago due to a bill never arriving (i was living in someones home and they said they never ... |
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 Have you ever maxed out your credit card? |
| If so, how long did it take you to pay it off ?... |
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 I want to get a bunch of credit cards, which ones? |
| i want to apply and get like 10 credit cards, what are some of the best places to get them?... |
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 Where do I cash this check at? |
| I was wrote a check from someone who lives in Vermont & I live in Oklahoma so we don't have that bank down here. Can I cash the check at any bank or what?... |
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 Will paying my credit card in advance not improve my credit rating? |
| I generally like putting money on my credit card before making expenditures, as this ensures I won't get charged any interest on any amount and that I can actually afford whatever it is I'm ... |
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 Why do credit collectors have to be rude? |
When I answer the phone and they are rude, I just write it off and refuse to pay. It seems if I could have paid on time I would have - however once they are rude, I am basically done.
I ... |
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 Whats the fastest and guarenteed way to get a loan? with bad credit....? |
| i went to court the other day and they said i had to pay some tickets off within 2 months. the total i have to pay is about 4000.00 dollars. is there somewhere i can go and get a laon? i tried my ... |
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 Does too many credit checks affect your credit scoring? |
| I've had a few credit checks done recently when shopping for loans and stuff - can that affect your overall credit scoring - cos other than that my history is near on perfect so i don't ... |
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Lakeisha W | How to improve credit score |
I am 21 years old and have credit issues.I looked my credit up and it said i have a 600 (D) rating .I only have hospital bills and one cell phone bill.I haven't had anything else in my name but those things but my score is terrible.How can I raise it.I can't get credit cards I have tried or loans to pay on .I have a 30000 a year job but still can't get approved for anything.I am told NO even for bad credit cards or loans.Do i consolidate and pay on them.What else do I do.I have no idea where to start.I really need to increase my score does anyone know little tips on how to do this |
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mariko m
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I recommend you call a local credit restoration company. http://www.tipstoimprovecredit.com They should have some programs for you. |
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Sandra M
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Had the same problem.
Borrow money and then pay it back. You can borrow big amounts without credit if you agree to just hold it in your account until you give it back, with Trade Capital Company. I did it to re-establish credit. Took about 2 months to show up, and about 7 months for the full effect Works though. |
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stan c
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If you have a savings account that the bank could use for collateral, get a small loan for 24 months and pay it back in 12. |
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Jim J
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i had a horrible credit score and i fixed it by goign to http://www.cellsware.info/restorecredit . its a totally nonprofit company that can help you a lot with raising your credit score. |
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Rob
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Your credit score or FICO score affects your entire life and is one of the most important things to take care of. It determines how likely you are to pay back a loan. This number is generated through a series of records kept in your credit file over a lifetime. The reason this score is so important is that it determines what type of rates that will be available for you as a borrower.
There are three main credit bureaus that collect and maintain consumer credit information Equifax, Experian and Transunion.
Here are some of the basic steps on how to improve and maintain a healthy credit score.
Step One: Use credit cards! But make sure you make payments on time.
Step Two: Keep balances low.
Step Three: Pay your bills before they are due.
Step Four: Do not sign up for more credit cards than you need.
Step Five: A closed account does not just disappear. Make sure that there are no payments left with the account before it is closed. |
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helpdesk
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Paying your bills on time is the simplest and best solution. |
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Stephanie
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Consolidating does not necessarily help your credit score. If it will help you get your bills paid off, then I think it would be worth it. Make sure you are making payments every month. As far as building your credit without being approved for a credit card or loan, open a secured credit card. You give the bank money as collateral, they give you the card. Put a small balance on the card and make payments every month. You will notice your score beginning to climb. Also, get a copy of your credit report. Dispute any information that may be reported incorrectly. |
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Joejack
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maybe buy a used car from a lot with a written agreement that they will report your purchase and payments to credit agencies?...i bought a toy from one of these places that i paid 150 a week to until the vehicle was paid off. i asked them to report it, i never missed a payment, but they never did...i think if i had gotten them to in writing it would have boosted my score....somebody check this please. |
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Kids B
 |
Here are two articles will be helpful for you.
How To Improve Your Credit Scores
http://www.apply-best-credit-card.com/how-to-improve-your-credit-scores/
5 steps to improve credit
http://www.apply-best-credit-card.com/5-steps-to-improve-credit/
Good luck! |
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mscardenas
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hi well i was in your shoes at one time i now have has my credit improve by 100 points i had a friend remove bad trade lines i can help.... |
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