 Why do Americans have so much credit card debt? |
| I ask this because a few months ago I had about $1,500 in credit card debt at about 9% interest. I thought this was a lot. Then I read that the average American has credit card debt in the amounts of ... |
|
 My wife is being harassed by a collection agency that we have not heard from in 7 years. Help!? |
| My wife had a credit card that had a $2000 limit on it in 1994. She made payments on it for awhile, but stopped in 1997 when money was tight. She did not receive anything from the credit card ... |
|
 Bad credit without ever having a credit card? |
I need help. I am 26 years old with horrible credit. I have never had a credit card, all of my stuff is from bad decisions and not having steady income. (was a server for almost 9 years)
M... |
|
 Is there a way to get a full credit report for free? |
| I heard once this is possible once a year. Any leads on where I can get this?... |
|
 I need a loan can anyone in the usa help? |
| I am in search of a loan ,,,, I don't want one of those scammers of a private loan company ... i wnat something in the usa ... can any one help !!!... |
|
 Can I get a personal loan if I have a horrible credit history and currently have no open account? |
I Got kicked out of my place and I really need a loan to pay a down payment to this apt. Im moving in to, but Im thousands of dollars in debt and im afraid to open a new account.
Additional D... |
|
 Bad credit help? |
| hi i am 33 years old and over last years i have had bad credit cause of losing my job having a loan with no security ,unable tp pay loads of debts having thins for my partner wich he never payed i ... |
|
 What are the ramifications of not paying a credit card bill at all? |
| if your credit is already destroyed why bother paying the bill? What else can they do to you?... |
|
| Advice on a loan? |
| hi, im currently paying off a credit card of 3000 and a loan of 1000 (lloyds tsb) im not on a high income and im struggling with the repayments. im paying something like 120 a month. can someone ... |
|
 After I pay off 3 credit cards should I close them or keep them open? I want to build more credit.? |
| I was unemployed for a while and wasn't able to keep up with payments so now my credit is not great. I have 2 cards that have been closed but I have been given assistance by the creditors to ... |
|
 Credit Cards? How do I get my own credit card? |
| Today I found out that my credit score is 770. The reasons why my credit score is high is because my parents co signed ro me to get a car loan. I also have a credit card but my parents also have the ... |
|
 How can I get rid of $30,000 in debt easiest? |
| I owe 30k and absolutely do not want to file bankruptcy. I can afford to pay $900 per month but the balance just will not go down. They will not lower my interest rate either. I am skrued?... |
|
 Medical bill - What happens if i just don't pay? |
| My wife went to the emergency room. We have insurance with a high co-pay. We own a home and don't plan on buying another one any time soon. We have enough cash to pay the bill, some in my ... |
|
 How do I get my name off a co-signed car loan? |
| I co-signed on a car loan right before I separated from my husband and later divorced. He has a Ford Explorer of which he hasn't made the payment on for the last 4 1/2 months. No one will allow ... |
|
 Will my bad credit affect my hubby's good credit when he tries to refinance his mortage? |
| I have bad credit, My hubby has great credit. He is looking to refinance a home he purchased before he got married to me and wants us to apply for a refinance loan together, I'm scared that this ... |
|
 Debt - What should I do??? |
| I am a 21 year old college student with about 9000 in credit card debt. I lost my job for a while and fell way behind on all my bills - now I have collection agencies calling me all the time and ... |
|
 My daughter-in-law took out credit cards in our names but refuses to confess, what do I do? |
| I have reported to the credit card companies but it's been seven months and nothing has happened yet. I told them it was her and we have reported it to the police but I still don't know ... |
|
 Why the heck?! (Credit Report question)? |
| I have had a capital one card for years now, it only has a $500 limit w/ a high intrest rate and I have NEVER been late on it. After significantly improving my credit (years of work) I applied for ... |
|
 Who should I go to refinance my house if my credit score is 535.? |
| my credit is 535 my first loan is 148000 and second for 42000 and I need to pay some credit cards for 12000 my house is worth 253000 and I make about 3000 a month. Do you know of any companies or ... |
|
|  |
Jessie Q | How to raise credit score? |
I'm trying to raise my credit score and my score is a 486. I started paying what I owe and my score doesn't even raise after several months. Are there other ways to improve the credit score because i'm trying to finance a car and been turned down left and right. Thanks |
 |
 
Pravda
 |
It takes time to rebuild your credit reputation. Remember the old saying "you name is as good as gold" well the same goes for your credit name/rating. Be patient and apply yourself to learning how never to get yourself into this situation again. May I suggest my web site to you? It is http://www.thecreditrepairmanual.com
Best of luck to you and your family, |
|
Lola D
|
Hi Jessie,
Here are some tips I give my clients when they are looking to improve their credit for a home loan.
1. Never close any accounts. Just pay them down to a zero balance.
2. Paying old accounts could drop your credit score. Focus on paying recently opened accounts.
3. Get a secured credit card. Basically you have to pay a fee for this card but you are borrowing from your own money to re-establish your credit. Buy something small once a month (like $15 worth of gas or food) then pay it immediately. NEVER PAY THIS CARD PASS 30 DAYS!
4. Don't let everyone pull your credit. After so many inquires, your score will drop.
5. If you have open credit cards and they are over the limit, pay them under the limit and pay them to a 30% balance or less (Example if your credit card limit is $100, you should only have $30 on the card).
6. Dispute anything on your credit that is no yours to the three credit bureau agencies.
Hope this helps. Well Wishes. |
|
MysticalMinds
|
As a credit reviewer for cell phones - first everytime you ask for them to give you a loan and they look into, and are turned down - it's a hit to your credit. Most companies, when trying to decide to give you a loan - they look at previous car loans. Make sure you pay your bills on time - if you have a credit card, use it, but pay it in full. That's a biggy. With loans, they look at previous loans they you might have taken out - hopefully you have paid them on all on time - if not, even with decent credit, they can keep turning you down until you have someone co-sign. |
|
helpme
|
timely payment will raise your score. 3 to 6 mo. |
|
nojoke
 |
go to the website. it takes them 4-6 months. but they are good |
|
harish
 |
Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredit.html |
|
txtcain
|
there are a few ways
A. keep rolling over the full amount to other cards but do not cancel them.
B (on the low). if you have bad credit around Xmas time 3 weeks before write to you card holder and tell them to wipe off you bad credit they have a max of a month to respond which they wont cuz of the overwhelming transactions going on |
|
Joe S
|
First, make sure all the information on your credit report is accurate.
Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.
Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.
Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.
Repairing your credit and improving your credit score is a slow process that takes time. Just be patient and follow these steps and you should be on the road to better credit! |
|
traffic814
|
to raise my credit score?
1. Always pay on time or ahead of time.
2. maintain low balances on credit cards
3. keep your total potential debt to earnings load low - If you have a card with a $15000 credit line, you may ask them to reduce it to something more realistic, like $5000.
4. I was told by an underwriter that having just two cards, a major credit card (VISA, MC) and a consumer card (Sears, best buy, etc...) is the best mix for revolving credit.
5. You should have a recent history of both installment or term (Car or house loans) and revolving credit.
------------------------------
http://www.bestcreditrates.net |
|
MI6
|
go to www.adviceontime.com and read the article about credit, this will give you a lot of good info. |
|
RW
|
First make sure there is no negative information on your credit report and if so try and get it fixed.
Make sure you are paying on time or it will definitely lower your credit score.
How much you owe on each credit card. They consider if you have over 75% of your max credit limit it looks bad. |
|
deedoe_2000
|
Just by having a savings and checking regardless of what's in it. Also if you can't get a credit card, than a secured (prepaid) credit card helps raise your score. And stick to your budget and pay all your future bills on time of course. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
14 | 36 minutes(s) ago
| | | |
14 | 54 minutes(s) ago
| | | |
13 | 58 minutes(s) ago
| | | |
14 | 3 hour(s) ago
| | | |
13 | 4 hour(s) ago
| | | |
13 | 6 hour(s) ago
| | | |
13 | 11 hour(s) ago
| | | |
13 | 2 day(s) ago
| | | |
12 | 3 day(s) ago
| | | |
12 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
