 $18,000.00 in debt and I'm only 22 HELP!!!!? |
| Having an unexpected child, having my appendix removed, my job closed for business, and going to school all at once caught up with me. Wasn't able to pay bills, so i got credit cards. I didn�... |
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 Does anyone know how to get an easy installment personal loan? |
| I am not looking form much, just 500-1000 dollars. I don't have that much of a good credit, maybe 550. I am trying to pay some stuff off so I can only have one payment and that will help my ... |
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 Credit Card Fraud.? |
| A paperless credit card I had for last 5 years was fradulently used for the last 18 months. As I use it very very rarely, and having used in Dec. 2006, I checked the e-mail statement. I was shocked ... |
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 Is it better for me to get a credit card or a debit card? |
| I've never used either one before. Should I start off with a debit card?... |
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 How do I build my credit back up? |
| I am getting ready to pay off my debt but when I do that I know my score will not go up by much. I can't get any loans because my credit is THAT bad. What can I do? I make my car payments but ... |
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 Can getting a American express card help your credit score ? |
| someone told me that they had a credit score of 580 and then they apply for a American Express Card ,and then there credit score went up to 620 , can that really happen?... |
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 Debt collection question? |
| I got a call from a debt collector. She said I could make a check payment over the phone. I told her my account doesn't have enough money in it to do that. My payment is due on March 12th ... |
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 What can I do about high interest rate credit cards? |
| Can I transfer my balances to other credit cards with lower interest rates?... |
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 My cousin looked at my checkbook and I think he wrote down my routing and account #?Is there anything....? |
| he can actually do with that?If he was to order something like on-line or something I would know and know where to find him.And if he was to try paying for a bill or something it would be traced to ... |
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 Does anyone know someone who is willing to provide a 15000 loan with bad credit? |
| i have been trrying to get a loan for quite some time but most of the companies either deny or require me to send the first four months first in order to qualify but i dnt trust sending the money ... |
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| Bankrupt?? |
| If I File For Bank rupcy will they take my house and my car if there not payed ... |
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 I just paid off credit problems in March, how long before it's okay to start applying for new credit? |
| I just recently paid off all of my credit problems and was wondering how long should I wait to apply for credit to attempt to re-establish my credit. Also, how long does it take to start ... |
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 Are there any benefits to paying off the debt that I owe? |
| What I mean is that I am hearing that negative information stays on your credit report for 7 years, even if it is paid off. So is there even a point in paying it off if it won't benefit my ... |
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frmny718 | How to repair your credit? |
Once you have paid off your debt how do you increase your credit score |
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Laura2
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Use your credit and pay it off every month. This shows that you can use and manage it. |
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Gone fishin'
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Pay everything off on time and don't spend money you don't have! |
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RedSoxFan
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Make all payments on time, avoid opening new accounts, and don't carry large balances on credit cards - those are the 3 main factors for increasing your credit score. It takes time for credit to repair itself, but by keeping the same accounts, paying on time and making sure you do not max out your revolving credit, your score will increase. |
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luciousgreeneyedlady
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slowly |
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Vanessa
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Use your credit card, pay it. It's not necessary to pay the balance in full each month. I've heard that it actually helps your credit if you leave a balance on it some months. DO NOT EVER pay it late because you will lose a significant amount from your credit score just for ONE late payment. Sometimes up to 100 points for one late payment! Don't apply for too many things in one year, like credit cards, bank loans, credit from a furniture store..., because that also negatively affects your credit. I checked with a mortgage broker for my credit score and it is 730 which is pretty good. |
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mktgurl
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If you are debt-free, you can also take out a small personal loan, say $10,000, and pay that back to the bank faithfully (no missed or late payments). That will raise your credit score.
You can buy a car with financing, pay the auto loan over the life of the loan (usually 3-6 years), with no missed or late payments, and that will also raise your credit score.
You can apply for a gas credit card, one of those credit cards that you can get at a gas station. They usually have low maximum balances, and you can establish a credit history with them.
However, if you are shopping for a house and need to show that you have a good credit score, do NOT shop around for a loan. You need to use one mortgage broker who will shop around for you. If you show multiple inquiries on your credit report it suggests to potential lenders that you are trying to seek more credit, and oddly enough your score will get worse.
You can check your credit report for free, once every 12 months.
Also, frequently moving your residence may decrease your credit rating as well since credit is built up over time, when you show stability and financial responsibility.
Having an excellent credit rating is not a privilege, you earn it and you learn how to manage your own finances. |
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Lisa A
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Use the credit you have. Pay it in full each and every month. Never make a late payment. Do this for 7 years. Voila. you will have perfect credit. |
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marie a
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try this:
Step-by-Step Credit Repair Guide
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html |
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Flyby
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It takes time to repair your credit. If you have other debt just keep making payments on time. If you need to purchase a car, monthly payments can help rebuild your credit. Using a credit card can help you as long as you keep a low balance and keep the available credit under 25% of the limit. If you don't have a credit card and are unable to get one at this time, you may be able to get one that is secured. Basically, the way these work is that you make a cash deposit and that is the amount of your credit limit. When the bill comes, pay the balance off in full. Never charge more than you can pay off at the end of the month. You should start to see some improvement within a few months. |
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gtofinancial.tomvoli
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This can be done easily by establishing some positive reporting accounts.
Here is some additional info. Hope this helps. |
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harris_glo
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I was able to repair my credit just from reading credit message boards and forums. I have listed a few. Just by reading and gaining knowledge, I was able to bring my credit score from 560 to 704. It takes a little work but it's worth it. |
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Tammie H
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What i did i had to file bankruptsy in Feb. got credit card by Sept. Keep bills paid on time. I am in the high 600's now. |
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