 I am about to make a $500 purchase. Should I get a credit card to buy it? (I am 18 and need credit)? |
So would it be a good idea to go to my bank and apply for a student credit card. And then use it on my purchase, and then pay they bill in full right when it comes?
Will this help my ... |
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 I went to the interview, and the boss likes me , he was staring at me, and said yes after 5 min we met? |
should i take the job?
its a cool job, but i guess i will awlays have to smile and pretend that i like him back , but married, or engaged or a lesbiian , whatever
should i?... |
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 I own a house that my mother gave me? |
| but I recently divorced my husband and he left me in a lot of debt with no way to pay.I intend to pay these debts off when I can get a job but can my house be taken away for any of these debts, I ... |
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 How can I build up my credit when Im only 18? |
| Im only 18 and desperately trying to build up my credit. I was just wondering if anyone knew how I could do so. Thanks!... |
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 Will adding my son to my credit card impact my credit rating, even if he never uses the card? |
My son read that a way to improve his credit rating was
"Add Your Name to Someone Else’s Good Account.
Piggybacking off of someone else’s good credit is an easy way to improve ... |
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 I have a credit card question. My credit card is up to its limit and im making monthly payments to pay it off. |
| Is it a good idea to do a balance transfor to another credit card for lower intrest rates or does that just make it worst. Did anyone ever do a balace transfor? and does it help?... |
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 How do I get my Credit Score? |
I just recieved a personal credit file from Equifax, but it did not include my credit score. How do I go about getting that score?
I live in ... |
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 Why is the lost or stolen number written on the back of your bank/ credit card? |
For goodness sake!!!!
If you lose it you would never know what number to call anyway!!!!!!!!!!!!!!!!!!!.......
Egg's site impressed me though, first thing you see in the &... |
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 Does anyone know of a place that re consolidates private student loans without running your credit report? |
Additional Details
I have about 40k in student loans through Sallie Mae that I just recently brought current and the monthyly payments are $600 and my APR is 18.24% I need to do ... |
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 They put my account as "Charged off"....??..? |
| I have an outstanding balance with a creditor, I called one of debt releif organization. So I am making monthly payments. The collection agency put my account as "charged off". Are they ... |
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 New year and I want to start clearing my debt.. what are some good free debt management companies I can call? |
My debt amounts to about 4000GBP.
I want to start cleaning up my credit file and clearing debits.
I need a decent free debt management company that won't take any of my money in ... |
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 I need 2000 to bail my boyfriend out of jail but i dont have ne credit cards or bank account? |
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ok i dont think it right that you ppl judge my boyfriend not one of you kno him or kno why he is in ther so i really dont think you should judge ... |
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 ING Direct, is it worthy?? |
| I am researchign ING, and see that the ing direct savings account accures 4% interest. Y is it so much higher than normal banks? I am 18 with no credit hostory ( dont kno if that metters), can I open ... |
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 I'm 19 years old, full time college student, thinking of getting a credit card. What should I look for?? |
| I do not currently have a part time job (but I do have money saved up). I wanted a card that will give me points and/or rewards. Any suggestions on where to look? Should I even get one?... |
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| Will my bad credit be renewed when I get married? |
| I live in Texas and because of a hospital bill my credit is bad (the bill is only $35) We want to get married and buy a house and a car and all that good stuff. He has no credit will we be able to do ... |
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.-.-Blaxicana-.-. | I'm 17 and have bad credit! WTF? |
I just got a credit report and I have 2 negative standings. Ones $48 and the other $58. The problem is, I AM 17! They been there since 2004 and 5. I was 13 and 14 at the time. AUGH! What do I do? Sure, I could pay this crap, but I didn't do it, it's on my credit, I'm a minor, and... WTF? How do I fix this?
Additional Details
For the special people:
I did not do it. Why would I have a credit card? I think its fraud. |
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Gala
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Write to each utility company and explain that they have incorrect information. Tell them a bit about yourself--date of birth, where you've lived, never opened any credit at all since you're a minor, etc. Ask that they correct their records and also correct the credit info they sent to Equifax or whoever. Send the letter certified. You may have to be persistent about this, but since you're a minor they should be willing to make more of an effort. Be sure to keep good records of what efforts you have made and keep copies of all your letters.
You should NOT pay these--you should get them removed from your credit. Paying it says "I admit that this is right", and it isn't, and that will impact your credit.
You ALSO need to write to each credit reporting company and tell them the same info, send them a copy of your letter to the utility companies, and demand that they remove the incorrect information. You need to work on this problem from each end.
Something like this happened to my husband--he lived in Oregon when he was in grade school and the EPA wrote him and demanded hundreds of thousands of dollars for an EPA clean-up. He had to explain that to them. They were actually pretty nice about it, especially if you're nice (and funny) about it so the person helping you knows that you don't blame them personally. We have an uncommon name, too, so it was hard for them to believe initially.
Often it's a relative who uses your ID when their own credit is sh!t, so if you recognize an address where they say you "lived", then you will know which relative to look out for, and to check your credit regularly.
I'm sorry this is so long but we've been there--hope it helps, hon! |
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myopiniondoesn'tmatter
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go to www.creditboards.com you can learn how to dispute the items if you really didn't take out the lines of credit then it shouldn't be a problem getting them off your CR Each of the 3 Credit reporting agencies has an online disputeing process I do not recommend this normally but if the debt really isn't yours then you shouldn't have a problem disputing the items.hope this helps |
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eldarwen996
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It probably is fraud. I would get you credit report and that should point you in the right direction. This should be easy to remove from your credit report. Write to these companies who say that you 'owe' them money. Tell them that you are a minor and that since you were a minor at the time, you are not responsible for the debt. I could be a simple error, or identity theft. |
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koldsauce12
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I saw news articles on parents getting cards in their kid's names cause all you really need is a social security number and ruining their credit cause they're in debt...you should ask them, or it might be fraud.
If I remember correctly you have to bring fraud charges against your parents if it was them to get your credit fixed which is a tough thing to do. |
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E.V.E
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If the debt is yours, pay it off.
If you didn't do it, It's pretty obvious that your identity had been compromised. You need to contact credit bureaus and police immediately. |
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wok
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You may be able to simply write the three credit bureaus, experian, equifax and transunion, and ask them to request that it be removed. Tell them it wasn't you. They will verify the info...and it should come off.
I do credit repair with an attorney and sometimes it's that simple and sometimes its not. Don't do the challenge via email or online...that processed is very lax and they may disregard your request. |
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MJK 4 President
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did you call the credit bureau. Usually they can fix stuff like that for you |
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☼AstrologerJuliAnne☼
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Sounds as if your parents used your SSN# to get utilities in their name after they mucked up their own credit. Pretty shameful if this is the case. The way to fix it is to either dispute it; or pay it. |
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clearsky_it
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It's $106 dollars, pay it.
Trust me it's worth it |
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xoxo
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you just suck!
you better pay all your stuff off good. start to gain good credit back. credit is so important. if you start out with bad credit now you might be stuck with it for a while |
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mtr
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You are worried about $106 dollars in debt?
I am happy that I finally have my credit cards down to under $5000, that doesn't even count my college student loans.
If those charges were for something you purchased, pay them, or have your parents pay them. Your credit will be fine.
If those charges were in error, call the people that claim you owe them money and get it figured out.
Also, once you hit college it won't really matter. Most credit card companies do their best to get college kids roaped into their card. You can apply for one, never use it (or pay things off right away) and build your credit easily.
$106 is not a big deal!
Figure out what that money was spent on, what companies are claiming you owe them, and call them. Some times (rarely) there are businesses that allow people to start a tab, with just a name, and when the tab isn't paid all they have to report it with is a name. Some one else could have your same name, or made a name up on the spot that happened to be yours. You can probably prove it wasn't you who made those charges, and get your credit cleared, if it was a case of mistaken identity (or identity theft).
And, as I said before, $106 is not a big deal! It may seem like it now, but in a couple years you will realize that it isn't worth loosing sleep over.
edit:
One thing I hear that happens is people forget to return rented movies, or librairy books, or some other type of rentals, or even when they return them they aren't marked in the vendor's records as being returned, and the charges are made to an account and forgoten until some one runs a credit check. This can be figured out by seeing where you owe the money.
edit: For utility bills, you can prove you live with your parents/guardians (or did at the time of the bills) and prove that it wasn't you. There should be not issues. Call the company directly, tell them what is going on, see what they recomend. |
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yosteezay
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why did you even have a credit card in like middle school hahah . you NEED to pay it theres no other option, especially cause it wouldnt BE THERE enless you spent the $$$ . if you dont fix it now youre gonna have a bad credit history as an adult |
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