 How do i pay for somethin on ebay with a money order? |
| hello, well i want to order a cell phone off ebay i did my homework on the product and seems fine. it says accepts money orders which is fine but how does it work??? I make a money order if i win the ... |
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 Is it true that a debt can dissapear from your credit history after 6yrs? |
| Well I was told by my co-worker from her own experience that she owed credit card companies when whe was 18 and never payed for them.. Well as she told me Collection companies kept calling her ... |
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 Please someone tell me a way to get out of the payday loan crunch when payday loans eat up a big part of my? |
| I have been in the payday loan crunch for several years now and trying to get out of the trap,need advice on what kind of a loan i can get to totally get rid of this payday disease,it seems to ... |
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 How can paypal take money out of a closed account ? |
Additional Details
apart from the sign up information where they ask for a credit card number my bank account is not connected to ... |
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 I have a problem with spending before paying...any suggestions? |
| I have plenty of bills, some later than others...I know they need to be taken care of and i keep telling myself that I will...but when payday comes I fell the need to spend on irrelevant items and ... |
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 I owe $10,010.14 to my three credit cards put together, i need help really bad real soon!? |
| Is there anyway i can maybe apply for another card and pay my creadit cards with that new card that way i just have 1 card to pay off that would make my life sooo much better living on my own sucks i ... |
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 What can you do about a collection agency calling for different person? |
| Colection Agency continuously calls for my father on my home and cell after I repeatedly prove it is not me and give details where he is and yet they still call. What grounds do I have and what all ... |
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 If I don't plan on ever buying a new car or buying a house, should I not care about having good credit? |
| I think i'll never buy a house and I always get used card and pay cash for them. Why should i care if my credit is not good?... |
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 Yes loans have offered me a loan? |
| yes loans have offered me a loan for £2000 at £65 a month the interest is an extra £1200 this is the only sort of place were i can get a loan as i have a really bad credit rating . do you think ... |
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 Should I report a family member for credit card fraud & identity theft? |
| I'm debating turning in my Aunt. She is a cleptomaniac and she steals people's identity to get credit cards in their name. She is out of control. I love her but she needs help but I'm ... |
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| I'm trying to get a home loan. Do you have any tips? (considering the following)? |
Theres going to be me and another person, but both of us have no so good credit scores. We're both working on it, and we have about 2000 to put down.
Any tips would be greatly ... |
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 Serious question: What happens when you get married to someone w/ terrible credit? |
| I have excellent credit & I’m getting married to someone w/ terrible credit, tax leans, & such. What will happen to me when we get married will my credit get ruined? Should I not change ... |
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 What would two 18 year olds need to do to rent an apartment with no credit history? Is it possible? |
| What would we have to do to get an apartment? How do we get credit? If our credit isn't bad because we haven't used it, can we still be approved? Would we have to co-sign with a person ... |
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 Using a Credit Card to Pay Off a Credit Card? |
Does anyone know a way to use a credit card to pay off a credit card and in the process no interest is accumulated?
Additional Details
Lets say I have two credit cards. I use one and ... |
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 PayPal, eBay question? |
Does the seller have to pay the PayPal fees if I pay for an auction item with a credit card through PayPal? Are there any other rules on this for eBay?
Additional Details
I have a ... |
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ßrϊtt ßrϊℓℓϊaηcε | I'm 19 and I Have NO credit....? |
i'm 19, i don't have any credit, i don't have anything in my name, not even my cell phone (it was my mother's bright idea to put it in her name, worst mistake ever). i have a checking account, but i'm not sure if that really helps my credit or not. and i'm thinking about getting a credit card, but i know with my spending habits (which i'm trying to control), that may not be the best thing for me. what can i do to get credit?
Additional Details
and i didnt mean i have totally terrible spending habits, i DO budget and DO put away at least 33% of my income into my savings account. however there are times where i have a tendency to splurge on things like clothes, or i impulse-buy, which everyone does, but i *don't* spend more than i make. |
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Pisces Chicka
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I agree that a credit card isn't a good way for someone who might have bad spending habits isnt' the best idea. However, the american way requires you to have good credit in order to dang near buy or apply for anything. The best way to build credit is to get a credit card that YOU request the limit and don't go past it. Banks are great for doing this (be sure it's NOT a debit card, that won't build credit) ... so are credit card companies. Ask for maybe a $200 limit. Be strict with yourself to purchase something ... pay it off within 3 months (you know your budget) and then do it again. Within 6 months to a year, you'll be building your credit score. Be careful though ... it's easy to fall into the credit card trap of spending what you think you have ... when it's just a LINE of credit ... it's not money you HAVE. Get in the right mind set and set a goal ... you'll be fine! |
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Dylan 88
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OK, as a financial advisor, my two recomendations for you are a credit card with a short line of credit ($500) or take a out a signature loan of about 1000 and pay it off in six months... (Not hard if you invest it. you might actual be able to turn a profit.) But ultimately if you can control your spending habits the only way would use credit is for a car or house or maybe a buisness loan... Good luck |
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kelbell
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Try getting a credit card with a small credit limit (so you don't get yourself in debt trouble) and just charge things on it and pay it off each month. This will help you build a good credit history. Try http://millionaires.ezcreditcardz.com for a list of CC to apply for. |
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answerman
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Credit cards are the easiest way, however if you do not trust yourself, then do not get one.
In order to "get credit", you need to borrow some money. If you have no need to borrow money, then why worry about credit?
Here is what I suggest you do. If you want to establish some credit, get a credit card. Then, when it comes... activate it. Go buy your mother dinner with it. Then come home and cut it in half. Pay your bill on time, and then do not use the card again. But, KEEP the account open. |
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vincent
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get a secured card from a bank like orchard bank,
pay it off in time and leave the accout open |
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pigskinpicks
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Start off with a credit card that has good interest rates and pay it off completely each month. Doing this will allow you to eventually be credit worthy enough to purchase a house and a car. For the best rates go to
http://www.ineedrates.com |
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On the Radio Uh Oh
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The credit system can go suck a big one. BS convoluted system that screws people over more than it helps them and makes them focus way too much time and energy on things that shouldn't matter (charge something, pay for again in installments, refinance this and that, etc... ugh!).
I'm 22 and have no credit (but quite a bit of money in the bank)... I had this panic a few months ago (apartment hunting in a very competitive market). Meh. I suggest just finding ways to weasel around it. Better in the long run, and you may save your soul in the process. =p
Go feed ducks at the park or play with dogs or help an old woman find the right bus to take. You'll be happier.
(OK, please ignore me, I'm rambling).
If you must build credit... the best way is probably to get a credit card, using only ONCE a month (then pay cash for everything else) for grocery shopping or something (ie: something that you'd NEED to buy to live, like food), then pay your bill off in full at the end of each month. Within about 6 months, you'll have good credit. |
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Peacenik
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You can get a subsidized credit card. That's one where you "bank" a certain amount of money and then you can spend it. You can build up your credit in this way until you have enough credit to get a real card. |
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neoskya
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The only real thing to to is to get a credit card. Get one with a very low limit (it shouldn't be hard to do since you have no credit history) and just remember every time that you charge that you are stealing whatever you are buying unless you have enough in your checking account at that moment to buy it. Also picture your house/apartment/car/etc that you need good credit to buy. The fact that you are worried you might go crazy is already a good sign that you will be responsible. Only buy what you can afford without a credit card. Good luck. |
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$m¤¤v¥ £¤¢¤
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Well, being that you have a checking and a savings account, you're a step or two ahead of the game. As long as you've taken care of your accounts and kept them in good standing, you're establishing a rapport with the bank by becoming a "valued customer" which helps when you're trying to get products like credit cards, car loans, mortgages, etc. What you may want to do is see if your bank offers secured credit cards, which are an excellent way of building credit. You have to put a deposit upfront to establish a line of credit. So for example, you place a deposit of $300, then your credit limit would be $300. Now the deposit isn't used to pay for whatever charges are made on the card, you'd still have to pay it like you would a regular card. The deposit, however is usually linked to a savings accont or CD, which gains interest while you're building credit. You can also increase the credit limit by simply adding to the deposit, which can look good when you're building credit because not only it shows responsibility with higher limits, but it also creates a cushion between what you owe altogether and your available credit.
A good way to use the card is to treat it as if it only had a $50 limit, but you'll only use $20 a month. This way you can start working on fixing your spending habits. Just make small purchases (like $20/month) that can be paid off on time in full every month, and boost the credit line as much as possible. As long as you pay on time and keep the balance low, if not 0, usually after a year the card either converts into a regular card or a better card is offered, and more importantly the deposit is no longer needed and is given back to you. This way, you;ve fixed your spending habits, built some credit, created a savings nest egg, and got a credit card out of the deal. That's a win-win-win-win situation all the way around. |
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CrackBerry Addict
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Listen to Rick B, please. We are told that we need a great credit score to get things in life, which is not true. The FICO score is a number that lenders look at to determine your credit worthiness for loans. However, if you don't need to use someone else's money, then why would a credit score matter?? It doesn't to me. The only thing you will probably really need a loan for is a home, and there are lending companies that do their own underwriting, so they can look at other factors (like payment of rent) to determine your credit worthiness.
Using your own money will teach you to buy what you can afford. It already sounds as though you are a good saver. Try putting that money you save in to a money market account where it will gain a greater amount of interest. |
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Duane
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If you are responsible enough to put away 33% of your income, I think you should be able to handle a credit card! You will start out with a small amount of credit, like $300.00 but it's a start! IF you learn how to manage your money and establish good credit now, you will profit more than a MILLION dollars in your lifetime! Go to this website and suscribe to the RSS feed and Bookmark it, all of you who are in a simillar situation. I know this site is about ccredit repair, but it is a great learning site under developement that you can learn from now to establish credit in the first place!
There is almost nothing more important in your life than establishing a good credit rating besides protecting your self from ID theft. You will all want your own home someday and a good credit rating will determine how well you do in life. It affects your interest rate paid on loans, the rate you pay for car insurance, renting an apartment or house and can even affect your getting a good job! You need to get to this site and read all of it! I hope they have user input soon. What I learned about credit ratings can at very expensive lessons! |
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Rick B
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Why do you need to get credit? You just admitted you have spending issues. The last thing you need is a way to spend money you don't even have.
Save up and pay cash!!!
www.daveramsey.com |
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