 How does a Credit Card work? How can i get one? |
A friend of mine just touched 18, and the first thing he wanted to do is to get a Credit card and he doesn't know how the credit system works. Please Explain.
Additional Details
Al ... |
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 Paying off debt...? |
| So here is the deal. my fiance and i have a baby due jan 6th, 2008. we would like to try and pay off as much of our debt before then as we can but we need to decide what order to pay things off in ... |
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 How rude can a collection agency be when contacting a debtor's employer? |
| I answer the phones at my work and get a lot of collection calls for one of our drivers. They never say they're a collection agency, but it's mighty obvious when they accuse me of lying ... |
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 What do I do if someone owes me money and does not want to pay me back? |
Do I need to get a lawyer or collections agent? Please help.
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The amount is $15,000 and the only proof is the check that she deposited. Is there a type of attorney ... |
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 Loan application- have u done this?? |
| Have any of u ever applied for a loan and get back a letter saying ur application has been approved- and that u need to send a brokers fee of £49 to process it??- Is this a con where they get your £... |
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 How long does it take to get "good credit"? |
| i got my first credit card, and in order to get credit cards from other stores you have to have a credit file. how long will it take before i develop a credit file?... |
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 My credit sucks cuz of uninsured medical debt. If put on mothers credit card will it affect her credit score? |
| Basically I went into the hospital 2 years ago and I didn't have a job. I left after 2 days with about 14,000 in debt. Besides some unpaid tuition this is all the debt that I owe, doctors, ... |
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 How do I improve my credit score? |
| My credit score is 420. I have a few different things on my credit report like medical bills one credit card which i settled. But I also have a car loan which I have paid on time every month since i ... |
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 Can anyone help lead me in the right direction to help me get my credit back ? Without filing banruptcy.? |
| I have had some problems in the past when i could not pay my bills 3 years in a row to be exact. I am employed now with a good job but im so far behind it looks as if i will never catch up .There are ... |
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 If I have a cosigner, whose report does it go on? |
I'm 17, and My dad was going to sign a credit card for me, but now he won't do it because he thinks it'll just go on his credit report and it won't help mine.
C... |
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 I co-signed on a car loan, it is not getting paid, how bad is it going to be on my credit if I don't pay it? |
| two and a half years ago, I cosigned on a car loan for my wife....she left a couple of years ago, we divorced, she now won't pay for her car because she won't work. How bad will it be on ... |
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 Credit card solution for me? |
I have a lot of credit card debt. I have 3 cards total.
Card 1: Limit is $3460, carrying $3200 with 28.99% (because I defaulted last year and I am slowly taking care of the minimum ... |
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 Is god different than jesus? |
| If god=jesus,then who made the Earth before Jesus was born?... |
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 Getting back credit card charges? |
My credit card just defaulted, and they company are being pretty awful to me. I am a student and genuinely cannot afford to pay the large sums of money that they are expecting me to pay back.
I ... |
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 I got the credit card, but when I took it to the bank,they said that they havent seen such a card yet,help me? |
Additional Details
This card was sent throught Microsoft Lottery to me. There is even written my name and Global Quick Cash. but they are asking me a huge amount of money in order to ... |
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 Should I cancel my credit card? |
| Somebody stole my credit card but I don't want to cancel it because he spends a lot less money than my wife does.... |
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NINA J | I'm 19 and i have bad credit what do i do to fix it? |
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Shelly t
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you have to pay the bills that you have on time and never be late and always pay more than the minimum on credit cards, or car or house loans . Even if it $5.00 Do not apply for more credit as that goes against you. |
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twv706
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If you have no credit (I can not see your credit being bad at 19) I would suggest going to http://www.bad-credit-credit-card-for-people-with-bad-credit.info/ where they supply a free list off finance companies that issue credit to people with bad to no credit. I would apply for one or two cards and when you get them, make your payments on-time to establish a credit history |
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Ledos81
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Why do you have bad credit? Did you have things go to collections? Do you have to much debt? Have you pulled your credit report? First you need to get all your bills up to date. No late payments, second you need to pay off any debt you may have. Credit cards/loans ect. But if it's bad because you had stuff go to collections this is harder. That stuff stays on your credit report for 7 years, the only way to get it off is by convincing the person who sent you to collections to write a letter getting it removed. (Most places will not do this.) Last tip learn to budget your money. |
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Jill J
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If you want to build your credit back a good thing to do is to get a share secured loan. Meaning you use savings and turn that into a loan that gets reported to fix your credit. Most banks will do this kind of loan because there is no risk involved for them. Shop around and see what you can find. |
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DaMan
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GROW UP
PAY YOUR BILLS
PAY YOUR BILLS ON TIME
STOP LOOKING FOR LOVE IN ALL THE WRONG PLACES
DO NOT LOAN MONEY TO TRIFLING FRIENDS -- EVER |
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Judy1
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Live within your income (or figure out how to get more income). Pay off what you owe.
Good luck. |
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bernel1403
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All you can do is pay your bills on time, every time and in full-- AT LEAST.
If you pay more than the minimum payment, that goes on your report too so if your minimum is $47, pay $50.
Give your bills about 10 days from the time you mail them til the due date to be positive they are on time.
Close unnecessary accounts once you pay them off. Too much available credit is not good either.
Finally, monitor your credit.
You can get free credit report at annualcreditreport.com (you have to pay for the score, however). But there are 3 agencies; TransUnion, EquiFax and Experian which each will provide one free report per year. Get one quarterly by asking a different agency everytime. |
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beauty s
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wow, your only 19 and your credit is already bad, then use cash only and pay off your bills..
Be careful u don't want to be in debt for ever |
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Sax Player
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The best way to get a good credit rating is to borrow money and pay it back on time. |
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looking4answers
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Sorry but you haven't told us what you did to get bad credit. Please list everything then we can help you with your problem. |
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hendy h
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Building a good credit can be done in various ways. If you are fed up of the collectors tirelessly chasing you to pay your debts or if you are disappointed at your loan application being turned down, because of absence of credit history, you should learn how to do build your credit. The most important thing to remember is not to buy unnecessary items. Do not convert your ‘want’ into ‘need’, as it can drag you deeper in debt. If you are looking to build credit and do not have any history, set your priorities properly. |
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