 How to build a good credit score? |
| I have no credit what so ever. I've tried to apply for credit cards, but been rejected from all. So how am I supposed to build a good credit score if I can't have a credit card? What can I ... |
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 My visa check/debit card? |
ok so i was at walmart ready to buy a videogame today..
it was $130 when my account only has like $20, but i thought it would go through and i can pay at the end of the month.
so i swipe ... |
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 Why am I finding impossible to get someone to pay a debt even if he has the means (money, property) to pay? |
| I lent some money to a friend who now refuses to pay it back despite having the means to do so. Normal legal procedure won't work because I realised too late that is a serial debtor and know all ... |
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 Credit Card? |
| I'm ready to get a credit card.. It's my first one any ideas on the one i should get?... |
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 Bancruptcy? |
| i owe 40k in secured debt and 35k in unsecured, if i go bancrupt will it wipe the secured debt too? even if its in joint names? im currently on a debt management plan for the unsecured stuff. i have ... |
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 Does debt counselers help? |
| or is it just another ... |
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 I Dont know what to do? |
| i have 3 credit cards and the limit on those are more then 14,000 all together but i cant pay them and i havnt payed any of them what should i do so i could bring my score back up and how?... |
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 How do you build your credit with a 566 score? |
| OK, pulled my credit report, my total debt is $6700.00. Thats it. I have no bankruptcy, no credit card debt. Its all collection accounts. I applied for a credit card and was turned down. I dont want ... |
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 How would i go about filing for bankruptcy ? |
how much do my debts have to be worth ?
Additional Details
I'm in the uk , off work sick and bailiffs are doing my head in.
and i probably owe around £4,000
to different ... |
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 Bad credit?? |
| I live in Ga. I have bad credit from when i just turned 18 and owe a little under $4000.00. I havent even paid anything for 4 years now. Any advise on how I can resolve my credit and pay for it ... |
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 In debt up to my shoulders? |
| how to get outta debt. 50,000 average owing. haven't even touched it. what can i do to get outta debt. whats the best place to help that will be able to do something for me with out breaking my ... |
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 Store cards? |
| If you have a store credit card on your report..how bad is it really? I know the application itself brings the score down a few points but other than that is there any downside to having one and not ... |
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 My 86 y.o. grandmother can't pay her credit card bills!? |
| My grandmother lives on social security & has had c.c. for many yrs & owes a few thousand $. The credit co. have been calling her multiple times daily for $. She pays them a little bit per ... |
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 Insurance problems/ debt collectors harressment? |
| Ok... I was involved in a accident it was a hit and run. My car was completely totaled. I only had liability insurance but I also have Unisured Motorist coverage... Insurance said they wont pay for ... |
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 Best place for a Credit Report? |
| Where can i get a credit report without getting screwed?... |
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 If my dad co-signs on my auto loan (refi), will the debt show up on his credit? |
| If it does, when can I drop him as a co-signer? Trying to get my auto loan interest rate from 18% to under 10%. Will this hurt his credit???... |
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Melissa | I'm 21 and need to build credit? |
I'd like to build some credit. As of now I have a checking account and have had a phone contract since I was 16.
What else can I do to build credit? I know a credit card... but I'd like one that's good for a 21 year old. Maybe one you can reload?
Any advice? |
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KnowItAll
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You should probably start out with a starter card. Since you are 21, you might be able to get a nicer card than people with no credit history. If you are a student, try student credit card. See the below site for some great cards that you can apply for. |
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Curious
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any basic credit card with a low limit so you can learn how to manage credit. don't run up a bunch of debt - it should be used for absolute emergencies not every little thing your heart thinks it needs |
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Vernon C
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Buy a car with substantial down, this will give creditors something to track, and it will be a secured loan.Make ALL the payments on or before the due date, never miss.This will start you on the way to a credit history. It doesn't have to be fancy, maybe a geo metro, good gas milage.Credit cards can be a trap, and are always expensive in repayment, but a reload at least will keep you above water. |
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happylittlegirl
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The best credit card company is American Express Credit Card. There are many ways you can do to build up your credit through loan, purchasing a car or anything that require you to make a payment each month. But credit card should be the first one you should have and the easy one you can pay off fast. The second one is purchasing a car n the third one is buying a house. But make sure you make a payment on time if not it will hurt your credit which you don't want that to happen. Hope that would help you!! |
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killintimer
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You are on the right track.
With no, or little, prior credit, you will likely have to settle on a low limit, high interest rate credit card. As long as it is a low limit and you keep payments current, you will shortly (a year or two) be able to get a more desirable credit rating and better terms on a credit card.
When I was young and in your spot, I got a $300 limit Capital One card. I built that up to where I now have solid credit and more credit than I will ever need.
But to say "thanks" to Capital One for being there when I needed it, I buy one or two items a year on that card so they make just a couple bucks off me and my card stays active. |
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teresathegreat
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Building credit is a slow and steady process. You need to show that, over a long period of time, you can responsibly pay bills on time.
A simple way to do this is to ask your bank about a line of credit. They approve you for a small amount - say, $1000 - and the credit line is linked to your checking account. You don't have to touch this money at all, ever. But it will go on your credit report that "hey, someone trusts you enough to loan you $1000 whenever you want it."
A credit card is another good way, but it's also very dangerous if you aren't careful. Get a card with no annual fee and some sort of rewards program (cash back or airline miles, whatever you use). Citibank PreimerPass might be good.
Use it for monthly expenses, but be careful to budget your money and always stay well within your monthly income. The most important part is to pay the entire balance in full every single month. Pay it like the mob is coming to break your kneecaps and burn your cat if you don't (the financial equivalent of credit card debt). If you can responsibily pay this money, your credit score will steady climb. As long as you have willpower and won't be tempted into spending more than you know you have, you'll be fine... but don't tempt yourself beyond your financial strength. |
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Olympics
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there are two ways you could start credit one or them is taking out a small personal loan which you might need a co-signer . Or you could apply for a credit card for bad or no credit which most likely will get you approved no matter what, but if you are a student you could get a student credit card which will offer you lower rates and no annual fees, check out www.fastcreditcardapprovals.com and go under bad or no credit or student cards. good luck
http://fastcreditcardapprovals.com/ |
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fdrc
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your credit rating is determined, in part by the amount of money you CAN borrow (points are taken away for the amount you DO borrow). This is one of those things that banks do not talk about;
if you have the discipline to do it get as many cards and the highest available limits you can talk them into (just don't use them). Things will change over time, some will drop you some will try to charge you (never, ever accept a credit card that has charges).
Own something that has equity. Home is number 1, but even a small stock and bond account will add to your score.
(be careful of charges there too).
as my father once said: "I don't want to die with 5 million dollars . . . . . I want to die OWING five milion dollars".
this is, unfortunately, how the game is played in this era. |
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JJ3
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use only one credit card and shred the rest. do not use cash check in stores, pay off your bills. put money in assets like investments so the money will grow by itself. limit on how many liabilities you get. ex shopping for clothes, jewelry. liabilities will only use your money and you get nothing in return for them. plus the depreciate. so you use up your money |
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Mr. Kick
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Orchard bank credit card |
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