 Is Debt Settlement a good alternative to bankruptcy? |
| Does Debt Settlement restore your credit in fewer years than bankruptcy if your can't afford debt consolidation?... |
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 Should I get a credit card? |
| I am 19 years old and I want to build my credit up. Would it be a good idea to just get one credit card, a very basic one, and then charge about 50-100 dollars a month on it, and pay it every month. ... |
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 Is a credit card safer than a debit card? |
I know what the difference is in terms in getting credit, but not that is what I'm interested.
I want to know if its safer, for example I've heard that if I make an order using a ... |
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 My parent's credit score isn't good enough for me to buy A new Computer! What do I do? |
| OK, so I'm 14 and we have a family PC that is really crappy. I want a Dell that is only 18 dollars a month, which I can afford. But my dad says his credit score isnt good enough, so I have to ... |
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 Since I paid off 3 credit cards, should I just outright cancel all 3 of them? |
| I have 3 store credit cards that I just paid totally off this week. The only other credit card I have is a Amazon Visa. Since the Visa has a lower intrest rate than the store CC I carry.......it is ... |
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 What is the best credit card for me, I have very little credit? |
| I am trying to get a credit card to start my credit, but so far I hve been denied by Capital One and Chase (Master Card.) I am a full time college student and I don't have a job on the books. I... |
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 Payoff Closed Credit Card Account? |
| My credit card account has been closed by the creditor, but it has a balance due in the amount of $908. I'm working to clean up my credit report and payoff any outstanding debts. Should I pay ... |
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 How good does your credit score have to be in order to qualify for a car loan? |
| I want to trade in my car but I don't know if my score is good enough. Its at 687 right now ... |
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 Do credit cards improve your credit score? |
| Im trying to improve my credit score, (which is in the medium poor range), I just opened an unsecured credit card with a small credit limit, (300$), I was thinking of opening another small acount, W... |
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 Bad credit car loan? |
| Okay i have awful credit from past young stupid mistakes. I make great money now and could easily afford a car payment. however, i cannot find anyone willing to take a chance. i realy wish you ... |
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 I have a credit repair guy that says he can remove slow pays etc etc from my credit. for a fee.? |
| Personally I don't care about the ethics behind it I just don't want to get ripped off. He says he can do it for about $300. Anyone out there have any luck with credit repair??... |
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 My bank notified me that a check I wrote was returned. What do I do now? |
It was for a credit card payment to Target. Do I need to go there or will that contact me or will they just try to re-deposit it? I have the money to cover it in my account now.
Additional D... |
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 Why do banks ask for your national insurance number when you're applying for a bank account? do they check |
Additional Details
the number, because i can't remember my number i think i got it right but now i'm not ... |
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 What can a prospective employer see in a credit check done to a prospective employee? |
| What I mean is can they actually go into detail with your accounts, etc.? OR do they only see you "credit rating" or "score"?? Someone with experience as an employer or manager, ... |
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 Do you mostly use cash,write checks,or use a credit card to buy things?? |
| I always use my debit card......i rarely use cash,or write checks unless i am paying a bill.I don't have any credit cards so if i don't have the money in my checking account,iwon't buy ... |
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ms.marvelous51 | I'm 24 now and don't have credit, what is a good and easy safe way for me to start? |
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SUSAN K
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All of the answers that I have read are right on...you have to charge something and then pay it off. Even if you have the cash to pay for the item, charge it and pay it off. This gives you a record that cash payments don't do.
You probably will get some credit card offers in the mail, I do. If they are offering, apply but not before you read the small print that details the terms and conditions. They can really get you on that one if you aren't careful. |
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bijan816
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Get a student card.
go here to compare them
http://www.bestcreditrates.net |
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Travis R
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Patty, listen to me. Do NOT get a credit card. You are one of the lucky ones that the credit card companies don't have their meathooks sunk into. Go to DaveRamsey.com and learn about how credit cards are a trap. |
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CarolinaGirl
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Get a credit card with a spending limit. Use it to buy gas for your car and pay it off as soon as you get the bill. Pretty much, use it as a gas card, that way you don't rack up high charges and you can pay it off on time and earn credit. |
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Michael R
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Department stores credit cards are the best way to start. Buy something there and pay them on time for a few month - you have a credit history already. |
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desperado
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Open up a credit card and when you make purchases, make sure you pay it off right away and not acumulate debt. |
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todd
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Banks are eager and quick to raise your limits on credit cards. But you have to prove to them you can handle it. What you should do, try to get a credit card , even if it has a small limit. If they give you 300 credit line, put 300 on the card every month, and then PAY IT OFF every month. This will show the bank you can easiyl handle that. Then what will happen is you will quickly get your limits raised. From there you just have to excercise caution. Ex.. dont go over your limit, always pay your bill every month.. ect ect.. Before you know it you will be out of debt. |
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loanman46
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Start by opening a savings account with a bank that will give you a secured credit card.
Here is some additional info. Hope this helps. |
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Maryann Cox
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I currently work in finance and home loans so I see this every day. What I can recommend is to get a secure credit card or to get a credit card from those companies like Orchard Bank or Capital One who give credit cards to new borrowers. They are high interest and low credit limits but in the long run it will help your credit. Credit cards like department store and gas cards really dont help out your credit as much as major credit cards like Visa or Mastercard.
Another thing you can do is make sure you pay your utilities and cell phone bills on time everytime. You may be able to use these bills as alternative credit lines in the future when you choose to purchase a home.
Any credit line over 12mos on your credit report is what helps you out the most. But don't go buck wild....maintain your balances under 30% of the credit limit...this will drive your score up every month instead of down.
Good luck! |
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pink_me
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hmm same boat, I just got mine from NHBS, Inc, their credit programs are better |
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Tucking Fypos
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Get some bills in your name, a cell phone maybe, you will need to put down a deposit if you sign a contract. |
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bustinuplfn
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get a secured credit card from your bank |
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