 I received a demand for payment of money today in relation to a 7 year old catalogue debt that I cannot even? |
remember accruing.
I rang them but the company were not very helpful. What on earth can I do? Surely 7 years is not a reasonable time in which to demand payment.
I live in S... |
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 When one bank buys another bank out and sends someone in your family a credit card you didn't authorize what |
can you do. i had no knowledge of this and now they are taking me to collections.
Additional Details
can i do? the person that got the card did use it but the card was in thier name but ... |
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 Am I responsible for my dead mothers mastercard bill? |
| the account was in her name only but she applied for a supplementary card for me. The credit card company says I am liable for the unpaid ... |
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 I am in debt about 2,500 or a little less and currently unemployed for the time being. What should I do? |
| There are 3 credit cards I am going to fall behind on two of them this month and the other one of I already am behind on.. Also, my bank account is overdrawn about 981.00. I know that this isn't ... |
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 How do I redeem my iTunes gift card? |
| I recently bought a 25$ iTunes gift card in the US and I live in Canada. When I go to redeem my card in the US store, it says my account is only valid for purchases in the Canadian iTunes store and ... |
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 Can the credit card company , cancel my account for no reason? I made all my payments on time !? |
| the credit card company just sent me a letter saying that my acount was now closed and I know I made all my payments on time , can they just close my account for no good reason ????... |
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 If I check my credit history, will it make my scoring worse? |
| As in, if i do a credit check and then if a company do one after, will it be worse? Heard that the more checks you do the lower the scoring.... Please help XX... |
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 Cancellation a loan? |
| i got a loan. can i cancel it after 9 ... |
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 How can i clear my debt and raise my score? |
| how would I go about clearing my debt? I have about 2,000 dollars that I owe to an apartment complex that my roomate and i use to live at. they claim we messed up a lot of stuff at the apt..which is ... |
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| I just got a Check for 3,000 from someone I don't know.? |
| How can i know for sure that this check won't bounce before I cash it. Is there any way whatsoever to know before i cash it.... |
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 How can I go about getting a free credit report? |
| it seems there are always strings attached or you have to mail all this info, bills, licenses etc.. is there a place where i can just get 1 free credit report on-line for free?... |
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 One man asks me to recieve money and buy laptop for him? |
I know it's bad. I gave him ONLY my credit card number and name of the bank. That's it.
He did transfer to my Credit Card account 3,760. Now my balance is (-3,760)
WaM... |
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 How long do CCJ's stay on your record and how long do you have to keep debt free before it's completely clean |
Additional Details
Studly & DaveyPadua both deserve the 10 points, sorry I cant give it to both. I'm going to leave this question as unresolved, thanks to everyone who answered.... |
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AlenaT | I'm confused...do I need credit card...help? |
I have recently moved to US (legally :-) ) and I have been watching a lot of shows (while I'm home with my baby) and I'm trying to find out what's the best for me...the only one thing is that some people say on one side that i have to build a credit....on the other side the rest of them say I do not need it...so what should i do? so far i have a debit card I'm just afraid that I will need a credit for getting a loan for another (used) car or maybe house...so what's going on here?
Additional Details
People I do not need a loan...it was a hypotetical question...I was trying to see how to live in US to be ok... |
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abcd
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I was in your position 2 years ago. You'll need to build your credit history and that takes time. I started with depositing $500 in a bank and asked for a 'secured' credit card for that amount. I made sure to pay whatever I charged earlier than due date and often a few dollars more than minimum payment.
My wife had a lifetime of credit history here and she added my name to one of her credit card and this gave my rating a boost. If you are married to someone who has lived here longer than you, then you can add your name (if he has decent rating). The same goes if you have parents or siblings here.
Getting a used car should not be a big issue.Buying a house will require patience and good track record.
Also, do not apply for too many credit cards in near future! You'll soon get too many mails saying you are pre-approved! Tempting but set your priorities in order. Also, if you are not happy with a credit card DO NOT CANCEL the service. Doing so will reduce your ratings. Simply do not use it.
Oh and try not to overspend the plastic and always pay a couple days before duedate and always pay little over minimum payment, even if it is a dollar more.
Good Luck. |
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RetroGirl
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GET A CREDIT CARD. Make maybe one purchase a month, and pay it off immediately to establish an account in good standing. I went for many years without establishing credit, thinking that never having a black mark on my record would help when I did want to get a loan or credit card. WRONG!! Believe it or not, bad credit is better and easier to fix than no credit. |
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littlegranny
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The easiest way to get a credit card is to apply to all the companies that send you any information on getting a card,when you get one then don't apply for any more use that one and buy small amounts and do as i say below.
buy a small item, pay it up when the bill comes and do this for at least 6 months and you will start building up credit,also use the bank card the same way buy groceries and use it as a credit on the card the cashier in the market will help you also pay it up when the bill comes this way you can also build up credit,it's important to have good credit and in the USA it's almost a must,good luck, start with the bank. |
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Dont_taze_me_bro
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You don't need to run out and apply for credit. Simply live your life, free of debt. Pay cash for things, and have a savings account.
There are lots of people who are in DEEEP trouble with debt. It's easy to get, hard to get rid of. Simply stay away. |
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Grandpa
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we all need credit but please be careful while shopping around for the right credit card or loan to take out people are looking for people that they can take advantage of and try to ruin them with the outrageous % rate so take your time and shop every well before jumping at the first response you get in the mail or see on the web |
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LauraBaby33
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You do need to build up credit. You can get a credit/debit card from your bank, and when you but groceries or whatever use the card as credit. Also, I would get a regular credit card and purchase somethign very small once a month. 20 dollars or so, and pay it off at the end of the month. Good luck with everything! And welcome to the USA! |
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kimba T
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I found The best info about your Question HERE:
(VERY good loans - c.cards - credit repair & score; info)
http://new-loans-center.blogspot.com
Good luck! |
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musicman47
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The truth is WE ALL NEED CREDIT! But some of us do not have sufficient time to build it. If you have not worked and had an income, its pretty hard to show you can pay any bills without your own income. |
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Martin M
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You DO NEED TO BUILD CREDIT. When you choose a credit card make sure you read the "terms and conditions" (fine print of the card). This will tell you the fees associated with the card, application fee, annual fee, activation fee, etc. Try to find a card that will have NO FEES, and a low interest rate!!!!! For starter cards I have found "Orchard Bank Classic Card" to have a small annual fee and no activation fees, or other bogus fees. When you have the card make sure to use it to your advantage by charging ONLY what you can pay when the bill for the card comes the following month. DO NOT PAY THE MINNIMUM, otherwise interest will accrue. You don't need credit repair services or a credit repair company to tell you that. If you want more free advice, feel free to contact me at 561-305-8188. |
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frak1a12345
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You should have a credit(not debit) card and never, never pay anything late. That will build a good credit history. The history is like an insurance policy--you never know when you will need it but when you do need it is too late to go out and get one. Good luck! |
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