 Very poor credit and makes 50K--Fiancee has great credit and makes over 400K-Will lenders look at both scores? |
| I have very poor credit because of some embarrassing mistakes I made with credit cards. I am trying to rectify this, but am getting married in the next year to a man with fantastic credit. I make 50... |
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 My credit card bill was a few days late this month. Will this affect my credit rating/score? |
I've heard somewhere that the bill must be 30 days late to matter.
Additional Details
Also, does it matter that the credit card is through my bank?... |
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 What's the difference between Chapter 7 or Chapter 13 Bankruptcy? |
| I'm filing for bankruptcy...I'm not sure which to file under. 7 or 13?... |
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 Do I qualify for the auto loan? |
| I am 19 years old. I am in USMC Reserve. I don't get paid much but I do get paid enough to make a $ 300-400 payment on the loan each month. I live with my parents. I can get a job after I get ... |
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 Debt collector won't collect!? |
| Ok, so I have an old credit card that went into collections last year while I was in college and poor. The bill was only 500 bucks, and now I want to pay it off and get it removed from my credit ... |
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 If I can not make car payments can the bank sell my house to get the money owed? |
| If unable to make car payment can the finance company sell my house? Can they enter my locked garage to reposses the car? Can they take money from my pension and or social security?... |
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 I'm 18 and credit score is 613,? |
I have no credit cards yet, but I applied for a few the other night. IS this a good score for someone of my age to start out with?
I don't know why im worried but I am :(... |
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 Is 11% a bad interest rate used 2007 SUV?......Refinance? |
| I bought a used 2007 chevy trailblazer with 12k miles. (I'm out of the country alot so I probably won't put more than 6k on it a year) The sale price was 21k and the payments are 400 per ... |
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 If a payment was made 10 years ago on a debt does this limitation still apply ? |
| the limitation on debt collection is 6 years yes,, if a payment was made does the 6 year limitation still ... |
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 I am 13 going to be 14 can i have a prepaid mastercard? |
i am 13 going to be 14 can i have a prepaid mastercard if i can can i by anything with it like tv speakers compouet etc..
do i have to pay evry ... |
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 Which will get you a better credit score? |
| Ok. This is killing me. I am 19 and have only had a credit card for one year (almost exactly). I have lived on my own since 18, but never had a car payment (I paid my car in full). So I only have one ... |
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 Does anyone know a non-fraud debt consolidation company that i could use? |
15k in credit card debt, 17K in personal student loan debt, 15K in government student loan debt, 15k in car loan debt.
All im trying to do is consolidate my CC debt. The rest i will deal ... |
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 Free credit report???? |
| What is a site that gives you your credit report for free and is not a scam?... |
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 I have gotten myself into debt bc I am stupid!? |
| I have gotten myself into credit card debt its not really bad but it is bc I cannt afford it right now. ITs about 6 thousand dollars. I want to know what my options are if I have any that could help ... |
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vixso | I'm new to the USA, how do I start credit? |
Hi, recently I moved to the USA, right now I'm seeking to complete my steps of the USMLE and hopefully getting into a residency program at a hospital near 'home'.
Thing is as I'm new here and don't have bank accounts under my name as I'm still studying I'm afraid that my lack of credit may affect me at the time I decide to buy a car or when I get to afford moving on my own so I'd like to know what are the best ways to start credit here as in the best type of bank account, credit card or debit card that would suit my needs and what are the best banks to deal in this kind of situation. Thank you for anything |
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MM7
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Whoever says don't get credit is WRONG! Having no credit can be just as bad as having bad credit..trust me on this. The best way to establish credit can be done in 2 ways: either get a credit card with a $1000 dollar limit or less so that you can pay it off easily or you can take out a small loan. If you have a passport, then you should be able to open up a checking and/or savings account. |
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0111450
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get a credit card , use it conservativlly and always pay off the whole balance. Open an additional one or two that you never use just because it will help that you dont use everyhing to the max and dont have debt. Also definatlly open a checking account first. |
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Ash
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You should look for a bank that does not charge you a monthly fee. Find a bank that offers a free checking account and free check ordering. It will save you a lot in the long run. At most banks, you can not apply for a loan for any amount unless you meet their requirements such as, having the same job for 2 years and having an account with that bank for a certain period of time. As bad as credit cards are, you will need one to jump start your credit. Since you have no credit, you should only get like a $300 credit limit anyway and a monthly minimum payment on that with an interest rate of 21% would only be like $10 to $12 dollars. Remember that if you pay only the minimum payment, you are basically paying only the interest charges. So every other payment, try to pay double you minimum payment amount. It will take a while because most credit agencies only report credit like every 6 months to a year. Some of your bills will help your credit. Cable, phone, internet, gas and electric bills all affect your credit. Just get out there and be careful with your credit. It doesn't take long to mess your credit up, but it does take a long time to get your credit good again. |
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tito_smootz
 |
Don't. pay cash. live below your means. You will build wealth |
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sam
 |
No Credit Checks
No Turndowns *
No Annual Fees
No Security Deposit
No Employment Required
Act Now! Click here to get your card & cash advance loan!
http://lnk.in/487u |
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Mr Credit Card
|
You have a couple of choices. The best thing to do now is to open a savings account with a bank near where you live. You should also try to get a credit card to start establishing credit. Here are a few alternative credit cards you can get.
1. Student Credit Cards
You will probably receive offers soon in the mail for these. But most have no annual fee. All major credit card issuers issue them. Apply for one and use it responsibly to start your building process.
2. Citi Platinum Select Card
Citibank is now allowing those with no credit history to apply for this card. This card has no annual fee as well and you could try to apply for this card.
3. Get a secured credit card
If the above two fails, then go to your bank and try to get a secured credit card. You need to put a deposit with them (which acts as a collateral). Make sure the card reports to the three major credit bureaus, Experian, TransUnion and Equifax. After 6-18 months, you should qualify for a regular unsecured credit card (and you should also be getting more offers in your mail).
Before you apply, make sure you get your Social Security number and make sure your new address is in your SS files. As you have no credit history, you want to make sure that your SSN and address are valid, correct and in the "system". |
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MsNobody
 |
Check with the hospital where you get your residency and see if they have a credit union. If they do, you should be able to open up a savings and checking account with them. Build up your savings, always pay your bills on time, and you will start to build credit.
Getting a credit card is also a way of establishing credit, but only if you are VERY disciplined. If you use the card strictly for building up your credit, charging $50 or less a month and paying it off every month, then it is working for YOU. If you let temptation get the better of you and start using it all the time, you will find that you are working to pay IT. Not a good thing.
Check out the site below. Lots of good financial advice. |
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Appollyon
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Don't start credit. Don't get credit, don't give credit.
If you can't pay cash or they don't accept cash, don't do business. |
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melomego
|
Go to three banks and open a savings account at each. Leave $200 in each account.
Wait two weeks.
Go to each bank and request a $200 loan, secured by your savings account.
Open one checking account at one of the banks.
Pay the loan religiously, every month.
you'll have great credit. |
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