 I have a credit score of 575? |
and i payed down half of my credit card. and payed off a collection do you think it should bring my score up by 5 or more points did this biginning of last month
Additional Details
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 I'm broke and I can't pay my credit card... what should I do? |
| My company closed and I'm out of job at the moment but it would take some time for me to recover financially. I can't pay my credit card. What should I do? Please help...... |
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 I have a very bad credit score and I need a loan,Does anyone know of Institutions that lend to people like me? |
| I don't have it because I don't pay creditors back, but because I just got divorce and my husband ruin both our credit. (why I am divorce) Anyhow, I am trying to rebuilt my credit, but I ... |
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 How many credit cards should I have? |
| I am new to the world of credit! I currently have 2 credit cards from Bank of America and Wells Fargo for 2 months. Should I still apply for another one or two or three?? If so, what's d' ... |
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 Closing A Credit Card? |
| If you want to close a credit card will it affect your credit (will your credit score be low) b/c a want to close a Best Buy Credit Card and i dont want anything from them anymore i have other credit ... |
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 There are 3 people in my family with the same name but different SS# having problems with credit HELP US? |
| Me, my sister, and my aunt have the same name but we have different SS#'s my sister middle name is different but the initial on middle name is the same my aunt and my name are exactly the same. O... |
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 Where is a good place to get a car loan or a home equity loan if you have not so perfect credit? |
| where is a good place to get a loan for poor credit. my x husband ruined my credit now i need to get a car or a home equity loan any suggestions?... |
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 I wrote an entire book of bad checks up to $400 each. Where can I go for help financially? |
| I have a job. But it looks like I will need nearly $5000 to pay for my mistakes, and much sooner then I can come up with it. Does anyone know of a service that will help me with this? I have awful ... |
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 My Mom used my name and ss# to open credit cards...ADVICE PLEASE!!!? |
| When I was little my mother had TERRIBLE credit (no fault of her own - she cosigned for my dad and he left and never paid the bills) - so she opened up credit cards in my name with my social security ... |
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 Can i get this loan through my credit union? |
| I've been working at my job for a year and a half but i have no credit. At the same time, i don't have any financial obligations besides gas. I'm going to ask for 10k and the highest ... |
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 I just paid off my car loan and a credit card. But my FICO score dropped 32 points, why? I'm paying my debt! |
| I'm paying off all my credit cards, not closing them. But I want $0 balances on them. I paid off my car 6 months early, I never missed a payment and I was never late. Why would I be punished for ... |
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 Should I close a bad credit card? |
| I cut up two cards months ago, but after being unemployed I haven't been able to make the min. payments. I've been in contact with them, but wonder if closing the accounts will atleast ... |
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 Is this a myth...what happens if you just stop paying for your credit card? |
| I have a friend who just got a notice from a creditor via the Sheriff's office. Is it true that if you just stop paying your credit card bill after 7 years it just falls off? He hasn't ... |
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barrgains | I'm trying to rebuild my credit, just looking for "easy" to get credit cards, no secure ones. Thanks. |
It's pretty much what I said, trying to rebuild, looking for credit cards that don't require much of a history and no secured ones. Thanks for any help or suggestions. |
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Everybody's posted their answers, so now I'll post mine. Just like Ice and some of the other posters said, there are some department store cards that are fairly easy to get, but as far as major credit cards, the only one that comes to mind is Orchard Bank. They offer cards for people either starting out or starting over. Chase may have one or 2. But honestly, secured cards can help you more than you think. Yes, you would have to put a deposit upfront to get a credit limit in the same amount, but the deposit gains interest while you're building credit, so in a sense it's like building credit with a savings account. Another advantage is that you have more control of the credit line instead of being at the mercy of the credit card company. Whenever you add to the deposit, it increases your credit line. The more you add, the higher your limit gets and the more interest you generate off the deposit. And as long as you pay on time and charge lightly to keep the balance low, you'll get the deposit back with interest and either the card will convert into a regular card or you'll be offered a better card.
Look, I know that you're wanting to rebuild. And you're looking for an "easy" way out. But unfortunately that's hardly ever the case when it comes to credit. The "easy" cards usually have high interest rates, and fees out the ying-yang that makes it not even worth having. I know that you don't want a secured card, but I posted links to some good ones that are better than some unsecured ones out there. Like I mentioned earlier, try out Orchard Bank they offer credit cards for rebuilding credit, and they also offer a pretty good secured card in the event that you're not approved for a regular one. |
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pauline_mary1
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My advice is to get a major oil company credit card and avoid using any other credit cards. Pay in cash...not credit. |
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mouse_726
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Our credit isn't great right now either, so we want to work on building it back up. Orchard Bank (subsidiary of HSBC) gave us a card. Interest rate isn't too bad, although they only did a limit of $400....but that's okay....it is just to rebuild credit. We use it periodically for small purchases and pay it off within a couple of months each time. |
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wishing4more
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try store credit cards. like jc penny's or sears. |
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beauty s
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orchard bank |
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madison t
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You can try Aqu,Capital one and vanquis. I think capital one is the best one to try because they have a great internet site where you can monitor your account. They will send the card out right way if you are accepted.
I think you should only try vanquis if there is no other option because they have very high interest rates. |
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twv121
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Try First Premier Bank or Orchard Bank. They both are unsecured credit cards for bad credit, but they do come with annual fees. |
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Advisor
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Here is a list of credit cards for people with bad credit http://www.ccvault.com/credit_cards/bad_credit.php I recommend Orchard. |
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iceman
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Store cards are the easiest to get these days. Kohls, Old Navy, Gap, ect ect.
I know someone who got a capital one credit card with a credit score around 580. So I can assume that they are not the strictest company out there for sure.... |
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Yvonne L
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You can make credit eventhough you have a bad credits history. |
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