 How can I build up my credit when Im only 18? |
| Im only 18 and desperately trying to build up my credit. I was just wondering if anyone knew how I could do so. Thanks!... |
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 Will adding my son to my credit card impact my credit rating, even if he never uses the card? |
My son read that a way to improve his credit rating was
"Add Your Name to Someone Else’s Good Account.
Piggybacking off of someone else’s good credit is an easy way to improve ... |
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 I have a credit card question. My credit card is up to its limit and im making monthly payments to pay it off. |
| Is it a good idea to do a balance transfor to another credit card for lower intrest rates or does that just make it worst. Did anyone ever do a balace transfor? and does it help?... |
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 How do I get my Credit Score? |
I just recieved a personal credit file from Equifax, but it did not include my credit score. How do I go about getting that score?
I live in ... |
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 Why is the lost or stolen number written on the back of your bank/ credit card? |
For goodness sake!!!!
If you lose it you would never know what number to call anyway!!!!!!!!!!!!!!!!!!!.......
Egg's site impressed me though, first thing you see in the &... |
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 Does anyone know of a place that re consolidates private student loans without running your credit report? |
Additional Details
I have about 40k in student loans through Sallie Mae that I just recently brought current and the monthyly payments are $600 and my APR is 18.24% I need to do ... |
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 They put my account as "Charged off"....??..? |
| I have an outstanding balance with a creditor, I called one of debt releif organization. So I am making monthly payments. The collection agency put my account as "charged off". Are they ... |
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 New year and I want to start clearing my debt.. what are some good free debt management companies I can call? |
My debt amounts to about 4000GBP.
I want to start cleaning up my credit file and clearing debits.
I need a decent free debt management company that won't take any of my money in ... |
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 I need 2000 to bail my boyfriend out of jail but i dont have ne credit cards or bank account? |
Additional Details
ok i dont think it right that you ppl judge my boyfriend not one of you kno him or kno why he is in ther so i really dont think you should judge ... |
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 ING Direct, is it worthy?? |
| I am researchign ING, and see that the ing direct savings account accures 4% interest. Y is it so much higher than normal banks? I am 18 with no credit hostory ( dont kno if that metters), can I open ... |
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 I'm 19 years old, full time college student, thinking of getting a credit card. What should I look for?? |
| I do not currently have a part time job (but I do have money saved up). I wanted a card that will give me points and/or rewards. Any suggestions on where to look? Should I even get one?... |
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| Will my bad credit be renewed when I get married? |
| I live in Texas and because of a hospital bill my credit is bad (the bill is only $35) We want to get married and buy a house and a car and all that good stuff. He has no credit will we be able to do ... |
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 Considering a personal loan...? |
If I was to take a small personal loan (less than £500), how long does the whole process take. Would I have the funds within a month for an overseas trip?
Thank you!!... |
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 Where can I go to "watch" my credit (I don't care if I have to pay for it.)? |
I would prefer to have a place where I can do a trial period.
I ALREADY tried PRIVACY 1-2-3 and FREECREDITREPORT.COM. I can NOT get another free trial though them, but there has to be ... |
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bluebear | I've just filed for bankruptcy, how can i start building my credit again? |
i'm getting lots of mail to get approved for a new auto loan.i'm paying my existing car loan i don't know if i should trade in my car and open a new loan to start building my credit? do you have any advise........ |
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Unicorn
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I just got discharged from a chapter 7 BK in Dec 2010, I didn't include my car in BK, because my son in on title with me, i was going to surrender the vehicle, but decided to keep it. So here is the problem on mine and my sons credit report it doen not show the car on the there. I dont even get car statements mailed to me anymore, i just make the payments but if I decide to let it repo, will the repo show up on my credit and my sons? Since nothing is showing up now. |
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Mick R
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Don't worry...you will start getting tons of offers in the mail for credit, just sit back a choose the best one for you...all companies know you can't file for bankrupty again until 7 years from now so they are more than willing to offer you credit...relax...you will have ample opportunity to rebuild...for now take a break you just got out of debt...don't get into it again. |
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Studly
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A very good place to start is http://www.lifeafterbankrutpcy.com
This site has lots of newsletters, tons of info and other educational reading. |
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Gatsby216
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Huh? You just filed for BK and want to get back into debt? Sorry I am just amazed how many people say the same thing. To answer your question, there is not some series of actions that will result in your "rebuilding" credit. You can do some things such as....limit inquiries, if you get an account do not max it out, do not get any collection accounts for utilities, cell phones, medical bills, etc. |
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glennroid
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"How can I start building my credit again?"
Not by borrowing more money. Isn't that what got you into trouble in the first place?
The best thing you can do is live within your means and pay ALL your bills on time for a few years. Nothing works better than that. |
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GUS
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Here's something to think about. If your current car loan is included in the BK and the creditor has marked it on your credit report as Included in BK then every month you make a payment you keep a current negative mark on your record that affects your FICO score in a negative way. I kept my car through BK several years ago and paid it off a year later. My FICO score was negatively affected because I kept that loan open. If you have any equity and can trade the car in and open a new loan you will start building a new track record now instead of later. Good Luck! |
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Always Right
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Don't do anything. Especially with a car loan. That BK is gonna be on your record for 10 years. You've got time to wait for a good offer for a loan or credit card. For the time being, just practice living within your means. |
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helpme
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why don't u pay all that debt to build credit.why bankruptcy WHY? BECAUSE................. |
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See Saw
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After you declare bankruptcy, certain things occur. The most important thing that happens is that you get a tremendous sense of relief from having to clear off your unsecured debts. But the other side of the coin is that your creditors and lenders will start considering you risky. This will make it difficult for you to get extended credit when needed. Those lenders who agree to give you credit will charge higher rate of interest. But this gives you a chance to improve your credit after bankruptcy. |
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Bud
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No way don't go in det for a new car.Keep up on the payments on the car you have and what ever you do, don't be late with a payment. It's going to take some time to rebuild your credit again. You do still have credit if your making car payments, you must not of filed on the car. You also might want to apply for a small credit card at one of the dept. store's. That is a start. But what ever you do don't be late with any payments of any kind. Hope it works out for you. |
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Crack myself up *****
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You dont care what you eat??? how disgusting. You should care even if it dont make you sick. You could be eating rat **** for all you know, doesnt mean you will get sick!!! |
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