 I have a £2K overdraft with Lloyds TSB which they want back by Nov 26th, 2007? |
| Hi, I have had an overdraft with Lloyds TSB for a few years now, totaling £2000. They now want to take it back on the 26th November, 2007. However, financially I am not able to pay it back right now ... |
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 Does any one know how i can get a loan i need to buy this trailer for my kids i need 5,000? |
| a fresh start for my family and I in a new town just what we need but we can't seem to come up with the money right now we can make a payment we just finished paying off his van 4 years of 450 a ... |
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 I got charged $130 for a couple roast beef sandwiches at Arby's, best way to get my money back? |
| I swear I'm really not that fat that my Arby's bill is 3 digits. I did go there (my card isnt stolen) but the charged amount is wrong.I called my credit card company and I have to mail in a ... |
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 Do u own a credit card? |
because at 28, i dont at all.
i still use cash. is that bad?... |
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 Getting a Credit Card under Sons social....? |
| I was wondering if anyone knows if you can get a credit card or any other type of credit under a person child's name and social if the child and one of the parents have the same exact name? Does ... |
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 How do the credit repair companies fix your credit? |
Iv'e heard they send letters but how can I learn aboutit to do this for myself and my friends and family?
only serious answers.... |
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 I am tired of interest charges being like a loan shark charges in the USA. Who agrees? |
Finance charges are so horrible in the USA. They will never go down.
Additional Details
For those who claim I am a dumb blond. I only owe for my home. 3 acres 4 bedrooms, 2 bath, Over 25... |
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 Using cash or credit card for gas/groceries? |
| for gas and groceries-do u charge or use cash?... |
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 How to get a loan teenager? |
| im 16. have already graduated. have full time sales job and part time weekend job. i have enough money to afford a nice truck payment. how do i get a loan, when my parents have bad credit and cannot ... |
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 How should I go about raising my credit rating? |
| About 8 months ago, I applied for a credit card. I use it religiously about 3-5 times a month (usually about $20/month) so that I can raise my credit rating. I currently have Capital One so the APR ... |
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 Credit cards:? |
| Anyone have any more options for first timers? I have been trying to get one ( I have no credit at all) and have been denied by EVERYONE! I am losing hope! What do i do?... |
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 If my husband moves out of the country am I responsible for his credit card debt as well as mine? |
| I will need to divorce him soon and wonder if that is possible on 2 separate continents? He is crazy mind you, and is fleeing from all responsibility, both the debt he incurred while we were ... |
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| Are you criminally liable for defaulting on a credit card bill? |
| On my one credit card with a $10,500 limit, I missed a payment and the interest rate alone made me over the credit limit. Without moving in with parents I wouldn't have been able to get it paid. ... |
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 $ 10,000 loan needed A.S.A.P.!!!? |
| long story but i need a ten thousand dollar loan before the end of this month!?... |
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 What's the best credit card for a college student? |
| I'm looking for a good credit card with low annual and monthly payments and a decent APR. I would be using it mainly for bills and other living expenses.... |
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 HELP! I think I am being sued by a collection agency? |
| I just got the letter from their lawyers stating that might come after me and take me to court. It is an old SBC bill for $2800.00 from back in 2003, what happens if they sue me? What does a ... |
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qualls0112 | I am paying off my debts. Now what do I do to build up my credit?? ? |
I have bad credit. I owed around $1400 in hospital bills. This week is my last week making payments. Starting next week, I will owe no money to anyone. Now what can I do to build up my credit? I never had a credit card before..not sure if i'm ready for that. I don't have any co-signers. I never gotten a loan before. My credit was so messed up because of hospital bills. Now that they are paid..what do I do?
I am 26, would like to buy a house before i'm 30. How do I get good credit??
thanks! |
 |
 
Jarrett E
|
I hate to sound like a broken record, but yes you need to get a credit card. Store cards or secured credit cards are a good place to start if you cannot get an unsecured card. Use it for all of you normal every day purchases like gas, groceries, bills, and even rent if you can (I had an apartment that took credit cards). Pay it off EVERY month. After a while you can probably get a rewards card of some kind. If you do use the card for everything (I still do) then you basically get paid to use your money if, and only if, you never carry a balance. Never carry a balance, never. I look at it as a way to make my every day spending money work for me. If you think you can use a credit card on a rainy day, don't. Save money for that. After about year of having a solid history you may qualify for a small personal loan. Do it. Even if it is for $1000 you need to have that in your history. Make the payments early every month and then pay it off a few months early. Establish your ability to make regular payments and pay off debts early. That is really all you need to do. Don't be late, don't pay less than the minimum.
Never carry a balance, live within your means, and do not make money the center of you life.
Good luck... |
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The Wife
 |
Start with a secured credit card that you pay off in full each month. Shows revolving credit in good standing - this is what creditors want to see. |
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aimster92
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That was me, exactly! I'll tell you what I was told at the bank when I was turned down for a mortgage. The loan officer told me to get a credit card. Just a store card. (you'll qualify- I did!) Use it when you go there and pay it off every month. Don't charge over half your credit limit on it EVER. This will put 'good' marks on your credit for you. I resisted getting a credit card until I was over 30. Finally I had to admit that in order to get a decent credit score, you have to use credit. I still only have that one store card, though.
I swear I was in your EXACT position right down to the amount of medical bills owed.
The bank told me that if I did this it should build my credit enough to buy a house this spring, but my medical bills have been paid off for over a year. I guess we'll see how it turns out!
Good luck to you! |
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Ray
 |
Get a credit card, use it, and pay it off every month. Or make large purchases, and show that you can pay them off. It's time to get a credit card, because this is the quickest way for building credit little by little. |
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Brown Pit named Blue
 |
Maybe get a store credit card or one with very low limits. Buy something very cheap, and pay it off every month.
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Gertie
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You can write a letter to the company that reported the negative items on your credit report and ask for them to be deleted since you have paid the accounts. Since they are the ones who are reporting it they can also delete it. |
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climbrgrrrl
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First thing you need to do (if you haven't already) is order your credit report. You get 1 free one a year. Order it from all three credit bureaus.
Then go through and make sure all the information is correct. If you paid your outstanding medical bills you can request that they take them off. Sometimes they won't for 7 years but some places will...it doesn't hurt to ask.
Then you need to get some credit. Even if it's a small amount. You need to show you can handle payments. |
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River Euphrates
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Start saving up money for a down-payment.
Avoid adjustable rate mortgages (ARM's) - if they are still allowed.
Avoid taking out credit cards, or other loans unecessarily.
Maybe get one or two cards - for gas & other things that you are going to buy anyway, but pay the balances off consistently when you get paid.
Get a loan for a car that you can afford - make sure to take into account money for maintaining it.
Be careful - credit is a dangerous thing. |
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wcnghj
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Go to annualcreditreport.com, check for any and all errors. If there are any errors, dispute them.
Next, go to a local bank and get a secured credit card, make ontime payments.
>>PS: Getting a contracted cellphone will not help your credit in any way. |
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bfort
 |
the best way is if you do not already have one get one a cell phone and that will help then get a credit card with like a 500 hundredollarar limit or if you don t trust your self get one even lower and only use half of the capablele amont never go above half that show s you have self control and helps with your credit score other than that i dont no |
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Rachelle
 |
From the Federal Trade Commission website:
"The first step toward taking control of your financial situation is to do a realistic assessment of how much money you take in and how much money you spend. Start by listing your income from all sources. Then, list your "fixed" expenses — those that are the same each month — like mortgage payments or rent, car payments, and insurance premiums. Next, list the expenses that vary — like entertainment, recreation, and clothing. Writing down all your expenses, even those that seem insignificant, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest. The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.
Your public library and bookstores have information about budgeting and money management techniques. In addition, computer software programs can be useful tools for developing and maintaining a budget, balancing your checkbook, and creating plans to save money and pay down your debt.
If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file is known as your credit report. It is chock full of information on where you live, how you pay your bills, and whether you've been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your applications for credit, insurance, employment, or a lease."
Additional information is at the FTC website. |
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Helen
|
Hello,
I live in the US and i really have never seen goodness shown to me this
much in my life as i am a struggling mum with three kids and i have been going
through really rough times in my life and my name is Helen
Peters and in all this hard times, a worse incident occured in my life as i
lost my job which was my only means of survival and things became really bad as
i had bills to pay and my last son suffered a knee injury incurred when he fell
from a tree house and the doctors informed me that he needed a surgical
operation for his knee so he could walk again and at this point, life was
useless to me as i have no family and no one to run to and each night, i will
sit down and cry till the break of dun until one day, i read an advert on yahoo
answers of man that stated that he could help people in my shoes with loans and
in my desperate situation, i had no choice but i had to try and so shocking and
suprising, it was like an impossibility becoming a reality, i got a loan of
$75,000 USD even with my bad credit within 48 hours and my sons surgery was done
and thank GOD it was successful and now, i am okay and living in comfort with my
kids and i said to my self, i have never ever seen this kind of wonder in life
and i decided i will tell it to the whole wild world and i need every one to
thank GOD for Mr Patrick Harvey, the man GOD used to rescue me and my family
even when all hope had been lost and gone and i will say to every one, no matter
how dark and sinful the world is today, there are still GOD fearing and reliable
people on earth and if you are in my former situation or require a loan
legitimately, i will advice you contact this loan lender and you can reach him
via patrickharvey12@yahoo.com and i want you all to pray for this man for me.
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ONE OF MANY
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Rent to own, in order to build credit. |
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projectl_c
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No. **** it all and go to 4chan.org! |
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Naughtyd0g
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Steal. |
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