 What is the FASTEST way to build up good credit? |
| Is it the higher the amount I purchase and the more i pay per month ? Or is it just the fact of paying regulary?... |
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 Can breaking out of a lease early reflect on your credit? |
| I'm just curious to know because my wife and I are looking to buy a home.........but we are locked into our rent for 7 more months. We don't want to let an opportunity to own slip by in ... |
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 Why do "wealthy" people use credit cards? |
| if wealthy people have money,why pay interest?why not use bank cards?... |
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 I let my fiance get a car under my credit. Any advice for being smart about this? |
| I (24) love my fiance (29) very much and we plan on getting married soon. He has been paying $700/month (for 3 yrs) for an old car that has been a big bill for him. The other day we went to a car ... |
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 If I pay everything I owe on a card that has gone to collections, will it be taken off my credit report? |
| I paid off a debt in full and I was told by the collector that no one would know about the debt after it was paid, but it is still on my credit report. It has been over 6 months.... |
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 I need a big loan.? |
| I have had perfect credit for four years. I am looking to get a huge loan "$400,000" to purchase a Subway resturaunt. I have worked for the owner for seven years and I think he will co sign.... |
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| Does anybody know if doing paid online surveys actually pay you? |
| i been looking at working from home options on the net and i'm wondering if these paid online surveys are worth doing or are they just a scam?... |
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 Can anyone make an argument for the use of credit cards? |
| I cannot find one reason people use credit cards instead of just paying cash. It appears to me that it is just playing with snakes, and even incentive cards have high interest rates and outrageous ... |
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 Was I a victom of a credit card scam? |
| I just made a transaction on my credit card from newegg.com. Just after I submitted the order, A screen from my bank (HSBC) asked me to set up a password for protecting my credit card during online ... |
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 How should I Start building myCredit history the right way? |
| I never had credit im 18 now!!! And i want to buy a preown car in the next 3 yrs. So im asking what should i do to get good crdit fast and what can i do with it.... |
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 Cancel my credit card? |
| I've had a BoA credit card for about 4 years now, I just got the balance to 0$. I'd like to cancel the card, but have heard both side of the story of it hurting my credit and not hurting ... |
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 How do you respond to creditors who harass you by phone.? |
| This company calls quiet often even though I have told them to stop because I never had an credit account with this company and if I did it is way past the statute of limitation. They want me to ... |
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 I got a letter from a collections agency threatning Arbitration? What is that? I'm scared!? |
| I got a letter in the mail from Midland Credit Management, Inc regarding my debt with Verizon. This debt is from 3 1/2 years ago. It says to call them to arrange to pay the balance of $1096.08 by 8/10... |
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 Can you return clothes to Topshop without a credit card if they were bought with a credit card? |
| I accidentally bought a top in the wrong size and I decided I didn't like the top that much anyway, and I'm just wondering - could i return/exchange it without my mother being there (she ... |
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 Home loan with bad credit? |
| ok here goes im trying to buy my first home. have little to no money to put down. credit not that great does anyone know of a place in kc mo that will help me ... |
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 Can anyone recommend a good credit card? |
I've never had one before so don't know where to start! Am also worried about getting turned down cos I have no credit history.
Additional Details
I should probably give more ... |
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hunter | I claimed bankruptcy 10 years ago, can I get a personal loan? |
I haven't gotten a credit card either. When I go for the personal loan, do I still need to say Yes, I claimed bankruptcy? Even though it has been 10 years? |
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Studly
 |
Don't you wish Yahoo would find some way to kill all these spam answers? They are all over you today! lol
How about some useful info?
For starters.....when recovering from a bankruptcy you need to start immediately in rebuilding your credit. If you haven't done anything in 10 years, your credit is still gonna look terrible!
Go over to this site. Http://www.lifeafterbankrutpcy.com
This isn't spam...but this site does have stuff they are selling. but they also have a ton of free information, and newsletters. Their last 3-4 newsletters gave step-by-step info on rebuilding your credit after a bankruptcy.
Other past issues give info on how to properly go about seeking a loan.
No, you do not have to tell them you have a past bankruptcy. If you do, that will most likely kill your loan. Many loan officers are very narrow minded, and if they see a BK they will rubber stamp your application immediately. If they care about it, let them do the research to find out. Most will not look past your credit report, and the BK drops off that after 10 years.
At this point, if you have not established other credit, you need to be more concerned about not having a credit rating. The above site will give you a few ideas on quickly getting started.
You will most likely have to talk to the loan officer and explain your financial situation. Again, don't mention the BK, but point out that you have a good work history and your finances are good enough to support a loan. |
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danadeville
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I claimed bankruptcy some years ago. I can't remember exactly. But it is still on my credit report. I believe for another 2 years. I just got a new car loan. But I had been doing things to rebuild my credit all these years. That probably makes a difference. I think it all depends on who looks at your application too. I applied for a store credit card and was denied. But the week before I was approved for $17,000 for my car. |
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newyear2007
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You first need to pull a copy of all of your credit reports. www.annualcreitreport.com and make sure that the bankrutcy was removed from your report, and that any account that it was filed on is removed. If anything is there dispute them so that they will be removed just say that it was over 10 years ago and they will remove it. Then you don't have to mention it because nothing is going to show up when they run your report for the loan. |
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Landlady R
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Always be truthful.
If you were no longer late paying your bills after the bankruptcy was discharged, you can get a loan. |
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