 Prepaid credit card? Can anyone point out the advantages? |
| I am curious as to the advantages of a pre-paid credit card. Surely if I had money to put on a prepaid credit card then I wouldnt need the card? Also if I had the money to put on a card surely I ... |
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 This Lady Charged me CREDIT instead of DEBIT on my visa check card?! what does this mean!?!?! help please!!!? |
I told her specifically, "I want to use DEBIT" and she charged me credit!
I told her to void it and redo it as a credit and she said that she couldn't.
I'm so pissed...<... |
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 Its it possible for me to start building my credit now,? |
| i am 17 years of age and i wont turn 18 intill june but i was wondering is it possible for me to start building my credit ... |
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 Can I be sued in civil court by a 3rd party collection agency over an unsecured credit card debt? |
| I just received a summons to Akron, Ohio municipal court by the collection agency. Is there a way I can get out of paying back this debt?... |
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 Debt collection letter to pay an old credit card from 1999, should I pay it? |
| I received a letter from a collection agency to pay an old credit card debt from 1999. I recently got my credit report this year and this debt did not show up on it, should I pay it? Will this affect ... |
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 I know someone that committed fraud in order to get a mortgage.he is going into foreclosure. what can he do? |
| He is considering filing chapter 7 bankruptcy on both of his homes, but I think they will find out he committed fraud in order to get the loan. What can be done if anything to help him?... |
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 I am about to buy a new car. Should I pay off our credit cards or use the money for a larger down payment? |
I am wondering if paying off my credit cards will help lower the interest rate that will be offered to me or will a larger downpayment be more beneficial. **Please NO solicitations**
A... |
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 Is it neccessary for an adult to have a credit card? Isn't a debit card already enough? |
| Someone asked how to keep financial stability and many people agreed that she should get away from credit cards.... |
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 Can you brake down $35,000 a year by hour (dollar amount)? |
| $35000 a year (salary) = Hourly wage (40 hours a week) How do you figure that out 35000 divided by 34 weeks in a year or something like that...I forgot how to figure this ... |
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 I need cash asap! Please help!!!!!? |
| I had my wallet stolen and the next thing i know my credit cards are all maxed and the cops wont do crap and neither will the credit card companies...as of right now i am about 1,200 in debt, i have ... |
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 Credit card debt? |
| i have a credit card with lloyds tsb and i have spent £2.300 what is my intrest rate if i have to pay £47 back a month,i need some advice to help me pay it off fast,like to switch it or ask them to ... |
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 How do I know whats wrong with my credit? |
| I am 19 years old and I haev tried to get some credit facilities since I was 18. I decided to get a copy of my credit file because I have been refused credit. But the funny thing is, I got 3 credit ... |
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nachomanhulk | I had an overdrawn account at Lloyd's and cos of this my credit rating is bad and I cant open a student? |
account how do I imporve my credit rating? it was a lng time ago and they closed my account at Lloyds TSB, but my credit raing is still bad |
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kdee
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I had a majorly overdrawn student account with Bank of Scotland yet Halifax opened me with open arms and even gave me another £500 overdraft. this was several years ago mind you, worth trying lots of banks though, some of their policies might be different. |
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james m
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Is that account paid off? If not,get in touch with Lloyds and pay off the account.They may be willing to work with you on this matter.If you never paid off the account,you still owe them.Just because they closed the account does not mean the debt is forgiven. |
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A
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i tried to open a student account with llyods last year and was denied for poor credit rating too.ive never been overdrawn or in anyway had poor credit.ive only ever had one bank account before this and hadnt even really used it...they say they dont take into account your address but i cant see any other reason why i would be denied:/
in the end i went to HSBC who had no problem with my supposedly poor rating so perhaps try other banks? (they all have different methods of calculating your rating) |
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Ralfcoder
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The best way is to pay your bills fully, on time.
In your case, I'd find out the status of the Lloyd's account, and pay them back. Get a copy of your credit report, and see what's on it. If you have multiple credit cards or other loans, start paying them off as well. Make the minimum payment on all of them, except the one with the lowest balance, and put every single nickel you can towards that. You should be paying 5-10 times the minimum payment if you can do it. This might mean that you give up lunches out every day, and carry a brown bag. Or you stop smoking, drinking beer, and buying lottery tickets, and use that money towards the debt. Or you give up the weekend nights out drinking with your friends, and get a second job in a gas station, or stocking shelves, or something like that. And every cent of the paycheck goes towards paying off these loans.
Once a loan is paid, request IN WRITING (that's important) that the lendor send an update to the credit bureaus to show that the loan has been paid. Then take all the money that you paid each month for this loan, and apply it to the loan with the next highest balance, and repeat the process until everything is paid off.
It will take time, but it can be done, and you'll make a big difference in your credit rating. |
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PAUL C
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It begins when you pay them back. What did you think? |
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mister ed
 |
i would say unless you are really dumb you will be out of school because it will take that long to improve your credit -- just a case of poor money management coming back to haunt you -- not the end of the world -- you are not along -good luck |
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Michael T
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Get your credit report and review it for negative items. I am sure Lloyds is on there. Contact them and see if there is anything you can do such as work out a payment plan with them. This same thing happend to me last year and my credit score was 540. I found a great solution at http://www.your-credit-solution.com/creditsolutions.htm and now my credit score is 746. Just being able to raise my credit score has saved me a lot of money. |
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Subic
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Not defaulting on debts is the best way. |
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aresee
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Things like this stay on your credit report for six years. If it was longer than 6 years ago and still appears on your credit report, write to Experian and ask them to remove the entry, or write to Lloyds. |
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Teal R
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Can't believe they are like that at all the banks unless you never paid them back, which I'm no expert at.
Have you tried the others: Lloyds if they are to blame you can burn for the rest of your life: I did NatWest, when they lied on the phone about setting up an overdraft limit and never set it up. |
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nurseybird
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all the banks have turned sour - theyre all wankers |
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