 Denied for a secured credit card? |
| I'm a new resident and have zero credit. To build one, I applied for a secured credit bank with Bank of America. I set up a savings account for $500 and that was supposed to be the card limit. N... |
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 Victorias Secret Gift Card/Credit Card? |
I am making a purchase off of Victorias Secret, and I'm using a gift card. It won't let my buy anything though, unless I enter my credit card number.
Will it take the money off of my ... |
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 Feel Pretty Dumb..Need Help..? |
| I just took my Son to buy some New Wrestling Shoes and used my Visa Credit Card...I signed the Receipt and I just discovered that the gentleman behind the counter not only gave me MY Receipt but also ... |
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 How does one acheive a credit rating and or remove bad credit? |
| Over the years, I have not had many debts. However it seems that the tiny amount of debt I owe seems to haunt me. I had a 300 dollar limit credit card, lost my job about a week after almost maxing ... |
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 What is a perfect credit score? |
| And where can I get a free credit report ran? I think last time I got my score, it was an 827. Is it out of 1000?... |
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 I'm on benefits, how does bankruptcy work for me ? |
| i want to go bankrupt but dont really understand it, could somebody help me ... |
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 Do any credit cards prevent you from paying off your debt in full in one month's payment? |
(a kind of early repayment penalty as with mortgages)
ie. Most have a 'minimum payment', has anyone heard of one which imposes a maximum payment?... |
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 What is best credit card for college students with no credit history? |
| i'm planning to apply for a credit card but i have been declined from one (american express blue for students) and i'm not sure which one is best for me since i believe some of them require ... |
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 I bought things online before i was 18, am i obligated to pay? |
hello,
i purchased a bunch of items online through abcdistributing and ltdcommodities when i was 16 or 17, a couple hundred worth, buy now pay later sort of thing, they won't stop calling ... |
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 Where in the UK do people find loan sharks? |
| I mean really sharky sharks, the dodgy type?... |
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 Why do i need a social security card? |
| i got a job offer at my school today but she wants me to bring in my social security card . i have a social security number. i went to the social security office did the paper work but have to wait ... |
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 I made an offer on a condo, and my father is co-signing for me because I have very bad credit.? |
Is this possible? Will this work? Or will some of my debt have to be paid off? Anyone know? $15,000 is what he's putting down for me also.
The offer has been accepted by the seller, ... |
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tapia2410 | I had bad credit and now I paid my debts but I still have a low score. What can I do to improve my credit.? |
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 |
 
E
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It takes time to build a good credit score, but you can start by charging things here and there, just make sure you pay everything off on time every time and your score will increase. |
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Frank Castle
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Apply for more Credit Cards (One at a time) |
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Cattlebat
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Don't spend your ******* money |
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spade270
|
Go here http://www.allsolutionsnetwork.com/cgi-bin/d.cgi/CB9051/creditrepair.htm |
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?
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Open an account, such as a CD at your own bank. After it has been open for 6 months, apply for a loan DIRECTLY with an account rep/loan officer at the institution, explaining your need to improve your score. You will, of course, use this account as collateral. Borrow only about 75% of the amount you have on deposit. Also ask the loan officer to put an automatic rollover on the account until the loan is paid in full.
$1000.00 deposited, no more than $750.00 borrowed.
Also, ask them to tie your interest to your CD, in other words, ask for 2-3% over the interest drawn on the CD. You probably wont get that low a rate, but he/she will get the idea you know more about finance now than in the past.
Good Luck! |
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thylawyer
 |
How long ago did you pay off the debts? Slow pay/no pay stays on your record for 7 years. The importance of that bad information in your score goes down every year if there are no more bad incidents, but just paying them off will not immediately improve your score. You need to use credit responsibly, meaning use a credit card or get a loan and pay it off on time with no late payments. Not using credit will not help your score. |
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researcher2
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Honestly, I was in a same situation you are now. I was a slow payer and finally paid all credit cards and auto loans off. Your slow payment or delinquencies stay in your credit reports for 7 years. What I did is that I destroyed all credit cards and reduced my borrowing power. More credit cards you carry reduces your score. There is a law firm called: LEXINGTON LAW I believe you may find it on a Internet. They will charge you about $40 a month and correspond to your creditors on your behalf and straighten your late payment records. Try it....
Good Luck |
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MojoMan
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One of the best ways to rebuild your credit rating and score is to get new credit. I relies that this is hard when you have had bad credit in the past. Try applying to Sears. They have one of the easiest cards to get, if not there get a secured credit card from your bank. If they don't offer it open up an account with a bank who does. Make sure that they report to the credit reporting agencies. The next step after that will be to purchase a car. It doesn't matter what kind of car. Get a used one. What you want with the car loan is at least $2400 financed and a term no shorter than 24 months. Almost all used car companies will loan to someone who has an active credit card. Make sure you pay all payments on-time. After that get another credit card.
All this will take time. What you wont at the end is 3 accounts that have been paid on-time for a minimum of 24 months and one account with a loan amount that started out with at least $2400. With these three items in place you could actually go out and get a home mortgage, provide you have the income needed to support the payment. |
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Luis
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Talk to your banker, they'll have the best options. Likely a small credit card would help. |
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buffy2392
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Well i think you should just buy little stuff that you can pay later with mony you earn and pay it off on your card.....and if you keep this up you should get your credit score up and high......Hpoe this helps you....I got the same promblem.... |
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