 First Time Credit Card! I don't want a very large credit limit and i want to choose my design. Please Help! |
| This is my first time trying to get a credit card. I am trying to be as careful as possible because I dont want to ruin my credit at only 19 years old. Im looking for a credit card that I can choose ... |
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 What can I do to bring my credit score up? |
| My credit is bad due to my divorce. My score is 549. I have some charge off's . When my ex left me i was more focused on making my house payment than my credit cards. I would send them less ... |
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 Is it common for credit card companies to charge a "foreign transaction fee finance charge"? |
| I recently traveled out of the country, and used my credit card several times. On my two most recent statements, I see this foreign transaction fee finance charge. It seems ridiculous that they are ... |
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 I need to get a loan.help? |
where is the best place for me to apply for a loan?i dont own my home,i work part time.i want to put all my debts together in this loan as i am struggeling at the moment.
Additional Details<... |
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 I need to get some money from my credit card but i have forgotten my pin. ? |
| if i go into the local branch what details will i need to withdraw some money?... |
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 What interest rate can I expect on a mortgage loan with my credit scores? |
What interest rate can I expect on a mortgage loan with my credit scores?
Today I have 564 588 654...I am hoping to have my mid-score up 10 pts by tomorrow, and then i am applying for the loan ... |
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 Should things like bank accounts, passwords, credit cards be just for you? |
| Here's w hat I believe. I believe that some things in life should be just for you only. Its not a lack of trust but there are some things I refuse to share like bank accounts, passwords, etc. W... |
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 I just got a new car loan under my b/f's name but i will be paying it is it okay to send the check in that has |
| only my name? Will they wonder who I am and question it?? R is it more of a hey we got the $$ who cares who's paying it?... |
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 Do medical bills really affect my credit report? |
| I have a few medical bills on my credit report but I here they do affect your credit and some people say they don't. Does anyone know the answer or can direct me to the correct website to get ... |
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 Will it help my credit? |
| i just bought my girlfriend a diamond ring at a value of about $1500 but i'm payin 4 it in payments and i bought it at "Kay" not some shop on the street.... |
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 Can i get credit card???? |
| can i get a credit card when i am unemployed??????????... |
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 No credit? |
| i am 19 and have never had a credit card...just tons of debit cards. what credit card can i actually get to start off with?? i would like to build some credit while i am away at college.... |
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 Credit Card cancellation? |
| Okay, I am thinking of cancel two of my credit cards, which i've already paid off. My question is, will it damage or cause my current score go lower? **I barely use that 2 credit cards**... |
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 If I paid my credit card off early, can I charge something on it's due date and be okay? |
Or will it be listed on the previous months (Jan.) balance? My due date is tomorrow but I have paid it off but want to buy something on sale tomorrow..it's the last day.
Thanks!... |
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 Why are these debts still on my credit report after 7 years? |
| I recently visited freecreditreport.com and got my credit score. When I was 18 years old, I got three credit cards in the mail. I had no job since I was going to college full time and used the $2200 ... |
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 Can I sue a friend for not paying a credit card that I opened for her in my name? |
| In '05 I opened a credit card for my ex-manager. I was told by her that she paid it off. It never crossed my mind about the credit card until a couple of months ago i received a letter from the ... |
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 How much will my credit card limits go up? |
| these banks are giving me little credit card offers, like $2,000. how much do you think these starting limits will increase once i start making payments for 6 months? i need a bigger credit line.... |
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Michael W | I have a low credit score. What can I do to raise it? |
I've heard you should get 3 credit cards and make all payments on time. Is this right?
Also, what if I get 3 credit cards, and just never use them? Do I have to have current balances? |
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pooh
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If you have a low credit score you need to pay any bills you have on your credit report and if its low because you have no past credit then yes get a credit card or two and use them and pay the balance every month. |
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Landlord
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I only use one card, but yes, you need a balance and interest in order for them to have anything to report. |
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Kelsey
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Okay, first off the rule of thumb is to not have MORE than 3 credit cards, it does not mean you have to HAVE 3 credit cards. And never, ever, ever go out and open 3 credit cards (or multiple loans) period in a short period of time. THAT will hurt your credit.
If you have or get a credit card you need to use it to keep it active. If you get a card and just let it sit, you're not establishing payment history. Use the card to buy gas, and pay it off each month. If the account sits unused for 6 months it will start to report on credit as inactive and that will hurt your credit.
Keep credit card balances at or below 30% of their credit limits (example: $1,000 credit line = $300 max balance).
Pay ALL of your bills ON TIME - NO late payments
Pay off all collections, tax liens, judgements, etc.
Limit inquires to 4 per year
Lastly, give it time. Your credit score will not go up overnight, be patience and it'll get their eventually. |
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girlwhoknowsitstrue
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if you never use them, then your credit score won't go up, it's paying a bill that helps raise credit score.
you don't need to carry a balance, because every day your credit score changes, so if you charge $10, that balance will show on every day's credit report until you pay if off. |
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Bob D
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You need to use them a little each month and then pay it off. 3 credit cards help alot if used and paid off. |
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alexa dion
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5 not to miss things for a good credit score
1. Use the credit card only when absolutely essential. Pay your regular expenses by cash or a debit card. This will help you budget and not go overboard with credit card debt.
2. Follow repayment schedules like religion. Don't miss out and invite late payment fees, increased APR rates and blocked reward programs.
3. Don't stick to the monthly minimum payment. Pay the maximum you can afford and get that outstanding debt cleared as fast as possible. By just paying the monthly minimum the credit card companies reap the maximum rewards while, as a consumer you pay the maximum interest.
4. Get rid of multiple credit cards. Although this might sound difficult, but if you are struggling to repay on time and, juggling with the repayment dates is causing you to default- it's time to think. If there is a genuine need to keep multiple credit cards, then try to automate their monthly payments. This will ensure that you don't default unwillingly and face the negative consequences. Read more from: http://www.credit-card-gallery.com/article/264,5_not_to_miss_things_for_a_good_credit_score |
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tim t
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The process of credit repair is much more than simply eliminating the negative information. You should ensure any positive information that can improve your credit score is actually included.
1. Report Your Positive Accounts:
2. Use Other Person’s History:
3. Go For Plastic Cards
4. Use a Secured Card: |
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Nally25
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Instructions
Difficulty: Easy
Steps
1Step OneCheck your credit report! Determine how much improvement you need to make your score attractive to prospective lenders.
2Step TwoIf you have overdue accounts, get them paid and keep them current. The longer you keep all your debt current, the better it will look on your credit history. This will lead to a better FICO score.
3Step ThreeSettle any accounts that have gone to collections. This will help your score in the future, if not immediately.
4Step FourKeep balances on any kind of credit card or “revolving credit” low. When you have high balances, they can be a huge detriment to your FICO score.
5Step FivePay off debt instead of moving it from one place to another. Paying off the debt, or lowering the amount owed, will increase your score.
6Step SixOpen new credit accounts responsibly and pay them off each month. Showing a good payment history over time will raise your FICO score.
7Step SevenKeep open accounts you already have. Closing current accounts will not help your FICO score, but keeping them paid on time will.
8Step EightCheck your credit report at least once a year, to determine how well you are doing at improving your FICO score and to make sure it is not actually getting lower.
9Step NineCreate a budget, including a payment schedule of all your debt, and stick to it.
Tips & Warnings
Married couples should always look at both individual’s credit scores.
Settling an overdue account that has gone to collection will not remove it from your score. Know that it will remain for seven years, so you are prepared to answer questions about it.
Moving debt from one card to another and closing the one card account can actually hurt your FICO Score.
Making a monthly budget and sticking to it is the best way to improve your overall financial situation, which will lead to a higher FICO score.
Beware of companies stating you can get a “Free Credit Report”. Normally you will get a credit report, but you will also be required to buy a service for an entire year! You can purchase your credit reports yourself for less from all 3 agencies.
Watch those “Raise your FICO score FAST” schemes. For some, they may work, but more often they backfire and actually lower your score! |
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Magnusfl
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It a lie you have to run balances but you do need to use them the best way to do it is one dedicated for gas and make sure you pay it off every month the second for general purchases the 3rd for grocery's
the one key thing is never charge what you cant pay in cash
and once you charge it put the cash aside so you put 30 on the gas card put 30 in an envelope same with all the other cards so you can pay them off every month
also make sure you pay all your other bills on time as credit is built by not being late
best cards I have
Discover gas card hard to get but pays back 5% on gas
Amazon gives 3 points per dolor on Amazon purchases and one point everywhere else every 2500 points gives you a 25 dollar gift Certificate for amazon.com plus 30 dollars credit for signing up |
|
ignyte
|
http://www.easycreditfixinfo.com/...
Do it Yourself Credit Repair Kit
Everything you need to begin repairing your credit today.
This product details the truth about credit reporting, credit bureaus, financing, credit scores, disputing bad credit and the best countermeasures available to recover credit worthiness. Credit repair is possible and this guide shows you step by step how to do it your self. It's actually EASY!
The info and resources in this credit repair guide represents over 25 years of research and experience in the field. The authors of this guide have witnessed the correction of over 200,000 negative credit elements and the deletion of over 115,000 negative credit items using the exact methods described throughout the guide. You can be one of them! |
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joveesasha
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None use does not built credit as fast as using them and paying on time. Pay them off in a few months and call them tell them to offer more credit. Slowly your credit rating will go up. Call your 3 rating company's and ask if there is something under your name stopping you from getting the right rating. |
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