 This is a serious question about bankruptcy or trying to avoid creditors? |
| i had really good credit until a few years ago, i had all the major credit cards and i always paid my bills on time. but i was unemployed because of an injury for almost 6 months so i just lived off ... |
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 Anyone know a lot about credit? |
| Well here's a little bit about my credit history. I have once credit card I am in the process of paying off. I had verizon wireless and couldn't afford to pay my bill so it became a write ... |
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 Is it better to get my house loan or car loan first ? |
| okay im 17 but turn 18 in less than 30 days in the next couple of months i want to buy a house and a truck. the truck i want is $11,000 and my house is $40,000 i really want to get my truck but i ... |
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 Hi im 25 with defaults and bad credit history and looking for an immediate loan of $2000. can anyone help me? |
| it needs to be fast approved and fast. im really desperate and need to find ways of getting this money by the end of the ... |
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 Refusal to pay stuent loan: what the worst? |
| So from all the research, the only thing that can be done is wage garnishment, and if you don't have a job, what the big deal? I own no house,land or property, I do not work, I recieve no gov... |
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 I have paid dept of in full? |
| does any one know if you pay a dept completely of if experia can clear ... |
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| 23.99 APR for a credit card |
| I'm just starting to get a credit card so I don't know much and want to start out little. It is a 200 dollar limit with 23.99 APR. So if I spend 50 dollars, how much more are they going to ... |
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 How do you correct bad credit? |
| My boyfriend has horrible credit with a lot of past things he needs to pay off. Is there a type of credit counsler, or financial advisor that can help him get started? We want to start looking for ... |
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 I am considering bankrupcy....? |
| has anyone ever done this, I want to hear from people who have done this with an attorney and what the outcome was. I have $35,000 in credit debt and I can not work out payment agreements and I can ... |
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 I cosigned on a car with someone 3 years ago. How do i transfer the payments to the other person? |
| The person is not paying me the money on time. I have to pay it so that it does not affect my credit. Both of us names are on the purchase papers.... |
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 Do you have to be 18 to acquire a credit card? |
Additional Details
this is argument between me and a co-... |
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 Can a cell phone plan build your credit? |
I recently got a 2 year contract in my name. I don't have any credit (I just turned 18 a few months ago) but they ran a credit check and I was somehow approved for a contract with T-Mobile.... |
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 Need a website where you can apply fo a loan with bad credit.? |
| Don't want any private lenders B.S. I don't have bad credit or good, so say it is fair. I am never late on payments, but have some doctor bills that have not been paid, I don't get ... |
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 Is a credit card better than a debit card? |
| I currently have a debit card and find it very convenient while making transactions at merchant dealers and online. But, most of my friends have a credit card and tell me to take one. I always think ... |
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 Do personal loans ruin your credit? |
| Can taking out a large personal loan of between 5-8000 dollars have any effect on your credit score?... |
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cindyac042 | I have less than perfect credit? |
i made mistakes when i was younger getting a credit card at 18 with no job, now that i'm older have a good job and good income nobody trusts me with credit.......is there anywhere i can go or due to try to fix me poor credit.....? |
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Right_Tonight
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Have somebody co-sign on a small loan. |
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Maggie67
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You said you have a good income. Make a small loan at your bank using your savings as collateral. Make the payments on time each month. As soon as you pay it off, do the same thing again with maybe a larger amount. This will help you establish good credit. Check your credit report to make sure that it is correct. Dispute anything that is incorrect. Apply for a dept store credit card (they are usually easier to get than a visa or MC). Pay it off every month. Within 6-12 months you'll have established positive credit accounts that will improve your overall score and eventually the bad credit records will come off of your report. It will take some time but you didn't get bad credit overnight so don't expect it to be fixed that way. |
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killer boot
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welcome to the American way.
get a smaller card, like Sears or something that you won't be tempted to use all the time, buy something when you have the money to pay it off and pay it off before the statement due date passes. if you slowly do that enough and work your way up to a few smaller cards you'll be ok after a while.
good luck! |
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suchaprettyface11
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Something you can do to help your credit is to get a gas card, that will help build your credit up. |
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gtofinancial.tomvoli
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There are ways to rebuild this. You probably should start with a secured card. There are multiple banks that will give you these because it requires a savings account be deposited with them as collateral. After 6 months you will have the rating you need and should start seeing card offers.
I write a blog on the subject of credit management, mortgages, real estate trends, etc. Check it out for more information that may be helpful. |
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Studly
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Follow the advice from previous answers. But I can use more info.
What is the status of that last card? Defaulted and charged off? Or just late payments? How long ago was this?
You may want to try getting this knocked off your credit report by trying to dispute it. See the link below for info on how to do that.
Don't expect any real quick fixes. It's going to take several months, but if you only have this one bad item on your report, you will overcome it. |
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miraclev2001
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Get a "secured credit card".GO TO THE BANK!!!!
You use your own money to get "secured credit card"minimum amount is $300.00.
Use it as a regular credit card.Pay EVERYTHING on time(and in full if you can afford it).Within a year your score will go up,you will be able to get a regular credit card and you will get your initial deposit back(with intr.)
Good Luck |
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afarinavaz
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get a secured credit card, pay it off every month, so you establish good credit over time |
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Vadalia
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You should try getting a secured credit card and a small secured loan through a bank or credit union. This is where you let them freeze money, then give you that amount back in cash (for a loan) or give you a card with that amount as a credit limit (for a card) and you pay it back slowly. The money unfreezes once you've paid off your loan or when you graduate to an unsecured credit card.
This is the best way to build your credit back up and can yeild very nice results in as little as a year. |
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melwil25
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You could get a secured credit card first and use it for six months. Then try to get a loan or a new credit card. It worked for me. |
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Mariposa
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Start with getting a copy of your credit report. Look at what items are hurting your credit the most and start with those items. |
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jkf728
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Get this card:
http://www.landing.orchardbank.com/media/disclosure?cmd_lpage=&indicator=OB001&media=O6TX27A200607013542XX
You make a small downpayment to rebuild credit. It works. |
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