 Need a bad credit loan. My credit score is 643. No payday loans pls. Need 3000 soon or more for debt con.? |
| Applied with citi, cap one,AmOne no luck only finding payday loans on the internet or pay up front places. Need your all help to find a good lender. THANKS.... |
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 I know how to reclaim all your unfair bank charges from the bank? |
Want to know how,
Has anyone else had success and if so how much, I got £2200 back in charges over a 6 year period.
Additional Details
well guys, see sarah lou's answer ... |
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 I need your help with a credit card question? |
| I hear a lot about credit line and really have not found what i want. When a person is issued something like an $800 credit line, what does it mean? It is the maximum credit you are given, but does ... |
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 Can I file bankruptcy if I don't own a home? |
| I am overwheled with bills and I have several bill collectors calling me all the time. I pay a high amount in child support each month and I have gotten so far behind I can't even think about ... |
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 Is there a difference between credit cards and debit cards? |
| I want to purchase something online and all i have is a debit card. So i was just wondering if there is a difference. If i were to fill in the particulars of my debit card when they ask for the ... |
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 How can I get a credit card with rewards when I have bad credit? |
| Hi. My wife and I both have terrible credit, and are looking for a credit card with rewards such as cash back or sky miles. We use our visa cards that are tied into our checking accounts so much ... |
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 How the crap can a young person with no credit build credit if they are always denied credit? |
| I am 22 years old with no credit history. I want to try and start building credit, but everyone denies me. Where do I begin?... |
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 I owe more than 50,000. Help, i'm in the deepest hole ever.? |
| I owe more than 50,000. and my husband doesn't know about it. How can I lower my debt? He's planning on "us" borrowing money, but who will lend us the money since I owe tooooo ... |
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 After registering a capital one credit card how long until it can be used? |
| i have a credit card and i have activated it, but ive tried using it and its being declined. how long will i have to wait until it works?... |
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 Do you have to be 18 to use a credit card? |
Im not 18 yet but my parents gave me a credit with my name on it but it is under her account. Will i be able to use it since when i show my driver license it shows that im not 18
Additional D... |
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 In your opinion, what are the characteristics of a good credit card? |
be realistic...
what makes for a satisfying credit card? what is the most important thing to you: access to cash, good customer service, low rates, rewards programs, billing options?
... |
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 Do banks refund money if your card has been cloned? |
Additional Details
Can I just add for all those people who 'don't understand' how a card can be cloned. I went to use it today and it was refused, phoned the bank and ... |
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 I was arrested in Nigeria and I've got a bank account worth millions...? |
| Can you give me your bank routing number so I can sneak the money out? I'll give you a million for your troubles.... |
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botanichouse | I have no credit rating as have never had credit and keep getting refused for loans.? |
how do i get a credit rating in ireland |
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chrisbowe82
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catch 22 this. I started by getting a contract phone, then credit card, then built from there. Credit is crap. the same company that give me a car loan wouldnt loan £400 for wheels for it? |
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URADA
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Open up a CD at a bank and borrow against it. Everybody qualifies for it because it is 100% secured. You can make monthly installment payments and it gets reported to the credit bureaus. Every bank has different parameters, but you can usually borrow 90% of the CD's value with a term the same as the length of the CD. Or open up a secured credit card or find a qualified co-signer.
SW |
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Dennis G
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ok this is what I did for my children I added them to my account and it built credit off of mine. Odd isn't it.. once credit was established they got there own accounts. |
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STEVEN F
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Use the money your not spending on payments to buy what you want. If you can't save the money, you won't be able to make the payments. Staying debt free is better that building a credit score. |
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beauty s
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try to get a retail credit card, then pay it off each month and that should build up your credit. |
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Clix
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I have placed this in the source box. There is a wealth of information there and a great free debt management software program. I bookmarked the site as I return to it often for the advice it offers. I hope this helps you. |
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sun s
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"At some point of time people dol have bad credit record. If you are worried about your poor credit history then you will not get any credit. There are many lenders who provide loans to people whose credit record is bad, but at a higher interest rate. You can get bad credit loans from some lenders quickly and easily.
Before you apply for a bad credit loan, there are some points you should first take into account. The only eligibility for the bad credit loan is poor credit history. To increase your credit score, ensure that the details of your loans are sent to major credit bureaus. " |
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psych_78
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Get yourself a credit card - use it a few times (but remember to pay the bill all at once when it does arrive to avoid the interest fees). That will give you a credit rating! |
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angie
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buy some thing from a catalogue, or some thing from a shop on hp terms nothing to dear but some thing that will take a few mnths to pay and then once you have paid it off you will a have a credit rating |
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sandie
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are you on the electoral roll? i had same problem and found out this was why. sometimes the only way to build your credit history is to get credit if you can! insane xx |
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Oddly Osbourne
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If you have at some time defaulted on paying for something, utillity bills etc, you may have a bad credit rating so will be refused, I think you can find out online what your credit rating is but don't know the address sorry! |
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ButterflyEnt.
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One of the best ways to get credit when you have none, is to go to a department store near you and see if you can get one of their cards; if you can, make a small purchase; pay it off using minimum payment for several months and then pay it off. this will show to lenders that you have a line of credit and that you pay your bills on time. Caution: don't purchase more than you really can afford to pay back and make it dificult for you to come up with the payment and fall behind even one month. Another way is to go to your bank and ask for a b=very small loan of say $200.00 if they give it to you, do the same as you did with the department store. Even a small credit line proves that someone else was willing to extend you credit. |
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Cliff E
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get "dealer credit" - like from a car dealer or store card. They never refuse! |
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marie m
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You need to join a credit union; it's the cheapest way to get a loan - you build up your credit rating with them and can carry it to other institutions. Do you have a bank account? If not, then open one. to open either a credit union account or a bank account, you need to have photo ID, like a passport or driving licence; you also need two proofs of address on utility bills, like an ESB bill or a gas bill or telephone; the bank will tell you what they want. Having a bank account into which you put money regularly, like your wages or social welfare, will get your credit rating off the ground. Make sure it's always in the black. You need to save with a credit union for sixteen weeks on a regular basis before you can apply for a loan, then you can borrow three times what you have saved, and agree regular repayments that suit you. the advantage to borrowing from a credit union is that your interest reduces as you pay back the loan.
you should have no problem borrowing from a bank either once your account is up and running; but it depends on how much you want to borrow.
A credit rating is a precious thing, and once you have it, you should protect it like mad, that is, don't default on any repayments no matter how small. If you need more info, your local community centre should have information on the MABS. The money and budgeting service - it's free to everyone, you just have to make an appointment to see them, and they might be able to give you more advice. |
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the critical umbilical
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Get yourself on the electoral rol. Works everytime. Stability is what they want. Otherwise, a small private bank loan over 6 months payments. As long as you meet those payments by direct debit, you're sorted. |
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