 I have NO credit history, where can I get a credit card from? |
| I'm in my early twenties. I'm not a student. I also need one that reports my limit to credit bureaus so I can build credit. My bank declined my credit card application because I have no ... |
|
 Is it Possible for two people to have the same Social Security #? |
| I just found out that someone has a credit card in their name but using my social security number. I have never seen it on my credit report, and when I spoke to the credit card company they said this ... |
|
 Where can I get a high risk personal unsecured loan without a cosigner? |
| I have really bad credit however I am trying to play catch up with my bills. Because of medical reasons I was off from both of my jobs. I work two jobs and I can pay over $300 a month on a $12000 ... |
|
 Please HELP, Im going to cry. This seller/website has my credit card info, and they ripped me off? |
I found a site a body jewelry site on google last week, and placed an order.
I contacted the owner of the site last week and asked a general question about my order and received no reply.<... |
|
 How did $10,000 debt disappear? |
I racked up $10,000 in debt at college while psychiatrically disabled. I used to get a letter asking for payment every month.
Now I don't get anything from them. Its been over a year now ... |
|
 Can they hold you legally responsible for the debt if you are an authorized user on a credit card? |
Additional Details
the credit card is not mine, i was just added as an authorized user. isn't the holder of the account responsible.... |
|
 My parents paid off my credit card for me and now I'm recieving all these offers for credit cards in the mail |
| can someone explain how I can keep these from coming? Because I don't need any more credit cards and this is just a waste of paper for them and I'm a little uncomfortable about my personal ... |
|
 I need help my brother need wants to join but he hasnt got a credit card yet he 18 but he does now want one? |
I need help my brother need wants to join but he hasnt got a credit card yet he 18 but he does now want one so what sould he do reply thanks
Additional Details
sorry i spelt loades of ... |
|
 What is the difference between a bank and a credit union? |
| which one is more likely to aproove me for a personal loan?... |
|
 Is this a good offer for a credit card? |
| Its a Mastercard from Capital One, the credit line is $300, 0% APR on purchases until May 2008 - 9.9% after that and a $59 annual fee. I have 1 other credit card, Visa from WaMu with a $500 credit ... |
|
 Why should I care about the credit crunch? |
| If I didn't watch the news, I wouldn't even know about the 'credit crunch' or 'recession' - we even bought our first home this year! The only thing I've noticed ... |
|
 I am unable to pay the personal loans that i have taken from banks? |
| what to do it is impossible for me to pay the bank loans which i have taken from diffrent banks .I have no property right now,but i want to pay the loans but i will be not able to pay the intrests is ... |
|
 How in the world do you actually get a FREE credit report with out a credit card? I never had one.? |
So why cant i get approved for any thing? Not even a credit card they said that my credit is to bad. I havent even done anything to my credit to be bad.
Additional Details
Thank you all. ... |
|
 What are some of the best credit cards for someone to start a credit history? |
| This person is a student and will graduate soon and wants a card so he can establish credit. Any ideas on a good one for someone who has never had credit?... |
|
 My sister opened a credit card in her name and my mom's, ran up a lot of debt. Is my mom legally responsible? |
| One of my sister's opened a credit card account in her name and my mom's and ran-up a lot of debt, all without telling my mom. The account is now delinquent and in collections and the ... |
|
 I received a letter stating that my account had been placed with a National Collection Agency? |
| This is a medical bill apparently. The first sencence says Your account has been placed witha NATIONAL COLLECTION AGENCY. Our client has not yet received full payment from lab work your physician ... |
|
 Credit cards /No credit history? |
I would like to establish some credit history since i have none.
Is there a credit card that will except me with no prior credit history?
Additional Details
i see a limited credit ... |
|
|  |
pleasure6910462 | I have paid off all of my debts.? |
Now I have a car loan, can I use that to re-establish my credit and raise my credit score? Does anyone know how long it will take? |
 |
 
Faye H
|
First, I'd get a copy of your credit report and see what's on there. Make sure there is nothing else outstanding. Check all the negative reports and make sure they are correct.
If you don't owe anything, you should be able to get a car loan.
The link below is to get your free copy of your credit report. You are entitled to one copy annually. You might also want to pay the fee to get your credit score. Once you know what your report says and clean up any negative items that you can, you'll be in a better position to negotiate interest rates with a lender on an auto loan.
Good luck. |
|
FaZizzle
|
Just keep paying that car loan on time.
It's a great way to build up credit, but it will take time. Just keep paying it on time. That's the best advice I can give you.
And congrats!!! |
|
devilgal031948
|
To re-establish credit it takes time like everything else. It doesn't happen overnight. Creditors want to see your are paying your debts in good faith and it takes more than just a few months to do that. It depends on what your credit in the past has been. If yours has been bad, it may take a year or more, but make sure each and every payment is on or before the due date, not only for your car but for everything you pay, including rent, lights, phone, anything, that way you can show you have been a responsible person who has been clearing up your debt and trying to get your credit back in order.
Good Luck. |
|
harleychickfatboy
|
the best thing to do is keep your payments on time.
You could also get a credit card buy something cheap pay it off in a month or two and cut it up
It will help. |
|
nemofish
 |
congrats........good for you......pay your car loan on time...I'd check the credit score now and then at the end of the car loan....i'd say it'll take about 1 year from now to get your score up......get a credit card too......that will help also....
good luck ! |
|
momathomewith2boys
 |
Congrats for you! We just did the same thing. As stated before, just pay that car loan on time EVERY month and your score will raise. I don't advise getting a high-interest credit like suggested by someone else. Stick with Debit cards so you can't overspend! If you must get a card, try getting American Express that you have to pay off every month (not Amex blue that allows you to just pay a minimum amount.) Keep up the great work. It feels great not to owe anyone money!!! |
|
fabrisgirl
|
Ya it will make your credit build quickly :D! Just make sure to get your payments in on time.
How long will it take? Well I don't know what your previous score was like before you paid off all your debt. But it can't hurt at all! |
|
Mona
|
Just wanted to congratulate you! I have doing the same thing right now, for the past year paying off my cards, not charging anymore my motto is now 'if i cant pay cash for it, then i wont buy it'... I still have 5 more months to go and then by the end of the year all my cards and even my car will be paid off!.... Info gets reported to credit agencies every month and as long as you pay everyhting on time and keep some cards open you will be OK!... Buy a house now |
|
beauty s
 |
yes!! but make sue u pay the bill on time... |
|
Ernie
|
You credit report contains information that goes back for two years (longer for bankruptcy, criminal offences, etc.)
The loan is already improving your credit score. Each time you buy something using a credit card and make regular payments you are improving you credit score. It will take a while for it to come up and it will take two years to get rid of all the traces of your past problems. |
|
bob
|
Yes, it will raise your credit. It should take as little as 6 months...congrats |
|
almariano1
 |
I'm not sure how to address the question in terms of time. Understandably, the initial investment made towards purchasing a car does lower your credit score slightly due to the inherent increase of liabilities on your credit. However, if you do pay your bills on time, you should be able to raise your credit score. You may probably want to also take a small credit card with no annual fee and continuously pay expenditures on time and in full prior to the payment dates. This should help in showing that you are in definite control of your expenditures.
What helps my credit in particular is paying all of my bills under one single credit card and paying it off immediately. Particularly, an American Express charge card which forces you to pay your balance in full and with no real interest would be a great help in this aspect. You are going to have to pay all of your bills anyways, why not run it through the card first and pay it before any interest or late fees occur? That's my two cents. Hope this helps. |
|
hrland
|
Listen, you don't have to have debt to have a good credit score. You don't need to buy anything or get more credit cards, that's just ridiculous. Keep paying your car loan. Everything on your credit report that you just paid off is still there. The longer you have less extended credit but are in good standing with the credit you do have, the better off you are. Don't go "do" anything to effect your credit score right now. Just keep doing well. |
|
Drew W
 |
You should probably try to get one of those really lousy high interest credit cards from a company like capital one, or household bank in order to establish your credit, a year or so after paying good on that credit card try and get a real one from citibank or MNBA, you could also try getting someone to cosign on a home or an auto loan for you. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
14 | 28 minutes(s) ago
| | | |
12 | 2 hour(s) ago
| | | |
14 | 5 hour(s) ago
| | | |
14 | 9 hour(s) ago
| | | |
10 | 11 hour(s) ago
| | | |
14 | 1 day(s) ago
| | | |
13 | 3 day(s) ago
| | | |
14 | 6 day(s) ago
| | | |
14 | 2 week(s) ago
| | | |
14 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
