 I am 19, and honestly am in credit card debt, my questions are below.? |
| Ok, I stupidly applied for two credit cards, which I should not have done. One is a Trump Visa, and the other is just a regular Visa both through Chase Card Services. Both of the cards are either ... |
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 Why is my check on hold? |
| i am currently banking with wells fargo and i deposited a check from allstate insurance company for $6500.00 and they put a hold on it and gave me $100.00 of it... now i know that the check has ... |
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 How long does it take to get negative items off your credit history? |
Do they just disappear after a certain number of years? I've heard that and never knew. I actually don't have any on my credit, thank God, but I'm just curious.
Thanks. =)... |
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 I have run into financial trouble this year, and collection agencies are threatening me.? |
| Do collection agencies normally file judgements and if so, are they mostly on larger balances, or do they just normally carry them as collection items? I have one or two credit cards that the ... |
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 How long after I pay off my debts will it take to improve my credit score? |
| I have about 12000 in debt that I will be paying off once I sell my house. I am probably about 5 months behind on payments. How long after they get their money will it take for my credit score to ... |
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 I overdrew on my checking account any suggestens? |
| I had overdraft protection but my bank took it away from me because of deluncancy, i thought I had it re-instated but tehy inturpreted me calling them for a new card as if I just wanted a debt card. I... |
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 I pick up a credit card? |
| I pick up a a Lowers credit card yestday (July,19 2006) and I do not who belongs to. sould i keep or give it back?... |
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 Are there any free paid survey sites for 13 yrs. old and up?? |
| are there any free paid survey sites for 13 yrs. old and up that don't use points but cash instead??and that are not scam??..and for free??... |
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 Should I file Bankruptcy or Not? |
| I have a total of $10,000-$13,000 unpaid, charged off, bad debt in total. This amount is for Bally's fitness, Phone bills, small credit cards, small medical bills, unpaid rent, department store ... |
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 Will it affect my credit score despite of paying over credit bill the next day? |
| I have seen my credit card bill today which went 3 pounds over my credit limit and i have paid some money instantly within 2 hrs of statement period , so will it be affecting my credit score?... |
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 How do i get my credit card company to cancel my debt? |
| i owe $16000 on my 4 credit cards all with chase and cant even make my minimum payment on any card. i lost my job and my wife is 2 months pregnant and i need help. i called a credit ... |
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 Is it possible to deposit a check that isnt yours? |
| I recently sent out a check to my credit card's bank. Its been about a week and I have yet to see an update on my online statement saying that they received it. For peace of mind, is it possible ... |
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 Cosmetic Surgery-NEED HELP PLEASE!!!!!? |
| So I tried to get financing through Capital One and was told no. Is there any other way to get the procedure done? If I was denied for this one, does that mean I can't get it done? Are there any ... |
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 When you marry someone with a poor credit history, can you avoid having your own credit ruined? |
| Our son is preparing to marry a girl who owes about $3500 for medical care. It's been on the books for more than a year, she hasn't been able to pay anything on it, and she has elected not ... |
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 $16k in debt--Solutions? |
| Hi! My husband and I have about $10k in debt split up through 5 credit cards, and personal loan for about $6k. However, we do own a home with a mortgage of only $100k, and are making payments on a ... |
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 Ryan is with another girl so what do i do so i can stop them cause i really love them? |
| see i was with him for a very long time and he just broke up with me and got with another girl o what do i do.... |
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Mookie | I have really terrible credit. But all the accounts have been untouched for 5 years.? |
Is there a decent credit card out there with no annual fee that would help me establish my credit? I've been turned down by dept stores! I need help. Thanks
Additional Details
Thanks for the REALLY great replies. I just got a credit report and all my old accounts have been charged off. I have moved alot so no collectors harass me anymore. |
 |
 
KAZ
 |
Generally it takes 7 years for it to clear off your credit report.
The best way to start repairing your credit is to get a secured credit card through your bank. That's where you give them the money to hold, they give you a credit card in that amount, but then you treat it like a regular credit card - paying each month. You can also get a secured loan for something.
And just to warn you, if you paid even $1 on any of those accounts they stay on for 7 more years (after the last time you paid on them). I made the mistake and started paying on mine after 6 years, had I waited 1 more year they would have disappeared, but I tried to do the right thing and 13 years later they are still showing up. |
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schweindoggy
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It actually helps to use credit. If you do absolutely nothing, you will be in limbo.
Folks who extend credit prefer people who use credit wisely and pay on time (not early). If everybody paid early, Visa would go out of business.
Just use one account shrewdly. You'll get right after awhile. |
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Lola
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You would have to try something like Capital One if you are in the UK but I wouldnt. Another way to increase your credit rating is to have savings |
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mand
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They should be dropping off your credit report over the next two years or so.
You can obtain your credit report at annualcreditreport.com, you are entitled to view your report free once per year.
I suggest going to your bank or credit union and asking about a secured credit card.
If thats not a good option for you, then find out about pre-paid credit cards from a bank or from a reputable credit card company, they might have some info on line. If I can find a link I'll come back & post it for you.
good luck! |
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emore_christian_school
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Save your money and pay cash! |
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curiosity
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I have a question. The credit cards you used to have have you closed the accts or are they still open but dormant. Just because you paid off a credit card or had your privelidge of using it away does not mean it is closed and when they pull up your credit report they see the credit cards listed and they don't want to give you another one. |
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madam_butterfly_206
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What you can do to duck the system and clear your credit in enough time to get a card is to sign up w/ like Equifax (they are the most used) and then dispute all of the claims...they have 30 days to prove of remove these claims...once that is done your credit looks better...your score could still be low but this will help... |
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ricky3051
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Have you tried applying for a small Capital One card? There is a banner on the front page Yahoo. Now, your credit is bad BECAUSE you haven't touched your accounts in 5 years, other reasons could be late payments on car loans or mortgage loans, as well as collections (usually medical). The question is, are your accounts still open? If they are, start using them and let them revolve, in other words, make a purchase, then pay it off, even small amounts, like for gas, this will bring your credit up pretty quickly. |
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afsharnaseri
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As much as the seven year rule is true, your credit can improve drastically within six to ten months after you pay off any outstanding debts and make regular payments on current debts. I would get a card through your bank or through one of countless mailings that we all get. Only spend what you can repay by the end of the month. After you do this for a while, you will have good credit. I was a mortgage broker for a while and I've helped other people repair their credit. You can get a card, you just have to look around.
Just don't spend more than you have. |
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Barbara
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Try to submit a request at LendingTree.com. They have over 300 lenders that could possibly assist you with your request. |
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