 Why am i being declined credit when ive never had it? |
| I have just turned 18 and keen to build my credit rating..I privately rent a property and have a good household income... I was advised to get a store card or credit card and pay the balance off ... |
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 I'm being taken to court over a credit card that isn't mine, what do I do? |
| This company claims that I owe them 3K on a card I never signed up for. I asked for proof that it was mine, because I can't find any records of it with my other cards (all paid and canceled ... |
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 About credit card limit ? |
| So my credit card limit is 500 bucks. Bank of America. Let's say I use up 500 bucks in one week, and I pay off my balance right away. Does that mean I will get 500 bucks limit again as soon as I ... |
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 Received a letter from debt collection agency for old bill what should I do? |
| The bill itself is student overdraft which I took out in January 2003 the bank sold this to this collection agency (according to them) in 2006. I have so far made no contact, received the letter this ... |
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 With bad or poor credit, can I get a home loan if I put down alot of $$? |
| In other words, would a bank look past my credit if I put down more than half of the price in cash??... |
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 What happens if I'm approved for a credit card, abuse it, and never pay? |
| What are the legal consequences of this? the credit limit is $1,500.00.... |
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 Should I co-sign a loan for my boyfriend?? |
| My boyfriend is having some finacial problems and we are working on buying a place of our own in the near future, but he has some out standing bills. Which need to be paid off. So he is able to get a ... |
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 I have recently had a bankruptcy discharge. I want to buy a townhouse. Do I have a chance at all for a loan? |
| I have heard that there are loans for people out of bankruptcy, but I don't know of any company. Before this, I had perfect credit. I am desperate. I need some good advice. Thanks!... |
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 Which is better 3 or 2 credit cards? |
My available credit on my credit cards are
$4,000 $1,200 $1,500
The one card I am using is paid in full by the due date. Should I close one? I am thinking of closing the $4,000 ... |
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 Do you think i should file bankrupcy wheni was 15 my mother got alot of credit in my name about 20000 not mine |
People say report her but she is my mother and i think im just gonna file bankrupcy im looking for someone who has filed and what life was like after wards i hope that is enough info thanks
A... |
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 My credit score is 627...? |
| I have never missed a payment on any of my credit cards but i have some medical bills that went to collections. With this score would i be able to get a car or a house some day. How does this compare ... |
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| Would a child have bad credit when they grow up if someone used their information on bills? |
| My friends ex used his daughters social security number on a cable and telephone bill totaling up to about $1,500. Will she have bad credit when she grows up?... |
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 I am a student who needs a car loan. I have good credit.? |
| My car was stolen and crashed, and insurance is giving me about half what I need to buy a decent used car. I am a graduate student whose source of income is student loans. I have great credit yet I ... |
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 I have bad credit. Where can I get a loan ? |
Either a loan for $5000, or a consolidation loan for about $20,000. I have no assets, no security. Need a monthly payment I can afford.
I always gave in to my ex-wife's whims. Got ... |
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 I haven't used my credit card for almost a year.. yet the balance doesn't look much different!!!? |
| I was getting into more debt than I wanted so I consolidated my cards onto one with 0 APR and have been slowly paying at it for the past year. Yet the balance doesn't look any different!!! I ... |
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 Which do I pay first? |
| We have about 13,000 in cc debt I am getting a tax refund check tomorrow and am putting the whole thing towards my debt but I am not sure which way to do it. Here is a list of my debt and apr cc1- 468... |
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KAT | I have terrible credit. How do I rebuild without having to shell out a bunch of money or pay fees? |
Only serious and mature answers, please. I have a bunch of hospital bills, two credit cards( closed out-1,000 each), and a few sporadic bills.
Additional Details
My ex had used my info and cards. It's not like I messed it up on purpose on my own... I am trying to make things better for my family. I just did not know where to start. |
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SAM
|
You can raise your credit score and eliminate your bad credit history. I know one best webiste on offering some great tips and resources How to Evaluate and Raise Your Credit Score
Its a policy voilation of yahoo if i post any link here.
Just mail me at solidoffer11@yahoo.com with subjet- Raise Your Credit Score . I will send a link of best website where you can find best tips and resources you never heard.
Best wishes |
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murphdogg4
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I'll be watching this answer. Most non profit consolidation companies are scams but I know there is a government sponsored one that is legit.
and for this witch who responded about being tired of people who shirked their responsibilities.. what a piece of trash, you have no idea how people's credit got that way, all it takes is for a family member of yours to become very ill and you have to take vast amounts of time off of work for you to become in debt. That's all the world and yahoo needs is another self centered harlot running her mouth out of ignorance and hate. |
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ladymagictn
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Good luck, mine is terrible to. So far i haven't found any solutions. |
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nmbg@sbcglobal.net
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I'm afraid all of the previous answers are correct in part, you should contact your creditors and try to make more favorable payment arrangements, many will be receptive, it's in their interest to keep you paying. Even if it's less, better than nothing.
Also try to negotiate a lower interest rate on one credit card and consolidate your payments to it. But, don't use it as you pay it down. Your days pf cc usage are long gone for now.
Be patient!!! And for heavens sake, don't get discouraged, it may seem like you're not making progress; but the longest journey ever completed started with putting one foot in front of the other, and repeating the same till completion. Good Luck!!! |
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gear jammer
|
go to Orchard Bank.com and try for a credit card.
Bank of America is offering a credit card with a 99 dollar deposit and limit of 500 |
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harish
|
Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredit.html |
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Matt
|
I am sorry to hear about your situation.
Start by pulling your credit reports and disputing the information on them. Dispute the information as "not mine" only. You will be surprised at how many of the older negative entries will fall off.
Make your disputes by mail only and send all correspondence certified return receipt to create a paper trail.
You are allowed one free credit report each year from http://www.annualcreditreport.com.
The next step is to make settlement offers with the collections that were verified as yours.
Make an offer to pay for deletion only. If they are not willing to remove the negative entry from all three credit reports or say they will, but are not willing to put it in writing, leave the debts alone. They are on your credit report and the damage is done. Paying with out deletion does nothing but make your credit score worse. Remember that a collection is a collection, paid or not. Paying the debt with out deletion restarts the 7 year clock.
Important
Always make an offer that you can afford to pay. They will not accept payments and give you what you want, deletion of the negative entries.
If they are not willing to remove the negative entries or will not put the agreement in writing, forget about it. As time goes by, so will the negative impact of your bad entries.
Make all offers in writing, sending all correspondence certified return receipt mail only.
Do not talk to collection agencies on the phone and do not be intimidated by their language. They are in the business to make money and do not care about you or your situation.
Get a credit card. Charge things you would normally buy in a month and pay the bill in full every month. This will help you build your credit score. Check out the site below for information on what cards are good and what cards to avoid.
http://www.unsecuredcreditcardforbadcredit.net |
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krohnjack
|
This website might be able to help you.
http://howtoestablishgoodcredit.com
Aside from that, building a good credit score is a long term process. As they say a journey of a thousand miles starts with the first step. Beware of quick fixes. There are none except for the quick fix of getting into your wallet by way of a scam and there are some out there. Here are three sure fire ways to boost your credit score.
The biggest component of the FICO score is the percentage of available credit you are using. The traditional way of course is to pay down your accounts to improve the percentage. The higher the percentage the lower the score. There is another way.
1. ASK FOR CREDIT INCREASES. This achieves the same result-decreasing the percentage of credit used. Just be careful not to use the new found "wealth". That is like shooting yourself in the foot. Be careful not to ask for too much of an increase.
2. PAY OFF YOUR BILLS. Pay them off not when they are due but before they are due. Find the statement date (usually 20 or so days before the due date) and pay it off a day or so early. That brings your account balance to $0 thus increasing the percentage of available credit. If you pay the bill on the due date it will not have the same effect.
3. DON'T TOSS THOSE OLD CARDS. I found out about this one the hard way. If you are not using an old card for any reason do not throw it away. Take advantage of it and charge small amounts occasionally. This results in an active vs. and inactive status for that account. Active accounts are factored into the FICO scoring system-inactive accounts are not.
Using these three hot tips will boost your FICO score almost overnight. Take the knowledge and run with it and improve your score today.
If you are in the market for a mortgage, home equity loan, or refinance
http://www.m-o-r-t-g-a-g-e-r-a-t-e.com has some great information. Find
out how to get up to 4 FREE No Obligation Mortgage Rate Quotes.
LEARN HOW you can save some serious money and get FREE Home Equity Loan Information at http://www.h-o-m-e-e-q-u-i-t-y-l-o-a-n.com |
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Joe S
 |
I have listed a free consumer guide below that can help you rebuild your credit. It helped me. |
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Linz
 |
get only one credit card and put it in your closet and NEVER use it |
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dmck105
 |
you can with time rebuild your credit you must make payment arrangement with the hospital bill collectors unless there old i would not worry. also they will take half of what you owe them.payoff the small one in full if u can . there is no fast way to rebuild . |
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endgame1915
|
make a appointment with a local college that offers credit management classes,contact the BBB in your city and see if they offer credit counseling classes.finally once you get a plan stick to it and you will be OK. |
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justcuriouslyasking
|
Work on paying them off, having credit that is NOT used counts for points. Don't open more credit cards becuase having too many isn't good. Installment loans are best for credit (ie car loans, mortages). Pay off your hospital bills or find a health insurance that my cover you (so you don't have hospital bills- high encourage you to do that) and see if there are any "forgiveness" programs w/ the insurance company where they could help w/ paying the old bills down. After you pay most of everything off a good way to build credit (IF YOU HAVE SELF CONTROL) is to take out a personal loan, set the money you got loaned in another account and pay back your debt w/ the money you were loaned. BUT YOU CANNOT USE THE MONEY FOR ANY OTHER REASON. Another good way to build credit is to buy a car, if you don't have one. Even if it's cheap ($3,000) it's a start. Your credit sounds low if your cards are closed out at $1000. It takes time. Good luck! See about a free financial advisor, some banks have them. Never pay someone though, it may be just a scam. Also go pick up some financial aid self help books from a book store or google articles about building credit and budgeting. |
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$m¤¤v¥ £¤¢¤
 |
I provided link to an article that may help |
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another.amanda
 |
There should be free credit counseling services in your town - check the yellow pages.
We're working on rebuilding, too. The best thing we have done so far was learning to live without credit. We don't buy anything with the cards - if we can't afford it, we do without, even if it means eating rice and beans until the next paycheck comes. Yes, we actually did that. Now that we have better jobs, we have set up a debt repayment plan through Microsoft Money (if you have Windows, you may already have this) and are sticking to it religiously.
Good luck! |
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Carolyn D
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Get a credit card. Use it. Pay the majority of it each month but carry a little bit for a few months and pay off the rest. Start again. Credit companies lose money on people who pay credit cards off each month so they aren't as eager to increase your rating. They also lose money on people who don't use cards at all. If you show them that you will use their card, pay a little interest, and yet be responsible, they will slowly increase your credit rating. Always pay your bills on time, if not a little bit early. All your bills affect your credit rating (phone, electric etc...) If you make a big purchase (car etc...) pay it consistently on time. (You might need a co-signer) |
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Pravda
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I have a low cost way for you to learn how to repair your credit. visit my web site at http://www.thecreditrepairmanual.com |
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Penguin
 |
Just call those you owe and make arrangements to make payments until all is paid off.
Just do it and get it over with! |
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Flower Girl
 |
You know I get really tired of people who have shirkled the responsibilities, never paid their bills and then all of the sudden want their perfect credit back! There is no way! Pay your bills and don't screw it up next time! |
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