 How do you rent or buy a house or a car with no credit? |
hi,
I'm 22, and I would really like to know if it is possible to rent or buy a house or a car without any credit? I have no credit whatsoever, I only have a debit card, which works ... |
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 Wages on time.? |
| can an employer change from month to month what day he/she pays you.... |
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 The interest rate on one of my credit cards was recently raised from 9% to 23%. What are my options? |
| Like a lot of us, I am trying to dig myself out from too much credit card debt. I have a monthly budget and have been paying down balances as I can. Recently, one of my cards increased my interest ... |
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 If i don't use my credit card, will they close the account.? |
| i have a cc that i haven't used since i've received. i do plan to use it at some point, but i'm young, the cc line isn't alot, so when i use it, i want to be smart about it. I ... |
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 What is the full form of EMI? |
| % EMI for purchase of some goods.... |
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 I am 26 years old and married, my husband and I have not very good credit, what to do? |
| Not good credit, no saftey net, two young kids, want to buy a house. What steps do I take, where do I ... |
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 What happens if you don't pay your creidt card debt? |
| I am sitting her sick and tired of paying this ******* and getting charged 30 percent intrest I have 20k that i owe to credit cards AND my payments are like 650 bucks a month and that fu"kin ... |
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 Can i get a credit card when i have no credit? |
| do you know any websites where i can apply for one?... |
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 Does anyone know where I can get a loan with bad credit?? |
| There are tons of websites, but I'm not sure which ones to trust? I need it for a studen loan actually, HELP!... |
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 How do I establish good credit with my credit card? |
| I just got my first credit card, and was wondering what the best way was of paying off my first bill? I've heard to pay double the minimum payment for 5 months, then after that start paying off ... |
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 What is the best way to clean ones credit? |
| My mom leagally cleaned her credit for 300 bucks and was then able to make large purchases such as a house and car with no down payment. all I want to do is finance a washer and dryer. my credit card ... |
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 Were can you get pre paid credit cards? |
And if you get one can you use it on the internet, and just like a reagular credit card?
Additional Details
Do they do a credit check on when you get a prepaid credit card?... |
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 Why was i refused personal loan from banks with best APR ? |
i am permanent resident for 2 years in uk, continuously fully employed (current employment 7 months)
I have at least £1k income after taxes and all costs of living left each month, i ... |
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 Isnt this the best country in the world!!! Only in AMERICA!!? |
| I just have to post this craziness. I just bought a new CAR!!! Yeah! My husband got laid off and we just filed bankruptcy. Only in America the land of unlimited opportunity and credit.... |
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 What is the best credit card company to go with to fix bad credit? |
| im trying to boost my credit score up to an 800 or as high as i can get it, and i know credit cards are the way...but whats a good company to go with, or who has the best offers for bad credit.... |
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| How can teens protect their credit before they have a credit card.? |
| im a teen, i dont have a credit card, and i dont plan on getting one, except to establish credit so i can buy a car and such....i have a checking account that i keep up with....but what are some ways ... |
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 How can i get a loan with bad credit? |
| I need 4000 by december. The problem is i owe my school and outstanding balance of 4600! My student loans have been deferred until January..so this loan would only be for a month max ...as my student ... |
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sammy81jodi | I have three credit cards. 2,000 balance 1800 and 1700. All with at least 30% rates. What do I do? |
Many late payments and actually still getting late fees because I am over the limit but have been on a plan with all of them for a couple of months. would like to pay them all off with a lower interest loan. |
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survival_paul
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Get a new credit card with a 6month 0% rate for balance transfers. transfer all 3 credit card balances to this new card. Then cancel the 3 of them. Cut the new credit card up (you cant handle them... you know this) Pay as much as you can off the credit card in 6 months. After 6 months go to another credit card company and transfer the balance again. If you can't cut up the credit card and are still using it, your kidding yourself and someday soon you'll owe two years wages.
Good luck.
A loan from a bank is another option but only if you will cancel the credit cards forever as otherwise your just doubling your debt. |
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Amanda H
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IF you are on a plan with all of them-- are they cutting fees and APR? If they arne't, call them and negotiate. If you set up payments in advance they should be helping you by reversing late charges or overlimit fees-- or ATLEAST cutting your interest rate.
If you are making progress- even slow progress- keep working at it. It sucks, but you'll be proud when you get those cards below their limit. Then if you can still afford it, continue to do the larger payments-- but shift most of the excess over to the lowest balance card and focus on that. Get it paid off, and then roll ALL that monthly money over to the next lowest. This is called the "snowball method".... eventually the payments on yoru remaining debt gets bigger and bigger and you pay things off faster.
DO NOT close the cards when you are done-- assuming you can handle not charging again. Your priority is to be debt free first and foremost-- and then second, to have agood credit. Good credit is made by keeping good standing accounts open long-term-- not by closing and opening things. You might be able to request that they lower your limits after they are paid off, so that you limit your future spending habits.
A big part of your score is overall utilization-- so dont lower those limits (again, assuming that you can handle not using the cards) until you've got everything paid off, or your overall ratio will be raised. |
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Heath M
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See if you can have the remaining to cards added to one and see if you can get a cheeper intrest rate by doing that . Most credit card companys will do this for you and give you a cheeper intrest rate. |
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*Jelly Baby*
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contact your bank and get a consolidation loan, try to avoid the ones advertised on TV. The best thing to do is to get all your debt into one place and work on it from there. |
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PC
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Contact the credit card company. Explain your situation. Suggest that you close the account and arrange to have a lower interest rate during repayment. They will do this. Also, for future reference, if you have a good payment history you can also call your credit card company and tell them that you want your interest rate lowered. 90% of the time they will do it without question. They only charge high interest rates because people willingly pay them. So tell them you won't.
You could also try to get a credit card through a credit union with a rate of around 10% and transfer the balance.
Good luck. |
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flguy48tc
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survival_paul is right !!!!!!!.....do what he says |
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mildly_adiktiv
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I totally completely agree with survivals suggestions. Do your homework when researching the CC companies...and compare each and every one of them.
Once you clear your debt, and you still think that you MUST have a card, reduce the amount avail. to the amount of your weekly income...this way you will still have emergency money available but at a limited amount that you can easily afford to pay back. |
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uthockey32
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Call a credit fixing company. Try American Consumer Credit Counseling. These kind of people can help you get lower rates and set you up with a plan that you can live with. Credit is so easy to come by and the only ones making money are the credit card companies and they want to keep you in dept. You should only use a credit card as a last resort or for a big purchase that you have a plan to pay it off. If you keep going the way you are you will not be able to get out from under the mountain. |
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stopccdebt
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You might want to try credit counseling once your hardship plans with your creditors expire. They can do some of the same things, except it would be permanent until you eliminate the balances in full.
Try meeting with a credit counselor in your local area. You will want to make sure they have a satisfactory rating with the Better Business Bureau. Here is a directory of local agencies by state: |
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steve
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Continue on making payments and stop using the cards. Do it for a while to establish a good history and then ask them to lower the rate. If they don't then consolidata all of your balance into a new card that you will be applying for. |
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bettyboop
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you are aloud to pay on the interest and the principle. just write on the checks in the memo section principle only, and the same goes for interest only. you need to send to checks each specifying this. the amount of your regular payment should at lease be triple and the in terest payment could be one regular payment. if your credit cards offer checks to pay off bills and other credit cards use them, you wont be paying all that interest. |
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