 Trying to buy a house with bad credit? Where to start? |
| My wife and I are loking to buy a house very soon. I have pretty bad credit (550) and tired of paying rent. I have a three year old and one on the way. The apartment arent big enough for the four ... |
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 I desperately need a payday loan of £750, I earn £14560 a year.? |
| Does anyone know any UK online companies that would accept me, or accept anyone? Preferably with a lower interest rate.... |
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 Credit Score ???? |
| there are three CRA'S if I get my score will they all be the same,if not do I need to get all three and go with the highest one. I 'm thinking about a new car and house financing for next ... |
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 Baclaycard debt sold to debt Collection company? |
hi jonny
I was owing Barclaycard about £3900 12 years ago. since woolwich PLC was purchased by Barclays ny details have now been passed to barclays. barclays has now sold my debt to a company ... |
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 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 ... |
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 How do you endorse a pay check w/ no bank savings account? |
| The bank is closed and i need some money..but know one in my family has the money on them.... |
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 What the quickest way to repair my credit. I currently have a 530 credit score.? |
| Hello to all. I am looking to raise my score to the 775 as soon as humanly possible. I understand each case is different, but would value any general advice out there. Thanks for your time guys.... |
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 How can you get a loan for $4000 when you have limited credit experience and no collateral? Is this possible? |
Additional Details
I do not have bad credit just no credit!!! I do not have a cosigner available and I do not have a mortgage(remember NO credit).
My mom is financing a house for ... |
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 Best credit card to get with excellent credit? |
| I have 'excellent' credit ( 780-give or take a couple points depending on bureaus). I want to get another credit card because as of right now I only have one (when I was younger, I was ... |
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 Credit Card Question? |
A hotel charged my credit card when I requested to pay cash. They said they cancelled the charge cuz afterwards they accepted my cash..is this going to appear on the credit card record?
A... |
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 Has anybody taken surveys online and actually got paid? |
i am 16 years old. and i need a job badly
i was wondering if any ACTUALLY USED a site and took surveys and got paid.... |
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 Is it bad to pay your credit card before the bill is due? |
| I often pay my credit card mulitple times during the month instead of making one big payment when the bill is due. If there is a balance due for the statement, I always pay it on time. I was just ... |
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 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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lusciousbrown | I just got a CREDITCARD offer in the mail today with a 5,000 credit limit but i never ever had a credit card? |
and my dad has several and he always told me to never get one because it will be diaster but i really need to pay my bills and my job sucks. Im a nurse aide so should i keep the credit card????? |
 |
 
surlygurl
|
It is better to live without credit debt--basically I agree with your dad, because most people have a really hard time keeping it under control. But there may be times when you want to have a credit card. Look at the offer you are getting. If it offers an APR that is low (10% would be good) you might consider it. But if you decide to apply you should also commit to yourself that you won't use it instead of money.
You should also be aware that based on your credit history or lack thereof the card you are issued will probably not have a $5000 limit but maybe $2000 and they may even give you a different APR than the one offered in the ad. Check it all out carefully and if the APR is not the one they tried to lure you in with, make sure to request that they change it when you get the card. If you are not satisfied with the terms they end up offering you, cancel your account before you use it for anything. |
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jesuslover
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NO!!!!
Much Love!! |
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Chris Y
 |
Preaproved credit offers aren't as guaranteed as they say. Getting a credit card isn't always a bad idea but you have to be really careful, they aren't free money. If you get one don't get a 5,000 limit, you will kill yourself financially. Most people max out their cards. That's bad enough when it's $500 but the bigger the limit the more trouble you'll be in. If you are having financial trouble the last thing you need is a credit card. It will totally make it worse. Find ways to cut back your bills or do odd jobs on the side, or something. Don't borrow money. |
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thatguy
 |
Just because you got the application in the mail does not necessarily mean you will be approved for the card or that limit (you may get the card but the limit may be lower).
You need to establish credit, however getting a card because you need to pay bills will most likely get you in more trouble and further in debt.
You probably do not want to use a credit card to pay bills. Sooner or later you have to pay for these also. If they sit on your account, even if the account is current and you pay every month, but don't pay the account balance off, you will have to pay interest.
This will ultimately cost you more money. I would suggest getting more of your bills under control and then getting a card. |
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Carolyn S
 |
No. You definitely don't want to get into that situation. If you are having trouble paying your bills, a credit card will only solve your problem temporarily. What will happen is that you may get some paid for the month, but then next month those same bills will be back (water, electricity, etc.) along with your credit card bill. It's kind of like robbing Peter to pay Paul. You're taking funds that really aren't yours (because the credit card company is lending you the money at a high interest rate) and paying for the bills. If things are really difficult for you, contact your local neighborhood services. They should be able to help you. We live in Texas and have a community service called Texas Neighborhood Services. They help people in times of trouble, like if you are unable to pay your electric bill and it is to the point of being cut off....things like that. Go ahead and throw that credit card offer away. It really doesn't help in the long run. |
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fruit_snacks
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If you received one in the mail, then your old enough to have one. Go for it. Get caught up on your bills then have a little fun with it. |
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Earl D
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I've been paying off $1,500 debt since 2003 at 22% interest an I'm still $1,200 in debt!
Now go figure that out!
No cards! |
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lockesmith
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Cut it up. Cut it up NOW!
You will thank me in the morning. Honest. |
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pottersclay70
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No. That will just be another bill. |
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chi chi
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Don't do it!!!!! |
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swat team commander
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credit cards are evil...back away really slow....slower....there you go... |
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