 How Can I REALLY Improve my credit ASAP ? |
| I can't even get approved for a department store card ! My student loan is in default, also I screwed up my last bank acct by overdrawing checks, so I'm on check systems... I want to buy a ... |
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 If you very bad credit is it possible to get a personal loan? |
Bad credit personal loans if its possible how and were?
all over the internet they say you can get a personal loan no matter what your credit is, if so then who can testfi and what company ... |
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 If I co-singed for a car for a friend and we no longer speak, is there any way to get my name off the loan? |
| Mine name is also on the title of the car. There is no way my friend can get the loan amount on their own or pay it off, and I won't pay it off either. Am I stuck with a chance of bad credit ... |
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 I need advice on a loan? |
| I have a loan out that i got maybe like 3- 4 months ago, to supposably pay off my credit cards, which i did then max'd them out again, I recently bought a 30,000 dollar car w/ a co signer, and I ... |
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 Hi. im 34 years old and in 180.000 dollares debt.my monthly payment is 3G p/m.is bankrupcy a good idea? |
| do i keep paying the monthly payment until i pay it off in about 16 years (3000 per month),or do i declair bankrupcy and get it over with?... |
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 What are my rights when a creditor calls to collect a ghost debt from an account I had over 13 years ago? |
They said they purchased the account and I had to resolve it because they purchased it from the original creditor.
It's been longer than seven years and it should not be on my credit ... |
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 Is this a scam? |
| so i got hired by this company and the deal is that they send me money in my name through a cashiers check, and i keep 10% of it and send them the rest... does this sound like a scam?... |
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 I was being stupid and signed up for the publishers clearing house sweepstakes and somehow i bought magazines. |
| but the thing is that i did not buy them intentionaly, i just got an email saying that thank you for your order and you will get these within 10 days. but the thing is that they charged me 20 dollars.... |
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 They're going to sue me. What can I do? |
| Citibank is going to sue me for my credit card debt. I'm a 22-year-old full time student without much money, working basically minimum wage. This is like a nightmare I can't wake up from. I&... |
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 Would you marry someone with Bad Credit? |
some say yes, some say no.
Additional Details
Some people totally obsess with their FICO score. If you've made mistakes in your past but learned from them. Does it really matter ... |
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| What should I do about my situation with being a co signer? |
| I had a girl friend for two years. We were engaged. she lived with me for about 6 months. We broke up about 5 months ago. When we lived together, our budget was tight. so I refinanced her car loan so ... |
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 Cancel credit card or keep it open to improve credit score? |
| I am about to finish paying of my high interest credit card. I have had the account open for 10 years. I know the longer you have had it open, the better, but if I am not using it anymore,should I ... |
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Molly | I just got approved for a $500 credit limit, do I have good credit? |
I just applied for a Victoria's Secret card and was approved and given a $500 credit limit. I'm just wondering if this is a good limit or not? Does this mean I have good or bad credit or does VS give everyone a $500 credit limit? This is the first card I've applied for with the exception of the Visa I've had since I was about 16, I'm now 21. Thanks! |
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LittleMissKnowItAll
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I wouldn't trust Victoria's Secret to give you a good idea on how your credit is. They don't usually give large limits b/c you can only use it at their stores. You most likely don't have a lot of credit b/c of your age. But in time and with responsible spending it should increase. And having the Visa at a young age should help, assuming you paid your bills on time. |
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Angeleyes78
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Please do yourself a favor and go to a legitimate website (such as myfico.com) and spend that $15 to check your report and score! Nobody here on Yahoo answers can answer that for you! You need to check it once a year to make sure there are mistakes etc. Remember: KNOWLEDGE IS POWER! |
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Kalli
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Stores like that give you a credit line based on the amount in your bank account at the time of application. I have bad credit and i was approved! |
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rich2481
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look at the interest on the card, I bet it is 22 percent, and no it doesnt mean you have good credit,, it just means they will make alot of money off of you in interest,
for good credit, do not open alot of accounts,, that one to me is un necessary, get a couple Visa and never ever close them ( the longer you show you have a card the better your credit ) and pay cards off ASAP<, Credit goes by how much you make to how much you pay out,, |
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Dr. Deth
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sounds like beginners credit - if you've only ever had one other credit card, $500 limit is all you'll get for awhile,until you prove you can handle that and make prompt payments |
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outlawimmortal2
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Your credit should be fair because if it was bad you would have only gotten a 250 or $ 300 limit. |
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Syra
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That information isn't useful in finding out about your credit.
You need your credit score for people to judge your credit worthiness. In-store cards are normally small limits with lax requirements and high interest rates.
If you don't have any slow to pay, or skipped payments your credit will be fair to good given how long you've had credit.
I'll give you some related tips:
Look online for your credit report...I believe the site is freecreditreport.com. Get one report- there are three credit agencies and they report seperately, but they usually all have the same information. You can get one report from each agency for free each year, but if you get only one report now, you can get one several times a year. If you won't check several times a year, get them all so you can catch any problems.
If anything is something wrong, write a letter and tell the buerau what liars your creditors are. Think professional.
You might try to use your credit card, and pay it off each month so you don't have unused credit lines (that's bad) and you don't end up in debt.
And remember- use credit wisely! Pay off bad debt credit cards at the end of each month! This new card will be a bad debt card. (Items not increasing in value after purchase usually are bad debt)
Good luck! |
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likepepsi
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You might have decent credit now, but it's hard to think of a less useful credit card than one which is only accepted at VS. Do not apply for any more cards which are only good at one store. They are not going to give you much credit anyway, and they have little practical value. If you accumulate mutliple cards with $500 limits, that's what you're going to continue to get. That's not good.
And because your credit score is partially based on how much credit you are using (the higher the number, the worse your score), if you charge even just $250 it's going to temporarily hurt your score until it's paid down to less than $150.
A Wal-Mart or Target card might make sense perhaps, because they carry a wide range of merchandise... but a credit card that's only good for buying underwear? |
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Steveo
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I love to answer these type of questions. If you say that you have had a Visa card since you were 16, then it was your parents card, or you lied on the application.
So, for now, your credit is mostly built on your parents credit record.
Now, as far as this approval is concerned, it is only a start. The best thing to do, is to dump the card. Basically shred it and use cash. If you get reward points for using the card, see if you can use the card, and then immediately pull out your checkbook and write a check to pay off the credit card balance at the store. I know that this can be done at Macy's.
Whatever you do, don't get hooked. |
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that hot chick
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One couldn't determine your credit rating based on your credit limit given by a creditor. Different companies use different criteria in determining what your credit line should be. Take a look at your credit score anything below 620 is not good but one of the credit reporting agencies will tell you whats a good score . If you've had a visa since you were 16 and have never been late or over the limit I'd say you were off to a good start. |
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lilboo_us
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i wouldnt trust them to tell you, you have good credit.. just be thankful you got a card.. keep it good and you will have good credit |
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kat
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Why didn't you ask what your credit score was when they did the credit check. If you ask, they have to tell you. |
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