 I has a payday loan that I did not pay, what can they do to me? |
| Can it be theft by check or what? I have some law office calling giving me all this theft by check information. are they just bluffing or what? I cant pay it right now?.?.?.?.?.... |
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 I use a prepay electricity meter, and the credit has gone, I have no money until Friday what can I do?? |
Additional Details
I have 14p left and I have already asked everyone I can think of, to borrow money.... |
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 I'm looking for a good "1st" CREDIT CARD. Who should I go with? |
| Some factors to consider: Im a recent college graduate, I live in southern California, I've never had a credit card, I have no credit, and my main reason for getting a credit card is for use in ... |
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| Solo or Visa Electron? |
| Which debit card would you choose if u had to? or which one is popular? which one is used most?... |
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 If/when i pay off my debt how long will it take to come off my credit report.? |
currently i have 5 things on my credit report.
2 of them are student loans, im good on those.
the other 3 are in collection.
those are:
apartment $5,065
verizon $451
... |
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 Whats a good way to build my credit?? |
| right now i have fair credit, but i just want really good credit, are there any good ways to build my credit that wont take a long time and that isn't a big hassel. maybe some small things that ... |
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 I stopped paying my 13 credit cards on August 2006 when will negative info no longer be in my credit report? |
| My understanding is the negative information is only allowed to be reported on your credit report for 7 years. So since I completely stopped paying my credit cards last August "06" should ... |
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 I just found 5 credit pulls from a mortgage co, every 2 months. I have not, nor would use this lender. help? |
| My sister works as an underwriter there and our relationship has had its troubles. I would never give permission due to this. it is affecting an otherwise excellent rating. what is my recourse?... |
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 I owe a couple thousand dollars on a couple credit cards, I lost my job and cannot pay them..not now,anyways.. |
| ..what, if anything, can these credit card companies do to me in the event I don't pay them? I have heard that since they are unsecured,signature type loans, they cannot do anything except ruin ... |
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 Why do credit card companies sue people? |
and why are there so many people who try to justify it?
Additional Details
I am NOT a deadbeat. I am a full-time student and I was out of work for a long time.... |
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 I found a lost credit card. How do I contact the owner to return it? |
| Today I found a credit card on the bus floor as I was riding home. It's a brand new card, and I want to return it as soon as possible to the owner. However, the name on it is "M. S." ... |
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 Will cutting (cancelling) a card end unauthorized charges? |
| I'm wondering if, in the event of identity theft, a simple call to the card company to cancel will disable the thieves from further use of the card and the numbers that represent it. Is it that ... |
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 Direct Debits?? |
| Right, my bill says the money will be taken out of my account on or after 2nd July. What happenes if the money isn't in on the 2nd?? Say if the money goes into my account for 3rd, will they take ... |
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Shon | I just paid off credit problems in March, how long before it's okay to start applying for new credit? |
I just recently paid off all of my credit problems and was wondering how long should I wait to apply for credit to attempt to re-establish my credit. Also, how long does it take to start establishing "good" credit |
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dahublaz
|
You need to find a bank that will do a CD Secured loan or credit card in order to jumpstart your credit..it will take a year or two to get your credit going again. |
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HoneySuite
 |
If you've paid off all your debt there are certain kinds of credit you might be able to get fairly quickly if you are otherwise stable (i.e., in the same job and home for several years). These include specialty store cards (e.g., furniture, electronics, appliances, clothing) and secured loans (i.e., car loan), albeit at a much higher interest rate than usually advertised.
Don't apply for more than 1 card at a time. If you are turned down, wait 3 months and then try for a different card.
Sometimes, the quickest and easiest way to secure a store card is to go shopping. The salespeople will usually ask you if you want to apply for credit at checkout and put the request in electronically while you wait. The worst that can happen is you're turned down so go for it!
Again, don't run around to 15 stores this week trying to get credit - each attempt to secure credit is recorded and lowers your chances of getting credit on each subsequent attempt whether you're approved or denied.
Major credit cards (i.e., Visa, Master Card) are harder to get and you might have to start out with a secured card or a small balance card from a bank like Capital One.
Remember, you don't affect your credit rating by making purchases and paying them off in the same month. You must maintain debt and manage it effectively (i.e., pay at least the minimum due on time every month) in order to improve your credit rating. |
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tony
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Try 2 years |
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kimalee72
 |
get a copy of your report and make sure things are up todate. Then get a secured card and go from there. There more stuff you apply for, the more it hurts your chances of getting credit or you APR will be sky high! |
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Big Bama Fan
 |
If you have a bank where you have a checking account start there. Ask if you qualify for a small limit credit card. The interest will not be favorable. Don't worry about this for the first year. Remember you earned that interest rate by your past actions. If they will not grant you a credit card, request that they allow you to have a credit card with compensating deposits. That is, you put an amount of money, say $500, into a CD at that bank. You agree to leave the CD until your credit card is paid in full or until they relax their requirements toward you. The money in the CD remains your money as does any interest it earns. In the meantime, pay all of your bills on time or a little early. If you do this for twelve months you can get your credit score improved to the point that you could buy a home. (I own a real estate company). Good luck. Do the right thing and get your credit repaired and keep it that way. |
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robert w
 |
Adunn4,
I'm sorry I must be miss understanding the question. You are now debt free? You want to work at increasing your I Love Debt score? You want to buy stuff and pay a 20-25% more for a credit score? You want to be Average american in debt? Have you not read 'Millionaire Next Door'? You don't need credit score to buy even a house never mind a car. Visit www.daveramsey.com learn what the banks credit cards do not want you know! Learn it now or visit me later.
Go with L.U.C.K. |
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Zoooter
 |
if these "problems" exsist on your credit report, you can count on problems obtaining credit for 5 to 10 years, depending on the severity of the "problem" |
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Just Me
|
Every 6 Month's..try a pre-paid cards and build from there. Bank of America is good for low limits at firsdt then build your postives up from there |
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Funchy
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You can try to re-establish your credit now BUT you may not be approved. A secured VISA might be an option for right now. Or wait 6-12 months and then try to apply for very small credit card. In the meantime pay ALL your bills on time, no exceptions.
But before you get a new card, you need to address why you had the credit problems before. You don't want to end up in the same trap. It's too easy to get credit and it's so hard to pay off high balance loans. Do you really need another credit card right now? Maybe a class in personal finance or meeting with a good credit counselor might help. Draw up a budget and force yourself to put some $ away each month.
Credit helps you get some of the things you need, but ideally you should work towards a lifestyle where you're living within your means and little or no loans. |
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Paul M
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You can apply for new credit any time you want. That doenst meant that it will be good for your credit. We paid of our credit cards and 4 months later were back at it again. With cc payments I mean. You can start estabilshing good credit with every ontime payment you make. |
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jacksaw
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should wait for atleast 15 months, although it depends on various other factors |
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epizan
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A great way to reestablish your credit is to deposit an amount of money at a bank and then take out a loan for 80% of that amount and use the deposited money as collateral. Make every payment on time and pay it off. It will establish your credit. There is a way that you can have those bad marks removed from your credit but you should wait at least two years before doing it. |
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