 Money has gone missing from my account.? |
| I went to head out last night and went to the ATM to get money out, knowing I had at least £60 in my account. It wouldnt let me take it out, said I had insufficent funds. So, I checked my balance ... |
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 Credit card debt that is 6 years old? |
| should i pay it off ( the $2,000) or not? is there a statue of limitations on credit reporting? if yes, how long is it and should i just wait it out or would i still be responsible for this old ... |
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 I have moved to the U.S. a month ago. I have no credit history. how can I make one.? |
| whatever I want to do and need load they are asking for a credit history which I don't have. what can I do. I live in burlington, VT.... |
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 What documents or proof do I need to show my son has worked? |
| Are there certain documents I have to get to show that my son worked at a certain place? What is it? He's 15 going to be 16 this year. He wants the evidence for a school credit or something.... |
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 Bad credit need Credit card !!!!!!!!!!!!? |
| I HAVE A SCORE OF 460 AND EVERYTIME I TRY TO APPLY FOR ONE I HAVE TO PUT MONEY DOWN OR SOME BS... |
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 I want to consolidate my credit cards? |
| I have about $12,000 in unsecured debt from credit cards. I plan to pay two off soon, but that still leaves about $10,000. I am paying the minimums and have a good credit score (730), but my ... |
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| HOW can i improve my Credit? |
| I have no credit cards. I have no loans outstanding. I do have a past chapter 13. Paying on al old accounts. So what else can I do to improve my credit..... |
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 I have 16 credit cards.. Is that bad? |
I have 16 credit cards, however, 2 of them are Business Cards (so they aren't even reported to my consume credit report, but instead to a Dunn and Bradstreet credit report?)
I have 14... |
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 When paying off a credit card, is it better to close out the account or keep it open? |
| I got a loan to pay off all my debt and am not planning on using any of the cards ever again. Which looks worse on my credit: keeping the cards open but not using them, or closing them out ... |
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 What happens to an existing car loan if I were to buy another car? |
| I bought a car in 2003 and owe about $8000 on it but am thinking of buying a new one. What will happen to my existing loan if I were to buy a new car? I would still owe that right? Would they just ... |
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 Craigslist Scam? |
| Hey everyone, i sold a phone on Craigslist and a buyer was interested so he sent me an email saying that he would send me a check for $2,500. What i am supposed to do is cash the check, take $200 ... |
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 Can someone give me some suggestions on how to get a collection agency off my back? |
I have a collection agency thats bugging me on paying off my Visa credit card and at the present time, I just don't have the funds or anyway of paying it off...
They keep calling me ... |
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 What is 28% of $200.00? |
| I have a credit card and Iam also trying to figure out how much I will owe If my APR is 28% and my balance is $200.00.... |
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 Credit cards? |
| if i had a credit card, would i be charged interest even if i didn't spend anything on it?... |
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 What is it with all the stuff about paypal? |
have i missed something??
Additional Details
it's doin my head in ... |
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KINGPIN THA RULER | I just turned 18 , how do i build my credit? |
what are some methods that will help me build my credit i dont have bad credit i have "NO" credit how do i build |
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Who Knows???
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Once you start working you should get offers in the mail.
What I did was I signed up for a department store credit card after I got my main card. |
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crjesq
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What everyone in my family did was to establish credit at a jewelry store, first. Buy a nice watch or something on credit, then from there move to a bank credit card. Of course, you can skip the jewelry store altogether and just get a secured credit card. That's where you open a cd at a bank or credit union for say, $500, and get a credit card from that bank for the same amount of money. The bank uses your cd as collateral for your debt, so they aren't worried about you being a poor credit risk. After you have had it for a while, you can get another credit card that isn't secured. Just make sure that you make all the payments on time and never go over the limit. |
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Jennifer B
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First of all, you need to get a small credit card. Department stores are you best bet since the standards aren't so high for getting approved. Then put a manageable balance on it and keep the balance on it for about nine months. Make your payments on time every month and after that just pay it off. Do this a few times and it will start to build you credit. Don't worry though, good credit won't show up on your report until after nine months. Also, here is a warning, don't max out your card! Don't even keep a balance over fifty percent of your limit. This is viewed negatively and will lower your credit score. So for example your get a credit card with a limit of $300.00, don't charge more that $150.00 on it. Well, good luck and try your best to always keep your payments on time and your balances low, because good credit will help you purchase something like a vehicle at the lowest rate possible and then maybe something like a house. Good Luck! |
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silkyworm
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I am hesitant to give you this suggestion because it can become a downward spiral if you are tempted to use the cards, but I read somewhere that if you have a bunch of open credit cards, but have a 0 balance every month, that really raises your credit score. Also, when you get a bank account with a debit card, always use the "credit" option and not "debit." That will also help your score without the risk of overspending like on a regular credit card. If you make any monthly payments, always pay the full amount every month. Don't allow any amount to roll over to the next month, i.e. overspending. Never ever be late on any payments. Do this until you graduate college, and you should have established a great credit score. |
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Helper
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You need to establish credit card accounts (Visa, mastercard, discover, amex). In order to build a positive credit score you need to pay your bills on time. You can apply for one online. |
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Stan S
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You can get a secured credit card. That's what I did. You send them some money, like $200 which they keep in an account for you, and they send you a credit card on which you can charge up to the deposit amount. They hold your deposit in case you don't make payments. If you are good at paying on time, eventually they will give you your deposit back and then you have a good credit rating, at least from that source. |
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ATXrealtor
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Thats great you want to get started. First get a small bal credit card and buy yourself something nice (lol) but then make your payments on it. Now if you have a $300 credit bal. and you charge $300 and then you have the money to pay it off at the end of the month dont!! I know it sounds good to pay it all off, but to build your credit you need make PAYMENTS, i.e pay $25 a month for 6 months, always on time and never below the min amount. If you can manage to get a couple cards that would be great. Just be smart, its not free money, you will always pay back more then you charge. At first you will prob get a credit card that charges a fee, like $58 of so.. thats ok, thats just the price you pay to get things rolling. Once you have made payments for about a year, then cancel the high interest credit cards with yearly fees; by this time you should be able to get lower interest cards with no fees. Your credit with affect your whole life, be smart!!! |
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eroskcus
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The best way is to open a "security deposit" credit card. You will deposit to the issuing bank a small amount like $300.00. They will issue you a card that will have the limit of your deposit. After six months, assuming you have always paid your monthly bills on time, they will offer you a real credit on a different account. The offers will come also from other financial institutions, since they all share their information. Be careful to choose a good and big (nationwide) bank. Since they are the major credit issuers. |
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angelhersh
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Get a credit card, but don't use it. Just haveing the card in your name will establish credit. You will get offers in the mail, but you can also find a card you like and apply on line. All credit cards have one for those that are starting out. Discover card is a good credit card to start. You will just have a lower credit balance, but if your just wanting to establish credit that won't matter.
Having a department store credit card will also establish credit, if do this make sure it is from a major company (it just looks better).
Also, car loans and cell phone plans (those with a contract) will also build credit, but you will be paying more for that contract.
Anything that requires credit, will build credit, if monthly balance is paid.
The credit card, or deparment store card will be the easiest way to establish credit. |
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syed
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It is not easy to build good credit specially for newbie it will take time to build credit. apply for credit card and make payment on time so keep on going . one and last word i will tell you that it will take time . just read my articles about how to build good credit here http://smallbusinesscreditcardsinfo.com |
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$m¤¤v¥ £¤¢¤
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Well, everyone including the big homie Chane has given you good answers about either getting a low-limit or secured credit card to build credit. But also, if you pay rent, utlilities, insurance, and you can get these reported as alternative credit by enrolling with PRBC. Here's are links explaining more about it:
What PRBC is:
http://prbc.com/main/about.php
How PRBC can work for you
http://prbc.com/consumers/how/billpayhist.php
How PRBC can help you qualify for a mortgage:
http://prbc.com/consumers/how/mortgage.php
This is a a new way of building credit for something that we've done for years but never gotten credit for it until now.... |
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Chane
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Here's a short article that will explain How to Build Credit from Scratch - http://aaacreditguide.com/2007/05/how-to-build-credit-from-scratch.html |
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traffic814
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you need to get it from your bank
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http://www.bestcreditrates.net |
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jahn
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You can visit http://www.cashguru.info and find very useful tips and several articles on credit related matters. |
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