 Is it good to get a credit card to build credit if you have none? |
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 My ex-husband trashed my credit!? |
| I have two major charge offs on my credit report one is for 6k the other for 3k. Both generated by my ex-husband. The accounts were in my name alone he just used the cards. Both accounts have been ... |
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 Captial one credit card? |
| i just recived a letter from captial one this morning as i applied for a card with them i had to sign the agreement and send it away which i have done as soon as i recived the letter does that mean ... |
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And please dont say "Get a job" I have one, but some extra cash would be nice.
Is there a real way online that i can make some money without having to put a credit card or something?<... |
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 Does anyone Know any loan sharks or money lenders pls? |
Please dont reply if you just want to say dont do it or if your money lender that keep wanting up front fee im not interested
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 Can a company charge my credit card without my authority? |
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| I have really bad credit with a score of 539. I made a lot of mistakes when I was 18, I am now 25 and don't need you to lecture me. My question is... I just got approved for a Continental M... |
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 If my boyfriend needs a co-signer on a car could I co-sign with him if I made almost as he does? |
Both of our credit is poor.
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LOL ok we are engagged to be married. We have 2 cars but we need one with A/C and since I'm going to college 20mins away mon-thurs. I ... |
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 Is it possible to take out a loan using my car as collateral? |
I would want to repay the loan over the course of two years or so, but the money would be very helpful to boost investments.
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The car is worth about $10... |
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 I am a new resident of canada and i am thinking of stopping payment to credit cards in the USA? |
| i was informed by credit agencies in the United states that canada and United states credit union or collection agencies don't communicate. So if i stopped payment there would be no way for them ... |
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 What happens when you don't pay off credit card debt? |
| Can the company sue you for not paying off the debt? Does it eventually go away? What happens when you do not pay off credit card debt?... |
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 How do you buy things online without a credit card? |
| Well, I want to buy a T-shirt online, and only available online but the thing is, I'm 16 and I live with my grandmother but she doesn't have a credit card. It got hacked and she just ended ... |
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JY | I want debt consolid. loan from credit union for 10k with credit score of 645. Will I be approved? |
I want to get a debt conso loan from the credit union I just joined. I have a fair credit score of 645-650 depending on which credit report you pull. However, I also have a delinquent cell phone account for $1500 thats about 6 years old. I'v applied for a similar loan at bank of america but got denied due to the delinquent account. I would really like the loan to pay the delinquent account and my credit cards off. What are the odds of me getting the loan at a credit union? |
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Miss Know It All
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I do not think that should be that big a deal. However, if you have something to use as security you could guarantee the loan.
Good Luck! |
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MR
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Why don't you try www.prosper.com? It's a p2p online service. They are really strict but it might be worth your while to look into them. They've helped quite a few people who have had trouble getting a loan the traditional way. |
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Julie
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Banks, and credit unions particularly are getting tighter on their lending. You will probably have to pay off the phone balance. Call them, if it is that old you can possibly negotiate for a lesser amount, do you also have a collections showing on your credit from that?
When was the last time you looked at your credit report? Maybe you might want to look at what is showing. |
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STEVEN F
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A single delinquent account that is 6 years old is already affecting your credit score less than what you had for breakfast yesterday. Unless the bank specifically stated that the delinquent bill was the reason you were denied, and even if they did, I bet it had more to do with your income than your credit. |
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Kimberly S
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650 is average credit score. i actually just did this with a credit score of 700. i was also denied add'l credit. I spoke to the woman at the credit union (my alma mater school) and explained that the loan was for (a personal loan to pay off some credit card debt-though the cards were not delinquent, they were at 32% APR. i was approved, paid off the debt and now juast have the loan t pay back...the loan looks much better than credit card debt. However, if you can't afford to pay back the loan, don't get yourself into more trouble, then it will really look bad...make sure you can afford to make payments and set up a recurring monthly payment schedule through online banking so you don't miss payments. good luck!
ps, do you really need the full 10k? |
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felix hallam
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Bad credit debt consolidation loans are of two types:
1. Secured bad credit debt consolidation loans:
These types of bad credit debt consolidation loans are secured by a collateral usually some property or a guarantor. Since, the lenders find something to bank upon in case you default on payments, the interest rates on secured bad credit debt consolidation loans are cheaper, the lending amounts are higher and the repayment period can be long.
2. Unsecured bad credit debt consolidation loans:
Persons who do not have anything to offer as the collateral or security, can take unsecured bad credit debt consolidation loans. The lenders find themselves at increasing level of risk while giving such loans. The existing bad credit situation and lack of a collateral, make them charge high interest rates and offer low loan amounts to offset the risk involved. But, a person who has a bad credit and cannot provide a collateral has little choice, but to take these high interest loans. At least by repaying these the borrower can rebuild his credit history. Read more about it at: http://www.credit-card-gallery.com/article/198,Get_over_bad_credit_problems_with_bad_credit_debt_consolidation_loans |
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Elphin B
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Have you asked your credit union rep? That would be a much better source of information. You don't have a bad credit score. It is about average is my guess.
If you have not already done so get a copy of your credit report from all three of the Credit Bureaus. Even if it cost money get them asap.
Also it would be a good idea to see a reputable credit counselor such as Consumer Credit Counseling. They likely will be able to help you get out of debt without the consolidated loan. And they can help you stay out of debt.
Good luck. |
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