 Online Credit Card? |
| Is it possible to obtain an "online" credit card? I want to obtain a low limit card to use for online transactions exclusively. I would set a very low limit, in order to limit fraud in ... |
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 My credit is in the toilet and I'm 37. How do I repair without filing for bankruptcy? |
| I'm studying to be come an electrical engineer and working for an field engineering company as an electrical apprentice. I pay child support for 3 daughters. I don't have a 401k or ... |
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 My mother has bad credit, I have no credit. Can She still co-sign a credit card for me? |
I'm about to turn 21 years old and I have no credit.I don't want to get an insured credit card, so that's out of the question.
My question is, can my mother cosign a credit ... |
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 What does my credit score have to be to be approved for a home loan? |
| I am restablishing my credit because I want to buy a home. My credit score now is 550... |
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 How can i get out this credit card debt ? |
| I don't have a job right now i can't pay my bills everybody is calling me to make a payment i can't give them what i do't have. one company has sent me execution payment request ... |
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 What can I do to improve my credit, so I can get a loan? |
| Got denied credit because of 3-4 unpaid very old debts that have been turned into collection agencies years ago. (3-5 yrs) The total is low, and they are hospital bills and a cell phone bill. Peoples ... |
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 I have several credit cards from years ago that I never was able to pay? |
| I am always getting letters telling me to pay the debt and the amount keeps getting higher. I am not able to pay these off in full. What should I do? What can the companys do to me if they are not ... |
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 If you default on your credit card,can the card company sue you? |
| Say you have about $3500.00 on one card and $3500.00 on another card, can you be sued for not paying?... |
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 Is 14.99% interest rate ok if you are new to credit cards? |
| it's 0% for 6 months,then 14.99%,it has variable rates,14.99% or the prime rate plus 9.99%.... |
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 What can u do if the bank agents are harassing your family coz of overdue payment? |
| I have a loan which I wasn't able to pay before I left my country 6mos ago..but is willing to settle it.The thing is the company is harassing my family..what is my legal right on this? please ... |
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 Can I get a realistic answer for getting out of debt? |
| I have read and listened to numerous "get of debt" solutions. Are these books for real? The rolling affect of once a credit card is paid off put that payment on the next credit card and ... |
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 Where can I find a good interest rate on an Auto Loan if i have bad credit? |
| I recently bought a car and my interest is 25%! That is horrible. . but I needed a car VERY bad. Where can I find a place that will finance someone with bad credit. . but have an interst rate better ... |
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 I'm being sued by an old credit card---! Help? Advice? |
Anyone been through this?
What can I do, and can they get any money from me?
It's an "unsecured" card, not tied to a bank account.
Should I declare bankruptcy---or is ... |
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miss_slyik_kiss | I want to start establishing credit. I have none. What is the best way to go about doing this? |
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Dreamlander
 |
The best way is:
After having a job for at least 6 months, continuously, apply for small loans. You can find these everywhere. What happens is they report when you pay, therefore giving you a good credit score.
You can also apply for a visa card that allows you to pay $39.99 and they give you like $100.00 in credit. After paying for 3 or 4 months, your credit will be great! Good Luck! |
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Bornredprincess
|
If you are of age and have a job, buy a car. |
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daveduncan40
 |
You have to start small when establishing a credit rating. Get a credit card and BE CAREFUL with it. You will want to charge something on it and then make the payments regularly. Soon you will get a higher limit on the card. Then credit companies will be more likely to give you a loan. You need to know that one slip will stay with you for a long time. |
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rcitaw
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Go online and apply for a credit card or google in credit card and I'm sure you'll get plenty of offers. Just make sure you compare the apr rates. |
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Credit Guru
|
This is one of the most common questions on this board.
How do I build/establish credit?
First off you need to be educated about how credit works in the U.S. Every credit decision a lender makes is driven by FICO credit scores. You can go to www.myfico.com and look in the Credit Education section to learn how FICO credit scores are determined. To build your credit you have to place positive credit items on your file that will report positively for 6-12 months minimum. If you want your credit to be in the Excellent category (FICO score 720+) then your goal should be to have 3-6 revolving accounts(dept. store, gas cards, Visa. etc.) WITH NEAR ZERO BALANCES and 1-2 installment loans(car, mortgage) that are reporting positively.
I would start out with a Bank of America or Wells Fargo secured Visa card. Both banks have great programs with low annual fees, low starting amounts ($300.00) and no junk fees. After 12 months of positive on time payments you will graduate to an unsecured status. Then you will probably be approved for other cards such as dept. store and gas cards.
Good Luck |
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Maher
 |
hi
the best way to do this is to go to one of the big department stores (Best Buy. Sears....etc) and apeopley for their credit card. in these big stores they want more ppl . therefore its more likely that you get approved immediately. In addition. if you have a family member (brother sister, or parent) who has a credit card. ask him/her to add you as an additional user to his/her credit card. temporally. its just to get your name started for the credit card companies
Finally my advice. be patient, cause it takes time. and don't apply too many times for the same credit card that didn't accept your application . all you need is one credit card, and they will all start begging you to apply for more |
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CLICKER12US
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get a credit card. and when you get it, make the payments on time and never make a late payment. a credit card is a good way to get and establish credit |
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mortgageguru
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Keep at least 30 percent available on any credit line. Never be late on rent or mortgage. Dont just close lines of credit. ... gosh, write me if you are interested in buying a home... I can tell tell you more on how you can prepare for that... |
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Texas Scamp
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Open only one credit account. Make regular payments (more than the minimal; and before the deadline). |
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Big Daddy
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Get a checking account, or anything that can show revolving credit. Example: You put you pay check into your account, pay your bills with the checks or debit card, and then put in money when you can to show revolving credit. |
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