 Credit card payoffs - highest interest rate or lowest balance first? |
| I have 4 credit cards and a loan that I owe $20K. I recently read that I should pay off the lowest balance first, but my husband thinks I should pay off the highest rate first. Any suggestions?... |
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 Why would my credit card APR balloon to 19.99%? I haven't missed payments and I have relatively good credit. |
| I have a fairly high balance--$16,000 due to graduate school expenses, but I always pay on time and try to pay more than the minimum payment. I make around $45,000 a year. I don't understand why ... |
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 I have really bad credit- not credit card related. Does credit counseling work or what can I do to fix it? |
| I am having trouble renting an apartment, I am going to need to buy a car and I would like to eventually own a house.... |
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 Will Social Security let you change your social security card.? |
| Someone stole my indenty and therefore I have to change my social security, but I think social security has told me they don't like to do that. I wonder what you think I have been a victim of ... |
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 My brother stole my credit card and went shopping online? |
| he took the card one night and i get this huge bill. i hate him right now. he wont pay for anything. now he left the other night back to new york. am i going to pay for his mistake? or do the credit ... |
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 How long after having a credit card is it ok to request a limit increase? |
Assuming you have paid on time and made substantially higher that minimum due payments.
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It in fact would be a so to say "temporary fix" for vacation costs. I... |
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 Who invented credit? |
| You know, the whole idea of "buy/borrow now, pay later" but with added interest?... |
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 Is no credit worse than bad credit? |
| As far as I am concerned Ihave no credit. I have just recently got a student loan, I don't know if that made my credit bad or not. How can I get good credit? I don't want to apply for ... |
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 If i am filing for bankruptcy next month will i get introuble if i use up on my? |
| credit cards this month? I already bought alot last month and this month is it ok?... |
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| Does anyone know how to get rid of columbia house records? |
| I bought some dvd's last christmas and now they are always going into my checking account taking money out and mailing me dvd's that I dont want. I can never talk to anyone at customer ... |
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 I have a serious problem on my hands! I had some money saved up and i went out to find me a used SUV? |
| I set out to find a way to restablish my credit, and my girlfriend gave me 7 grand to put down on a used car. Now, by being so excited, i didnt care what happened, i just new i had cash and i found ... |
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 I CANT GET APPROVED FOR A CREDIT CARD NO CREDiT? |
| what credit card can i get i have no credit. i know how to spend stuff im only gonna buy like cheap stuff and pay it off each time. is there other ways to build credit?... |
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| Credit card company threatening to take money !!? |
| I had a credit card with halifax bank a few years back , i basically got behind with the payments and eventually stopped paying , after several letters , i rang them up and explained difficulties in ... |
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 Is there a way to remove old paid off debt from my credit history? |
| I am trying to build my credit back up after some stupid things I did as a 20 year old. I had some deliquent credit payments about 5 years ago or so, that I eventually paid off in full about 4 years ... |
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 What can i do about ex husbands girlfriend pulling my credit from her work? |
| My soon to be ex husbands girlfriend obtained my social security number and pulled a hard inquiry on my credit. She is employed at a mortgage lender, which is where the inquiry came from, although a ... |
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 Why can't I get a unsecured credit card? |
I'm trying to rebuild my credit rating but nobody wants to seem to help!
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they keep sending me applications for uunsecured cards and then reject the applications.... |
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 Do anyone know of a reputable Credit Repair Agency? |
| I have several charge offs, and collections items on my credit report. I would like to get these items removed. The biggest challenge is with Experian they do not delete anything. I would like to ... |
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 When one has bad credit, is it beneficial to accept the offers of the cards claiming to help rebuild credit? |
| Or if trying to rebuild your credit, would it be better to just start paying on the bills that are delinquent and trying to make a settlement with the company? I had a hard time in the past and was ... |
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RG | If I add my girlfriends name as an authorized user does my 7 years of perfect payments attach to her credit? |
Will her credit report show the same payment history as the account on my report? Thus extending her credit history and raising her score. |
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SPIFIMAN1
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And now for the correct answer.
Yes your credit history will show up on your girlfriend credit.
Under the creditors name A will appear which shows anyone who looks at her credit that she is a authorized user.
I was a authorized user on my Moms Discover card for over 15-years and her history showed up on my credit. |
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NunYaBidNess
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What you need to be worried about... is if she runs up the bill, then cant pay it... Then the BAD credit follows YOU, AND you are liable for the debt, regardless of whether you did the carging or not.
Adding a "friend" or an adult sibling, etc etc to your credit cards is 99999 times out of 100,000 a VERY VERY VERY BAD idea.
You are the primary cardholder, the credit..good or bad will follow YOU. |
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Jack
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No....it doesn't work that way.
The clock starts when her transactions are reported. |
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FrankieM
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Yes - it will help her. It increases the amount of available credit and if you continue to make timely payments - it will improve her score over time. |
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moronsontheweb
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It all depends on the way the card company reports to the bureaus. Your past history will not attach, but the current payment history might. You should call your company and see how they report to the 3 bureaus. |
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flamingstar47
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My best advice is by experience adding my boyfriend, whose credit was horrible...without me he could not buy a used car.
Now with him, (I have removed him) I came close to having everything good I have done, and paid for in my life, swept under the carpet. I suggest you love her, smile a lot and keep your credit card to yourself..: ) |
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buckeyefrank100
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The correct answer is no, but I wouldn't concern myself AT ALL with the credit score. It doesn't matter. I would not get into the debt trap. Accumulate a small emergency fund, and pay cash for everything, except a mortgage. It will take a little longer to get things, but that's all they are, things. You will be much better off in the future.
Listen to Dave Ramsey for extremely sound financial advice. I am a CPA and 100% agree with his philosophy and it works in the real world. |
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Kat H
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No. As an authorized user, she has no responsibility for the payments. The credit is only attached to her name if she is a joint account holder. You should get a credit card in her name under her social security # to establish her credit. You can be a joint account holder to get her approved. |
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$m¤¤v¥ £¤¢¤
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It should, as long as you're keeping the balance managable, no lates or overlimit. You may have to make sure that it reports on her credit. If you were married, by law they would have to report it. But usually it takes about a month or so, maybe two in order for it to start reporting |
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