 I have credit card debt from 2001 When will it fall off the credit report? |
| My husband and I live in California and back in 2001 we were in a financial crises and didnt pay 5 credit card bills. But I have several collection agencies calling and sending bills. When will it ... |
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 I need help finding a quick personal loan? |
| Can someone help me find a quick personal loan, something other than a payday loan?... |
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 What credit card company offers a low interest rate %? I need to open a major credit card.? |
| I'm 18 years old and I would like to open a major credit card but I'm having a hard time finding one that has a low interest rate. Any suggestions on who to go with or where to look on the ... |
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 If we didnt have CREDIT we would never survive on our salaries so why is everything so expensive that we have? |
to have credit to afford them.
Additional Details
I DONT HAVE A CREDIT CARD OR ANY CREDIT I BUY WHAT I CAN AFFORD WITH CASH AND GO WITHOUT TILL THE END OF THE MONTH IF NEED BE... |
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 Credit card APR? |
| Is 17.9% to 19% APR bad for a Hess Gas card. We are trying to better our credit as much as possiable.. If we buy gas every month and pay it off in full will the APR even matter??... |
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 How do you get ONE free credit report without signing up for a trial of anything? |
| I keep seeing offers for free credit reports. But you always have to signup for a month of service that will continue in perpetuity unless you go to them and tell them to cancel. Is there a way you ... |
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 How can I get a debtor to stop calling? |
| My son recently had emergency surgery and the medical bills are absolutely enormous (in excess of $86000 AFTER insurance pay outs). The hospital has hounded me for several months now, and I have ... |
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 Why does Capital One offer this? |
Capital One sent me an offer for a pre-approved Preferred Plus Platinum MC with a credit line of up to $5000.
But I already have a MC with Capital One and had one for the past two years. <... |
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 I'm looking to get a credit card to help build up my credit. Which card should I get? |
I want one with no annual fee. A rewards program of some sort would be nice, but not a necessity. I already have a Capital One card that I use. What else is a good one?
Additional Details<... |
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 Is your credit score lowered when you cancel a credit card? |
| My daughter is in college and opened a low interest Citibank VISA for college students not realizing that the interest rate went up very high after 6 months. We are making more than minimum payments ... |
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 Has anyone used a payday loan company? |
| Are payday loan companies you find online reputable? If you have used one, had a good or bad experience, please let me know?... |
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 I have a very poor credit rating. How do I change this? |
| I am 37 years old, African-American, gainfully employed in D.C., have lived, worked and studied abroad. I have a Bachelor's in French. I also have 60,000 dollars worth of student loans to pay ... |
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 I am adding my wife as an authorized user on my credit card. Will this affect my great credit score? |
| I have great credit. It is above 720. I always pay everything on time. I have a mortgage and no credit card debt, no school loans, and I am about to pay off my car loan. My wife has bad credit. I... |
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 Debit Card question? |
| 1.when a Current Account card is given through the post by Bank you signed on to, is this card the same thing as a 'Debit Card'?... |
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| Does checking your credit score on FREECREDITREPORT.com lower your credit score? |
| I heard from friends that it does and I just wondered. And also what happens if you miss ONE credit card payment??? Please only intelligent answers, this is important.... |
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 Anyone out there frustrated about their credit rating? |
| Heres the deal: Im 20 years old, I have had credit history for about 3 years I have done excellent with making my payments and also paying off my credit, however I only have an Average rating and Its ... |
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mmelendez36 | If I cancel 2 of my credit cards will affect that my credit score? |
Additional Details
I have cero balance
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jodi_lynn_124
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There is a couple reasons why u should not cancel cards: 1. because your debt to credit ratio will go down and lower your score and 2. depending on how old your credit has been established could be one of the older ones on your reports and that really will drop your scores. My older sister did it thinking she was doing good without talking to me and her credit score went from 805 to 777.
:) |
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starbright2
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It will most definately! It's better to zero balance your cards then sock drawer them. If at all possible try not to close credit accounts. The open credit is a plus for your debt to credit ratio. |
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ā¯€Mother Of 2ā¯€
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Yes That Happened 2 One Of My Friend So..Leave It Like That And Dont USE IT..THTAS BETTER.. |
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starsmoak
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It will affect your credit score... it's best to leave them at zero balance and not use them. If it's too tempting for you to use them though your best bet is to cancel them. The only way having them open and at a zero balance will affect you negativly is if you're applying for a line of credit (ie: car, home... ect) is that they look at the amout you 'could' charge on that card and that could be potential debt in the future for you, but if you pay your bills regulary that shouldn't be an issue really. The longer you have an account open, and in good standing, helps your credit score. |
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bella_4624_19
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Don't cancel any of your cards! Keep it open with zero balances and build established credit. If you cancel the cards you will lose established time and a lot of creditor's look at that. Keep it open and just don't use them if you don't want to. |
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Mr. V.P.
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Probably, yes. It's better to leave a zero balance. Your credit line should always outweigh your debt. |
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Mariposa
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Yes, part of your credit score is your average length of time an account is open. If you close the accounts, you lower your score by lowering the amount of time the account was open. |
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justagal
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Yes, probably for the worse, because your "available credit" will decrease. |
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yums
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read tips on debt/credit and scoring on this site |
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nelson_devon
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Yes, in some way, but I am canceling some of mine |
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Jessie P
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If you still owe on them, yes. I wouldn't take the chance. I'd just cut them up so I'd have the positive rating, but not the temptation. |
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