 Horriable Credit ... Help!? |
I have the worst credit in the world( this is seriously bad) My score is some where below 520. At the current moment I owe about 35,000 and have 2 repossed cars.
Someone Help me.
A... |
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 PAYPAL PROBLEM HELP EVERy1!! EBAYERS HELP ME!!?!?!?!? |
| well heres my problem, i have sold a few things on ebay and ive withdrawed the money into my account.For the first day it said pending and in the second day it said complete, although they say this ... |
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 I have bad credit history anyone no were i can get a hd tv on finance? |
| i want to get a tv on finance but i have realy bad credit history does anyone no were to get one from who does no credit checks ?????... |
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 How do I get off a carloan as the cosigner? |
| I co-signed for my (now) ex-boyfriends car about a year and a half ago. I only did it because I was told that it would only be for a year, and then it could be transferred into his name. Well that ... |
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 I was contacted about a bill that the company said I never paid. However the bill was paid by check. They want |
| They want proof of payment. I would have to order the canceled check, which would cost me money or I would have to send a copy of my bank statement which Idefinitely would not be comfortable doing. B... |
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 On a senior first date to diner should the man pay check by cash or card for best impression? |
| the man does not want to appear"flashy" by exposing a lot of cash for a gormet diner but also is reluctant to to use the card as he is not a heavy card user and manages his finances well,... |
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 Where can iget a consolidation loan? my credit score(around 670), not behind on payments;need 20,000 loan@12% |
| my interest rates on my credit cards is about 21%. i am paying about 900 monthly but wont get out for about 4 years ..would like consolidate and pay off in 2 ... |
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 Looking to find an online or payday advance type of loan place that I can pay back at the rate of 200-250 a mo |
| If anyone has suggestions please respond asap as it is urgent alot of those places have wayyyyy to high of an interest rate for a single mom of two ....I know someone knows of somewhere...Thanks S... |
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 What will happen with credit card debt? |
| I have credit card debt and the consolidation places don't sound good to me. What would happen if I decided not to pay them anymore? What if I choose to pay off one at a time. Can my wages get ... |
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 Am ticked off! Am in credit from the gas company and they wont give me all my money back.? |
| I really need this money. They are trying to say that i need it for the winter billing, but enough money goes from the bank every month that's why i'm in lots of credit! Does anyone know ... |
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 Loan, help? |
| Does anyone know any loan company or bank that doesnt ask for your employment adress? Im wanitng a loan of 10,000 with the first couple of months off no payments because im starting a job in around 2... |
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 Would we all be better off if we take out a loan we will never afford to pay back? |
I don't take loans and don't owe the bank but I think we should just take all they offer buy some shares in the local ganja grower and make some profits from drug dealing.
The ... |
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 Does anyone know about any credit cards that's easy to get?? |
| I wanna get a credit card but the places i apply deny me. Is there an easier credit card to get into?... |
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 How can you get a visa with little or bad credit and no bank accout? |
| I am having a problem getting credit due to my ex boyfriend and i need some advise what should I do. I am running into brick walls everywhere and I need to have a credit card for exteme events. P... |
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 Paid Surveys? |
| im planning on trying out this membership for this website express paid surveys.com but i only have one concern do companies really pay for you to take a survey and on a minimum how much can anyone ... |
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 Canceling a won item on ebay? |
| Okay well i bought something off of ebay and well its been about 5 days and he hasnt left feedback on my payment so im guessing he didnt send it out yet. I would like to cancel this because its gonna ... |
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| I want apply for personal loan? |
| I am getting a sal of Rs. 12,000 pm. I want to apply for a personal loan of 1,50,000. i have a bank account from 3 months that my sal is credited in that, driving licence, voter ID, and also i have ... |
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Jenny S | If I get a credit card, and pay it off every month before interest is added is it just like using a debit card |
I mean, if I get the card, then pay off my bills by the due date..I won't have to pay any interest correct? I want a credit card to build up my credit but want to be extremely careful doing so |
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I don't believe it!
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No, you need to have the cash available to use a debit card. A credit card is where you are loaned the money more or less. If you pay the money off before the payments are due then you will probably be offered more credit. |
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emd432002
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YES IT IS TRUE. BUT YOU MUST NOT EVER HAVE A LATE PAYMENT. ALWAYS SEND IN YOUR PAYMENT A MINIMUM OF 7 DAYS BEFORE IT IS DUE, TO MAKE ABSOLUTELY SURE IT IS RECEIVED ON TIME. |
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Yogini108
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If you pay it off each month, using the credit card can be cheaper than using a debit card, because many places charge a fee each time you use your debit card. It's usually around 1.50 a transaction, but that can add up quickly.
If you get a credit card that doesn't charge an annual fee, you can use the credit card for free.
Another nice thing about the credit card is that you'll get a detailed statement with your bill, so it's great for letting you see how you're spending your money, and it's also great if you have expenses you can deduct from your taxes--just save the statements and you have all the documentation you need.
Another answer said that you don't build up credit if you pay the bill each month, but if you have some other payments, like a car payment or house payment, you'll still have a history of owing money. Keep the credit card for a really long time, even if you don't use it every month, and it will help your credit. |
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waggy_33
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No, if you don't have cash available in your account when you use your debit card you get charged an overdraft fee.
A credit card bill is due once a month and you keep the money in your account until you pay the bill. If you pay the credit card bill on-line the payment is then similar to a debit card. |
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Monkey Harris
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Yes it is and it really boosts your credit rating. |
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stephgirlx2
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To be completely sure you wont get stung for any fees then you should get a credit card with a 6 or 9 month interest free period & when that runs out switch to another card with the same offer. I am in the middle of doing this at the min.
The natwest are offeriing a good deal 3 types of card free holiday insurance & 9 months interest free. |
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mapleleafydude
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Yes but you are in a wrong assumption that doing so will build a good credit.
The golden rule of building or maintaining credit is
"always owe money"
So make sure you always owe some money to the banks else your credit will be stagnant for long. |
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the_silver_tin_man
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If you pay the bill on time,you won't get charged with interest on the credit card.The difference between a credit card and a debit card is:When you use your credit card to buy something,it goes on to what you owe already.Let's say you have a $10.00 credit card bill and you go out and buy something that cost $20.00-your credit card bill is $30.00.
When you use a debit card,it automatically takes the money out of your checking account.If you have $30.00 in your checking account and you get $20.00 worth of gas,your balance in your checking account wuld be $10.00. |
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?
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more or less |
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Lucianna
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Be very careful with this.
Most credit card companies will start charging interest as soon as they get the info of it being used, and we all know that as soon as the card is swiped, the info is in the system.
You WILL pay interest, just read the fine print and find out how much and adjust from there.
It'll actually be helpful if you pay it off in two installments. Put $50 on it, then pay off $25 at a time. This will help convince them that you're capable of taking care of a debt.
This was one of many things I did to build my credit up again after my ex screwed it up. It took awhile, but I eventually got there. Another thing I did was to buy a car, a truck actually, with a co-signer, and I made sure I paid it off. No matter what else came my way, my truck payment was the first to be paid. This boosted my credit rating like a big dog!! I got one of the cheapest, best looking used ones on the lot, paid $5,000 for it. |
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gypsy
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if you apply for and get a credit card and you purchase items monthly and pay your bill in full you are still building "credit" i have done just that for the past 15 years and my credit rating is A1. Just be careful not to spend more than you an afford to pay at the end of the month or thats where the trouble begins. |
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~*Jo*~
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You get 0% APR for the first 6 months, I pay it off by then and get a different one every 6 months, that is that best way. Your credit will be established quick! If you do that thought, make sure you dont do it a day late!!!! Good Luck! also, dont but food and gas and stuff with your card i did that my first time and It was horrible!!! |
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Mrs G
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No.. they will charge you anyway..unless they have some sort of deal on... Dont worry about it anyway... Zapp that card and make your life a happy one by buying want you want now.. dont worry about the payments .. |
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