 Can I do a bankcrupcy and add my hard money loan? |
| I have a hard money loan against my dads commerical property under my name and I cannot afford it anymore ...do you think I can do a bk on the hard money ? thats a lien against my dads commerical ... |
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 Credit cards?? |
| Do I have to have a bank account to get a secured credit card?... |
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 I want to file bankrupt is that a mistake????? |
| I was thinking that I should file bankrupt so that I could rebuild my credit in order to buy a home. Do you think that is a good move or not? I want to pay all this bad credit off but it is so hard ... |
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 What does your credit score have to be in order to qualify for a small business loan? I want to be prepared.? |
| I am looking to start a small baby/mother's boutique. The only thing keeping me from going and getting a loan is the fear that my credit score won't be high enough... it's sitting at 6... |
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 How can i start building credit? |
i'm a college student, i already have loans out. how can i start building my credit?
Additional Details
i dont have any bills yet. i have a checking account.... |
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 What help does your bank provide for people who are in debt? |
| I need this answer as soon as possible …please if you answer this question ..let me know quickly…thanks for your help.... |
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| Collections? |
| I have a CC debt that has been charged off and sent to a collection agency. I am waiting on validation of the debt from them after sending my validation letter. What do I do if they do not validate? H... |
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 What can I do about calls to my house (see more)? |
| Some chick gave out my number for everything she's been working on lately. Ie. she checked out earthlink and put my number in and I have been getting other telemarketing calls for her to my home ... |
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 Can I change the due date on a credit card bill? |
Two of my credit card bills are due on the 31st. I get paid on the 1st only. Can I request to have my due dates changed so that I don't have to worry if I will have the money to pay my bill?
<... |
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 I am worried about my credit? |
| I am 21 years old and I am in my last year of college (graduating May 2008) I had 3 credit cards that were all about 1.5 years passed due and in total about 2500 dollar debt. I paid one off in full ... |
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 Can a credit card company randomly raise your APR for no reason? |
I have a credit card and just looked at my statement- my APR doubled.
I called the company and they said they can't tell me why, due to 3rd party something or another, but will mail me ... |
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 I'm 20yrs old and I have a credit Score of 726? |
| is that good?? What can I do to raise it ? How long will it take me to reach 800?... |
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Blade | If you have a bad credit score, what can you do to make it better or the scor5e higher? |
Additional Details
I can't and won't get into too much personal detail but mainly it's been past debt that's gotten me into trouble with credit score. Also I wan't ways to improve my credit score without the use of a credit card. All they do is lead to more trouble and I refuse to go deeper into debt.
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Miss Know It All
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To boost your credit score:
The first thing you will need to do is call the three major credit reporting agencies and request a free copy of your credit report.
www.equifax.com
www.experian.com
www.transunion.com
Then once you get those in the mail (7-10 days) there will be a dispute form attached to the reports. Fill those out for every negative account on your report regardless. Fax, mail go online whatever it takes to get those submitted as quickly as possible. Then those companies must answer your dispute within 30 days or it is removed from your credit report completely. So that will eliminate some things, hopefully.
Then make sure you pay all your revolving accounts to below 50% of your credit limits.
Make sure that you make all your payments no more than 20 days from the date it is due.
Good Luck! |
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Millionster.com
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I raised mine to well over 700 points fro 500 using these steps in less than a year -- :
# Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score tracking listed below. It really helped my get my score up.)
# Never Miss a Payment, Starting Today
# Never use more than 20% of your Available Credit
# Keep Credit Cards that Have No Annual Fees Open For as Long as Possible
# Extend Your Credit Limit on Cards You Already Have before You Get New Ones
# Get Credit Cards that Have CashBack Rewards to Contribute to your Balance
# Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-
# If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan
# Take out a Small Personal Loan and Repay it Over a Year
# Ask Someone With Good Credit if They will Account Shadow you
Read more here:
10-Ways to Boost Your MyFico Score
http://millionster.com/articles/debt/increase-fico-credit-score/
When you're trying to build a solid credit score it's important to get a comprehensive view of what is actually effecting it...
Your Credit Score (also known as your MyFico score) is calculated with the following breakdown:
35% - Payment History
30% - Credit to Debt Ratio
15% - Credit History
10% - New Credit
10% - Credit Types in Use
If you excel in one area and lack in another, only fixing the areas which you lack are going to improve your score |
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Xanon
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Also pay more than the minimum balance due, becuase that is also tracked. So if you owe a $100 minimum, pay $105. |
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ausi_n
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hi all you have to do is take a pair of scissors. your credit card and put metal to plastic. it is obvious that you have a problem now the first step to recovery is by distancing yourself from the source of addiction in this case your card. because no card means no credit means no debt. |
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beauty s
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pay off all debt
pay bills on time |
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Candice M
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How to improve my credit score? To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score<!--you'll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing.
http://badcredits.awardspace.com/creditscore.htm
In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports-->you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs. |
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Dominic H
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Well, without you giving more detail as to what is affecting your credit score, I would say that you first need to take inventory of what is on your credit. Once you do that, you can than make out a plan to make consistent and timely payments on debts.
Also, credit score is based upon other factors other than paying your bill on time. You could play every bill that you have on time and still have a low credit score.
Reasons for this would include having TOO much debt or the balances of the debt your possess being too close to their limits.
For more check here
http://raise-your-credit-score.blogspot.com |
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Angela C
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consolidate your debt if you can't pay it off. |
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Maddie
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Pay off your debt, pay your bill's on time. |
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