 How can you raise your credit score? |
| WHAT CAN YOU DO TO RAISE YOUR CREDIT SCORE, AND WHAT SHOULD YOU BE LOOKING OUT FOR... |
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 I NEED an auto loan...? |
For $12,000.
BUT:
-I am 18 with 6 months of credit history
-Have a FICO score of 708
-Have a STEADY income of $1100
-Plan to repay within 36 months
PLUS: My ... |
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 How do you get out of a credit card debt if the sum of your minimum payments exceeds your actual balanace? |
| I owe $5,000 on 1 credit card and probably paid $7,000 in interest and fees over the years but still carry nearly the same balance at a high interest rate - makes it hard to pay off. Ideas? Tricks? T... |
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 Buying new car but first.... should we pay off car loan or credit card? |
| We are going to buy a new car in the next couple weeks (a TrailBlazer SS). My car is currently paid off. My husbands car only has 3 payments left on it. I can pay it off now or apply that money ... |
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 Ok I have apprx. 35k in dept. I'm lookin to file bankruptcy but i'm not sure what chapter I need to file under |
So i guess my question is What chapter do I need to file under?
Additional Details
when going through a debt consolodation will my truck be included in that? It makes up about 50% of my ... |
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 Missed my car paymet, is it a big deal? |
| I had a brain malfunction in March and forgot to make my car payment. I got a call from the lein holder and they told me I was 22 days late. I paid the payment and the late fees immediately. Is this ... |
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| What are the best ways of obtaining credit ? |
| I have no credit card, don't make much $ but am very good @ saving up $. What should I do ? Should I save a few hundred dollars & then ask the bank to lend me the $ & then pay them back ... |
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 If I don't pay my bill will it still come off of my credit report after 7 years (Next year)? |
I have a 6 year old bill that right now is $1700. I don't see myself paying it off in the next year. So if I don't pay it will it still come off my credit report next year?
Additional ... |
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 If you got caught with 5000 pounds in your account? |
| which genuinely wasnt yours by the housing benefits people what would happen and how could you prove it wasnt yours.... |
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 Where can i file a complaint against a credit card company for over charging me? |
| I paid my credit card bill online, and through a mistake it was returned overdrafted. I immediately re-paid it for the same amount. The credit card company then re-sent the first payment that was ... |
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| How can I get out of a bad car loan? |
| 18 months ago my girlfriend purchased a car for her brother (in her name) against my better judgement. She took out a $29,000 loan at 15% interest, which he was to pay. 18 months later, the brother ... |
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| Can collection agencies from the United states garnish wages from another country? |
| If you owe money in the United States and then move out of the country without paying the bill and it ends up in a collection agency, can that agency garnish your wages from the country you live in ... |
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 Not to be morbid but if your co-signer passes away. . . .? |
if the co-signer for someone's auto loan passes away before the term is up...what happens then? Who is ultimately responsible and do you still get to keep the car?
Additional Details<... |
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 Depositing a check? |
I just got my first paycheck and I have no idea how to cash it or deposit it... whatever it's called.
I opened a checking account a couple weeks ago, I want to go to the bank monday morning,... |
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 Im in debt like 12 thousand dollars and i need to get a loan and pay everything off? |
| only problem is my credit score and credit history are very bad i think my score is in the mid 500s any suggestions?? where i can ... |
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 I signed up on freecreditreport.com? |
| How do i know if I was enrolled in the 30day free trial subscription? Do they automatically enroll you in that when you check your credit score?... |
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 Is signing up for college the easiest way to get credit cards? |
| If I sign up for classes will the credit card companies shower me with credit?... |
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 Does anyone know where my husband and I can get a personal loan when we have bad credit? |
| We really want to increase our credit scores and pay off what i think is small debt but looks ugly on our credit reports.... |
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embabe232 | If you never use your credit card, can you still be charged a fee? |
I am a college student and would like to apply for a credit card to start building my own line of credit, to be honest i dont plan on using it at all, just for emergency type of thing. But if i do not make any charges on the card, can companies still charge me a fee?? |
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John's Secret Identity™
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It's for the convenience of having the card. If your credit rating is high (which it's not if you're a student) you might get one without fees. |
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LifeRyder
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Most companies these days are dying to get people just like you. NEVER accept a credit card that has an 'annual membership fee' attached. There are plenty that don't have such fees, HOWEVER, always look at their interest rates charged. Most of them are charging a 'variable rate' attached to the daily prime. A great rule of thumb! Try to avoid purchases that YOU can't pay off in six months or less. Also, check that they don't have a clause for early pay off penalty, some do. FINALLY, avoid paying the minimum monthly payments.
The best thing is to 'charge' only what you can pay in full at the due date. |
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dancinghawk_wolf
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It depends on the card. I've wondered this myself, since I've paid off my cards but still keep them open to mantain my credit history.
If you have good discipline -- buy one small item on the credit card a month -- gas, or use it to pay a bill. And then pay it off right away. It will build your credit score and most credit cards allow you to pay them on-line -- you can make the purchase, and then transfer the money from your bank account as soon as the charge goes through. That way, you don't pay the monthly fees. (Make sure your purchases are well before your bill comes due, or you will get charged the APR for carrying a balance.) |
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Kenneth S
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many years ago I did just that...I got a credit card with a fee. It wasn't a heavy fee and it did help me. what you do is get the card...it will have an annual fee. pay the first year and make some small purchases with it and pay them off when you get the bill...no interest on purchases if paid within 30 days of the purchase.
Credit card companies want your business so after the first year...call the card company and tell them you want to cancel. they will ask why and tell them you don't want to pay the fee...and also tell them the interest rate is too hi. be sure to use the card a few times during that year so they can look and see that you have made purchases and paid them on time. they will most likely tell you that since you have kept your end of the deal that they can wave the annual fee and lower the interest rate at the same time.
It worked for me and it was the first step to establishing the good credit I have today...it's worth it for the first year...after that...you deserve a no annual fee credit card.
Good luck |
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STEVEN F
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You should have no trouble finding a card with no annual fee. Inactivity fees are becoming more common these days. My advice would be to use the card 2 or 3 time a year for something you would have bought anyway. Check you account on-line a few days later and pay it off as soon as the charge posts to your account. |
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mandm
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You have to read the fine print, as some credit cards do charge a monthly fee even if you don't use it. To build your credit you should buy something once in a month or two and pay it off right away. Then you will build your own line of credit. |
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oakhill
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It depends on the credit card you get. Some do not charge a fee if not used, some charge annual fees regardless of use. The fine print will specify if they charge or not. It should also be noted that in order for you to make a difference in your own credit history, you might consider small monthly charges, paid off each month completely. That way there will be no finance charges, but your credit report will reflect a good payment history. |
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Steve R
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Get a card that charges no annual fee. See http://www.bankrate.com/ for credit cards. |
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BoomChikkaBoom
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Most cards have a yearly fee, and you will have to pay it in order to keep the card.
You can use it to make purchases that you normally would have paid cash for and pay off the bill in full every month in order to build up your credit rating. |
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