 Credit card help? |
| I just recieved my credit card in the mail. I have a $400 limit, and a $80 cash advance. I am still learning about credit cards. If I need to make a cash advance will I have to pay apr, interest ... |
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 Do u ever know what is the cheapest thing on earth? |
| Just Tell me......Course I can't find one.......... |
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 Is it possible to ask for a "credit decrease" on my credit card? |
| My credit card has a $500 limit, but I'd rather have it at around $300 so I'm not tempted to spend the whole $500. If I ask them to make my credit limit 300 instead of 500... can they do ... |
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 My credit score is in the poor range like 500 or so. I owe about 1700 in debt. Im about to pay 500 of it now? |
| the remaining 1200 i will pay monthly hopefully have paid off by october. ( i got 500 back from an old employer ) How soon will my credit score be impacted. Its been a year since my last late pay. I ... |
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 I want a prepaid debit card for online purchases only. Where do I find one? |
| I do not want any credit checks, I don't want to give out my SSN or real name, I have no problems with giving out my address for shipping purposes, but I've been burnt and I will not use my ... |
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 I have bad debts for my credit card.? |
| I was in prison for 2 yrs.My credit card was about 25k, after my release it jump up to more then 50k. Altogether 5 banks. Can I still get a bank to settle all my previous debts. Because to pay one ... |
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 Credit card full payment before due time - how it will affect credit score? |
| is my credit score negatively affected (even if capital one doesn't report my credit limit)? i always pay in full and before due time.... |
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| How many credit cards you carry? |
| How many credits cards you carry? I like to have a VISA credit card since it's accepted to almost anywhere. I like to have an American Express too since I always buy at Costco in bundles and it ... |
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 As despised a credit card is, why do people like them so much? |
| itunes accounts needs them. paypal needs them. ebay needs them. and almost all of internet shopping vendors (read:scam websites) requires you to have a credit card account. but what i see, the ... |
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 How to stop collection calls ? |
| How to stop Collection(debt) calls at my work ? I don even know how did they got my work number ?... |
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 I was really stupid when i was 18 and got my self into debt. I'm now 25 and a little bit wiser but? |
| i now have a terrible credit rating. I would like to get a credit card just for emergancies (i'm now actually good with money!) Which credit card companys in the uk are good for people with a ... |
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 I have bad credit and someone told me I can erase my credit rating by getting a new Social Security number? |
| A friend said that since credit bureau use your Social Security number to report people that I could eliminate my bad credit by getting a new social security number. Is that true? Is that legal?... |
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 What is the best credit card to use?.? |
| I have good credit so far and I want to keep it that way.... |
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 Bad Credit & Credit Cards? |
| When I was in college I did not pay some debts that went to a collection agency and was not payed unitl 5 years after the fact. Now that I am trying to obtain a credit card everyone/agency/bank is ... |
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 Help! I want to repair my credit.? |
| My credit score is bad and I would like to buy a home. I got a credit report, should I start making payments on the companies that were on my credit report or do I have to call them up to make ... |
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:::Rae::: | If your boyfriend filled for bankrupcy..how long does it take to get off your credit & how badley is it ruins? |
My boyfriend filled for bankrupcy about a year ago right before i meet him...but now we are talking about marraige and iam scared becuause my credit is almost perfect and iam afried all those years off hard work to earn that score will be for nothing if i marry him. But, i dont want to not marry him for that..what is the best solution and how bad will it effects me. |
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Crazymom
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It shows up for 7 years, but you can start rebuilnding immediately. You may be paying 25% intrest on a cc, but it's worth it to start over. I went thru this and I charged one tank of gas a month on the card and paid it in full each month. That was 4 years ago and my credit score is higher that alot of my friends. |
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dishmal
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A lot of these statements are wrong again. Depending on what type of Bankruptcy you file, it can stay on your report for up to 10 (not 7) years.
Your credit in your file wont be hurt upon getting married if you request that you don't have a JOINT credit report. You must do this in writting to each of the reporting agencies.
One thing to remember people is that the top 3 are merely the TOP 3, not EVERY reporting agency that exists. There are more consumer reporting agencies out there. For a list you can go to the credit info center's listing: http://www.creditinfocenter.com/creditreports/OtherCreditBureaus.shtml.
Now, any time you try to get a major loan with your boyfriend/husband, they will look at his bankruptcy and that will hurt your interest rates/chances to get a loan. If you have VERY good credit, then it will pretty much offset that, especially if you make more money than he does! |
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Amanda H
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Your score is independant from his. So marrying him will not change it. It will take him up to 10 years (9 from now) to get that thing deleted. This means YOU will likely be financing a lot of the stuff for your family-- so be careful not to do too much if you're unsure, becuause THAT is generally what screws you up.
Don't let him add you to any of his CC"s or what not, as this can mean his payment history is added onto your report. Keep your accounts seperate and you'll be fine. Just dont go all finance crazy. Make sure he learned from his mistake! ANd be very open and honest about finances and bills, so everything is clear. If he tries to hide things or not talk about it at all, that's not good-- becuase he's proved he can wreck his credit. |
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Jordan K
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Things usually run off of your credit report in 7 years.
Marriage will not affect your credit score unless you have a joint account (credit card, mortgage, car loan, etc.) and it is not paid on time. |
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bluebellezza
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Marriage may not affect YOUR PERSONAL CREDIT but it WILL affect your ability as a couple to buy a house, or a car, or rent an apartment. ALL lenders look at both buyers, and my company does NOT do business at all with people with unsettled bankruptcies or a history of collections, charge-offs etc. |
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Tonya
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my husband filed bankrupcy right b4 we got married and it hasnt effected me at all. i was still able to get a new car. furniture and all that. just make sure he pays his future bills on time and you will be ok |
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notaclue
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This won't effect your credit! He's Joe Blow SS# ******** and your Suzy Whatever SS#**********! Your credit is yours and his is his! The only problem you're going to encounter is on a joint financial venture like buying a home, Otherwise, they can't hold you responsible for his actions when you're not even married! |
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loryntoo
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Keep your purchases separate and you'll be fine. No joint credit cards. No joint checking accounts. The only time this will affect you is when you buy a car or buy a house. |
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MDHanner
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You're credit will be fine. It might dip temporarily due to the name change. His credit will be hurting for 10 years but not debilitating. He need to build some new good credit (highly recommend secure credit cards) right away. You can get approved for a mortgage, car loan, etc... 1 day out of bk, but you'll pay. Any major purposes, I would recommend using your credit and going stated |
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Andy FF1,2,CrTr,4,5,6,7,8,9,10
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Your credit won't be impacted by his bankruptcy... But if the two of you try to borrow money to buy a house his bad credit rating will hit you both...
If you have any joint credit cards in both names, make sure at least those bills are always paid on time... |
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raiderfanmom
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Well when u file for bankruptcy it usually takes about 7 yrs to clear from your record.. You should really only file for bankrupt when your like seriously in debt like when u owe over $50,000 or so. Basicly when ur cought unisured and get into an accident, And the worse part is once u get married his credit is ur credit... U might want to keep ur last name for the 1st few yrs..GOOD LUCK |
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