 How will paying off my debt affect my credit report? |
| I am past due on a $5000 student loan and past due on another $2000 personal loan.......I'm working a great job now and I have a lump sum of money coming in the next two months that will allow ... |
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 Is it better to pay off my credit cards slowly or get a consolidation loan and pay off everything at once? |
| I have the opportunity to get a $10,000 consolidation loan to pay off all my cards ($6,000) but I'm not sure that's a good idea. I would like to raise my credit score to make a major ... |
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 Which credit card can i get if i have no credit? |
| i have absolutely no credit, who will give me a card to help build my credit?... |
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 Credit card fraud...What will happen if I don't want to press charges? |
| Someone that I know used my name on a credit card without my permission. I know this person, and don't want to press charges. My brother however called an investigater because he is really mad ... |
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 I have NO credit history, where can I get a credit card from? |
| I'm in my early twenties. I'm not a student. I also need one that reports my limit to credit bureaus so I can build credit. My bank declined my credit card application because I have no ... |
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 Is it Possible for two people to have the same Social Security #? |
| I just found out that someone has a credit card in their name but using my social security number. I have never seen it on my credit report, and when I spoke to the credit card company they said this ... |
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 Where can I get a high risk personal unsecured loan without a cosigner? |
| I have really bad credit however I am trying to play catch up with my bills. Because of medical reasons I was off from both of my jobs. I work two jobs and I can pay over $300 a month on a $12000 ... |
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 Please HELP, Im going to cry. This seller/website has my credit card info, and they ripped me off? |
I found a site a body jewelry site on google last week, and placed an order.
I contacted the owner of the site last week and asked a general question about my order and received no reply.<... |
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 How did $10,000 debt disappear? |
I racked up $10,000 in debt at college while psychiatrically disabled. I used to get a letter asking for payment every month.
Now I don't get anything from them. Its been over a year now ... |
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 Can they hold you legally responsible for the debt if you are an authorized user on a credit card? |
Additional Details
the credit card is not mine, i was just added as an authorized user. isn't the holder of the account responsible.... |
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 My parents paid off my credit card for me and now I'm recieving all these offers for credit cards in the mail |
| can someone explain how I can keep these from coming? Because I don't need any more credit cards and this is just a waste of paper for them and I'm a little uncomfortable about my personal ... |
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 I need help my brother need wants to join but he hasnt got a credit card yet he 18 but he does now want one? |
I need help my brother need wants to join but he hasnt got a credit card yet he 18 but he does now want one so what sould he do reply thanks
Additional Details
sorry i spelt loades of ... |
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 What is the difference between a bank and a credit union? |
| which one is more likely to aproove me for a personal loan?... |
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 Is this a good offer for a credit card? |
| Its a Mastercard from Capital One, the credit line is $300, 0% APR on purchases until May 2008 - 9.9% after that and a $59 annual fee. I have 1 other credit card, Visa from WaMu with a $500 credit ... |
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 Why should I care about the credit crunch? |
| If I didn't watch the news, I wouldn't even know about the 'credit crunch' or 'recession' - we even bought our first home this year! The only thing I've noticed ... |
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 I am unable to pay the personal loans that i have taken from banks? |
| what to do it is impossible for me to pay the bank loans which i have taken from diffrent banks .I have no property right now,but i want to pay the loans but i will be not able to pay the intrests is ... |
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 How in the world do you actually get a FREE credit report with out a credit card? I never had one.? |
So why cant i get approved for any thing? Not even a credit card they said that my credit is to bad. I havent even done anything to my credit to be bad.
Additional Details
Thank you all. ... |
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Herewego | Im 22 years old and my credit is ruined...but? |
i payed off everything that i owe but cant get any sort of credit, how can i reestablish my credit??? and without going to some credit counseling place?? |
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Heather Diane
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If you have paid everything off that you owe (like credit cards, car, etc.) the only thing you can really do is wait. Most credit reports go back two years. If your credit was that bad and you can't get any loans or more credit cards to help build your credit back up, within the next two years your credit history should be clear and it will be like starting over. Just don't mess it up next time. |
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Lisa A
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Good for you for working hard, and paying off all of your debts at a young age. You are setting yourself up well for the rest of your life.
Get a secured credit card. They are specifically designed for those with no or bad credit.
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great massacre
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Start by paying all your bills on time.If you still have credit cards that are being used, don't close them. Get the balances down to under 30% and do not apply for new credit cards, because each time an inquiry is made you lose 5 points or so on your credit score. Remember to keep paying your bills on time, it takes time to build up your FICO score, making it easier to get credit.
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jwooden21
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Credit counseling isn't bad, but if everything has been paid off then there's no reason. Now only time will 'heal' your credit situation. Go to http://www.myfico.com/CreditEducation/, they tell you exactly how to rebuild your credit now that you are starting new. Just make sure to be careful in the future and don't buy what you can't afford. |
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Matts_Girl
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If you've paid everything off, cleaning up your credit will be easy. First, get one of those dumb, over priced secured credit cards. Only use it a little each month and pay it off in full each month. After several months to a year, you will be able to get a real, lower priced credit card. But again, be careful and only use it a little, and pay it off each month. If you continue to do this you will repair your credit very soon and will have good credit again. Then when you're ready will be able to buy a house using a lower interest rate with good credit. Don't go out an buy a car on credit. That's the worst thing anyone can do for their credit. Cars are expensive and lose value as soon as they are purchased. Save up and buy a decent used car without having a car loan. You'll be soooo glad you did!! |
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dvwrg
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It is good you paid everything off.
Bad credit usually stays on your credit report for 7 years.
Usually you can get credit after 6 months ,but it will be difficult to get , and you credit limits will be low , and you interest will be outrasiouly high.
The more time that passes the easier it will be for you to get credit , and bigger credit lines , and lower interest rates , this is not going to happen overnight though , it will take some time to get better credit scores. |
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stephenweinstein
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Wait 7 years. Once on your credit report, debts can stay for that long, even if paid sooner. |
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tom4bucs
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there are over 1,700 items in your credit report
so if you did a major goof - may take 7 years for you to find favor again
If you have a credit card - charge a LITTLE on it
then pay it off in full before the due date
repeat next month - keep charging and paying to zero
don't apply for more than 1 credit app a month - makes you look desperate for credit
hold a steady job - don't change often
btw - if you have paid everything off - I think that's why you go to a service - so you have a great start already
all the best - keep up the good work
805 |
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annazzz1966
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If you paid everything down to zero, now only time will allow you to get a better credit score. |
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zambookigirl
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If you've paid everything off, your best bet is to get a secured credit card with a low amount like $500.00. Make small purchases and pay it off every month.
Time and steady payments on any kind of account large or small will gradually rebuild your credit. Car payments do especially well. |
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globalbpo1
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this site has articles on improving credit scores: www.creditscore.pro |
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areawiderem
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Give yourself time. Wait for awhile,and then apply for store cards. Respect them by paying regularly,and it won't take long! |
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mattt9998us
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there is no way around paying the over due bills. Many of them will accept less than the total amount you owe them. I would go to a not for profit credit counselor they will set up a monthly payment that will start to pay all the old debts, the only other option is declare bankruptcy but that stays on your credit for 7 years and under the new bankruptcy law you will still have to pay back a portion of your debts |
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CRAZYTNS
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watch tv and try to get that number lol its lik 555 something o.o **** ur screwed man i mean im almost 18 if u get an answer tell me i dont want to get mine ruined ! |
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