 Is it legal that a car financing co. calls on Sunday? |
| I made arrangements to split my payment between 2 weeks and within my 10 day grace period. They called 2 days later on Sunday, Christmas Eve, at 7:30. I have already post dated a check for the ... |
|
 Anonymous Prepaid Credit card? |
| So... I want a prepaid credit card which i can get in a different name and address. It's because i was suspended from Ebay, totally unfairly (I did nothing wrong!) but i need to get back onto it ... |
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 I have been given a court date for possession - i have offered a payment plan but it has been declined by the? |
lender.
What i can i do so i don t lose my home - i dont want to take out loans remortgages etc. Can i get someone to represent me ??? where i go for free advice ??? sensible people only ... |
|
 NEVER notified of a wage garnishment and now they take 25% of my check.. What can I do? |
| I just got my check a little bit ago and can't talk to anyone at work about it untill in the morning...... Like the title said I received zero notice from anyone at my work or from a court or ... |
|
 Can't pay interest on credit cards - what happens if I don't? |
| I have debt so extreme now that I can't pay the interest on my credit card bills. I used to have excellent credit (780!) two years ago, and then my life fell apart - husband trouble. What will ... |
|
 Credit card application declined, does that go on my credit file? |
| I applied for a credit card with a bank it was declined I want to go through another bank with a slightly different application ;) would the other bank be aware that I have recently be declined by ... |
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 I just turned 18 and want to apply for a credit card, i have no credit history, what do i do? |
| I have applied for discover and have gotten turned down and also a visa from bank of america and am still waiting.what would you recommend i do?... |
|
 In U.K got letter saying I have a bank charge to be paid by certain date, thought they were illegal now? |
| shall I pay and contest it later or not pay it? If I don't pay it will they try and tack on another charge?... |
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 Best Credit Card ?? |
I am living in Mumbai. Can u give me a comparison of different credit cards...in terms of their...
1. registration & maintenance charges.
2. cash back details
3. their reliability<... |
|
 I started out early in life no knowing how important good credit was.Can I ever recover from bad credit? |
| In my twenties I got things on credit and really didn't care if they were paid or not.Now that I'm in my late thirties I feel the need to improve and really have things that I need.I was ... |
|
 Advice on consolidationg credit cards? |
| I'm seriously thinking about consolidating my credit cards. This would be my first time and there are so many options as far as which bank to go to. Does anyone have any advice?... |
|
 How can I get a good used car with poor cerdit.? |
| I was not tought how to maintain good credit. So I have made mistakes with poor judgement. Now in my time of need I don't know what to do. Help, I'm a single mother of two who really ... |
|
 Dose inquiries effect your credit score? |
And How can you find a web site for free credit score without adding a credit card or have to pay?
Additional Details
Does not dose, Sorry for spelling.....LOL... |
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 I think I'm being ripped off? |
| Hey does anyone know if it's legal for a collections agency to double the amount of a past due balance? I just found out that a relative didn't pay a cell phone bill I got for them in my ... |
|
 Would you like being a cashless society? |
Your money is now a credit accessed electronically everywhere you want or need to spend. Would you like it better? We are heading that direction.
Additional Details
wow, I was just ... |
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 Can a 14 years old boy can already get a credit card??? |
| can a 14 years old boy can already get a credit card like VISA, MASTERCARD and others...... |
|
 What is the difference between secure and unsecured credit? |
| I hear about it all the time but really don't know the difference between the two. Could you also give some examples of both? Thanks for the help!... |
|
 Advice on establishing credit? |
| I'll be 19 years old come May. I am a freshman in college and I have about $11,000 in the bank in stocks and other areas. It's making me some nice interest. My current job brings me about $7... |
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lc juicey l | Is 513 a bad credit score? |
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nebula7693
|
It isn't a great score, but I have seen many that were worse by far. But they took action and fixed their credit, organized their bills, and modified their lifestyles. Now they are living large.
But seriously, if you are not happy with that score, it is within your power to change it. There are several ways to go about it, and you will undoubtedly read many people's opinions about how to go about it. But when it comes right down to it, you have to discipline yourself to do what you know you need to do.
If you have any questions regarding your credit concerns, you may contact me at nebula7693@yahoo.com |
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Rose T
 |
It is better than mine was before I underwent a credit restoration. I started out with a 498 and now six months later I am at 634. I used a company out of Oregon (even though I am in Texas) and they worked wonders. Here is their web address:
http://www.nwbusinessadvisors.com
Try them. They are good. |
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Deanna
|
it is not a good one. But it is certainly repairable. Its a good starting point. At least you went through the trouble of finding out your score. You have a head start on most people with a 513. Good luck to you. You may want to send an email to that answerer that is willing to give more advice. |
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onestepbeyond
|
you can bring it up! Dont be to discouraged. |
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sugar_n_spice
|
Don't worry...mine is ALOT worse! |
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Luis C
 |
Is not a good one but you can raise your score !
Try this option and good luck !!!!!
PIGGYBACKING: Despite its' virtually
unlimited potential, piggybacking is
not used by nearly as many consumers as
it should be. It's easy, effective,
and extremely fast. Unfortunately,
it's mostly used among parents and
siblings while those who can really
benefit stay in the dark.
How it works. Almost every credit
card or credit account will allow the
primary account holder to add on (at a
later date) what's known as an
"Authorized User" or "Secondary Account
Holder". In most cases, when this is
done, the entire account history
(retroactively) gets posted to the
authorized users credit report
regardless of their current age or
credit history!
For example. If it's a credit card
with a $10,000 limit which has been
paid as agreed for the last 10 years,
then that complete history will be
posted to the authorized users' credit
report. I once saw a clients' credit
report who used this technique with his
mother. He was only 24 at the time and
he had a $15,000 Gold credit card on
his report with history going back 11
years! I laughed as I thought to
myself that this kid would have had to
be approved when he was 13 years old
for this account to be his!
As you can see, this strategy is
usually only used by parents and their
children and in most cases with no
regard to the benefits the children are
reaping credit wise! In fact, in
recent years, due to its'
effectiveness, this technique has led
individuals with excellent credit
scores to "rent out" authorized user
accounts on one or even multiple credit
cards in return for a fee! I once
recall seeing an ad in USA TODAY for
just such an opportunity. Like most
good credit loopholes, I'm sure this
methods' days are numbered much like
what may be the case with...
For more information on the CREDIT
SECRETS BIBLE you may visit:
http://gaby1221.niesong.hop.clickbank.net |
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Marko
|
Yes, it's a bad score. Generally, below about 620 is when lenders really start charging significantly higher interest rates because you're considered a high risk.
However, it's really important to understand why your score is low. Get a copy of your credit report from all three major credit reporting agencies, and take the time to go through each one. They'll provide you with the top few reasons for your low score. Assuming no more bad credit moves on your part, the simple passage of time is going to be the biggest part of improving your score. But there will be a few other things you can do - well worth your time to research a bit. Good luck to you. |
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k_reile
|
yes |
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QandA
|
yes it is a bad score, sorry. |
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DaMan
 |
This website gives you the range and the breakdown.
10 pts please. |
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Ron
 |
It's horrific. |
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