 Credit Cards with Bad credit? |
| I have a daughter who is very sick and we have so many medical bills we need to apply for a credit card but I have bad credit because of what is going on. Is there anything that I can do? I have ... |
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 My mother owes a Jcpennys $300. She lied to me telling me she owed nothing. I refuse to talk to her and decide |
d to let her handle her own stuff . I don't help with the house chores and stuff like that. I am 14 she is 42. Am I doing the right thing?
Additional Details
I try to give her my ... |
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 What does it mean to redeem a gift card? |
| ( i know this question is weird... just answer)... |
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 I used my parent's credit card! Help!? |
| I used my parent's credit card even though they said no! I'll pay them back later, but when they recieve a bill, is the name of what I purchased gonna be on there?... |
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 Fair Debt Collection Question...? |
| I have recieved 3 phone calls from a debt collector who is telling me that I need to contact him immediately because if I don't take action I won't like what will happen. Now, I'm ... |
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 What is the worst that can happen if I simply stop paying my credit cards and ignore the card company? |
| Will I get a CCJ, or will they simply go away and refuse to lend me money again? Or, will someone turn up at my door? Only sensible answers please!... |
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 Do debt collectors have the resources to trace people if they move from the uk to somewhere abroad like spain? |
| I Owe 500,000 pounds in bank loans ect one to natwest bank in uk if i move to spain but inform my family friends not inform the debt collectors if they phone what country i move to surly it will ... |
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| How much debt do you have? I have about $50,000, including a car loan and consumer. (not including mortgage)? |
| Please tell me what your total debt figure is and what does that debt include. (student loan, car loan, credit card, etc) I'm really curious as to what kind and how much debt others have in ... |
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 Paying by pay pal on ebay? |
| do you have to pay any fees to pay by ... |
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 I just recieved a letter from Financial Recovery Services trying to collect on a debt that ....? |
| ....that was written off by the original creditor five years ago. They are asking my to respond or this debt will be valid. What should I do? I know for a fact that this was written off, and I also ... |
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 Debt free!!!? |
I am one credit card away from being consumer debt free!!
Can you congatulate me? You can share your personal experiences as well..
Thank you Thank you!... |
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 Is it really necessary to get a credit card to build credit? |
Neither my boyfriend or I have credit cards. We're both still in college, years from now, we'll eventually need to buy a house.
I've always heard that you HAVE to get a ... |
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 I have a twelve year judgement on a truck I had to give back.A lawyer is bugging me for the money.? |
| Is their a form or letter to get out of this. The lawyer has ask the court for my information of my work and bank account. This is 12 years old. I know I have a judgememt. is stature of limitation on ... |
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 My credit is 598 52 points from 650 who do i get it up there? |
My credit report score is 598 and 650 is good credit how do i get my credit to that number i have $7,769 debt on my credit report and that is various of debt not just one big lumb sum.
A... |
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 Does it look bad if you cancel a credit card after paying it off? |
| Im slowly climbing out of debt. But after I pay a card off, I find an excuse to use it again. I think that canceling each card after paying it off is the way to go, but my wife says it looks bad on ... |
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 I owe 100k credit card debt and i make 7000/month how i can pay off my debt with all this 29-35% interest rate |
| my debt is $100,000 and i want to pay it off all but i keep on falling behind because of all these late fees,very high interest rates on credit cards,my scores fall to 585.i can not be approved any ... |
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angelavizzi | Is 687 a good credit score for a 20 year old? |
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SPIFIMAN1
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It's about average.
FICO scores from 300 to 850 anything that calculates to less then 300 defaults to a 0.
Scores are based on the following factors;
1. Payment history 35%
2. Time in bureau 15%
3. Types of credit 10%
4. New credit 10%
5. Debt to credit ratio.
To have the best score and profile you will need 3 credit card accounts (revolving) with balances below 30% of your limits and 2 cars, boats, homes, computers, furniture or personal accounts (installment) all with good long pay history's. |
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lepr0kan
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It's a good score for someone so young and you'll easily obtain credit with it but it's not a great score overall. The average is about 680 but to get the best interest rates you'll need a score over 720. |
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★★★ Katharine ♥♥♥♥
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i got my sons credit up by adding him to MY old credit card as a user - he had to sign for it - and I have a great credit score - that way - it showed him as having a credit card that was paid on time for 12 years!
helped him out! |
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chris
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Yes, but do not acquire any more credit. And, do not close any accounts. Closing accounts bring your credit score down. Make sure you pay your bills on time. Only charge half of what your line of credit allows. Your credit score will go up. |
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Alex
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Yes. That's good. |
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Sarah M
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1. A FICO score can range from 300 to 850.
2. The national AVERAGE FICO is 678.
3. The MEDIAN American FICO score, however, is higher at 723.
Even middle school math made my eyes glaze over, so if you are anything like me it may help to have a refresher on the difference between "median" and "average" at this point.
"Median" means that half of all credit scores fall below 723 and half of all credit scores fall above 723.
However the "average" score is what you get if you add together every credit score in America, and then divide that total by the number of scores that were added.
Why is the median score of 723 higher than the average score of 678? The reason is because there are more really low scores between 300 and 723, than there are really high scores between 723 and 850. In fact, 60% of scores are between 650 and 799. Of the remaining 40% of scores, more are below 650 than are above 799.
4. Anything below 620 - 650 is considered a poor score. And remember - the lower you score, the higher the interest you are charged, assuming you can get credit in the first place.
5. There is nothing wrong with having a median score of 723. This is a good credit score and lenders will perceive you as unlikely to default and offer you a competitve interest rate.
6. A score of 770 and up is considered excellent and people with these scores get the very best deals. However, the advantage between having a score of 800 versus 700 is minor compared to the difference between having a score of 700 versus 600.
7. At below 550 you would be considered to have damaged credit and be in need of credit repair.
In short, aim to get above the median of 723 instead of the national FICO score average of 678, but don't sweat it. The average FICO score is still definitely good credit and enough for you to qualify for standard rates. |
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JickyJack
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Yeah, Not bad. |
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doanel
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Very good. Now don't mess it up by getting 10-15 credit cards. |
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Alvin
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pretty good i guess, max is 800 |
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MANDY LOU
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You know you haven't been out of high school that long.Yea,thats pretty good for someone your age.Keep it that way pay off your Credit Cards.are better yet don't ever get one. |
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