 My credit score went from 765 to 632. I have 2 hospital bills reported in collections. $953, and $480? |
What happened?
Additional Details
Is that really enough to make it drop so much, or should I check into this? Who would I call, the credit bureau? What is the FASTEST way to correct ... |
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 Need a Bad Credit Loan? |
| I am looking for a loan I have a poor credit score, looking for lenders that are willing to lend rather than waste time saying they do loans when they don't. If anybody has managed to get a ... |
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 How do you get an unsecured loan when you have EXTREMELY bad credit.? |
| I have tried prosper.com as I have seen suggested so many times on this site, but I was turned down. I need $3500 ASAP. I am desperate.... |
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 Terrible credit credit cards? |
My credit is not bad because I can't handle money, I have never had an account open in which I would receive credit if I paid on time or vice versa.
Two medical bills, small $10... |
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 My credit is about 650 and next year i want to refinance home? |
| i have a credit score of 650 got 1 credit card one small loan that will be paid by october and mortgege payment i want my score to be at 750 next year is it possible with these credits or should i ... |
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 I purchased a home for 360,000 paid 50k, down and I now owe 366K on it payments now 2700 a month, suggestions? |
| the lender will not lower the payments or the interest rate and the new appraisal on the home is 330,000. Any suggestions will help I can't afford the payments.... |
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 Credit card question for you folks that 'know better'!? |
| I have 2 credit cards with extremely high interest rates because of past mistakes.. one is for $500, the other for $700...they are nearly maxed out because with the interest I can't get ahead. W... |
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 If you default on your credit card debt, an unsecured debt, why can the bank garnish your salary? |
| I thought a credit card was an "unsecured" debt, meaning they are loaning you money not based on your assets, but on their assumption (based on their research into your history) that you ... |
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 I am 16 years old.? |
| I want to build up my credit , is there any thing that i can get to start building my credit? Like a credit card or a gas card? I would love to hear your answers !!... |
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 I am looking for a credit card for people with really bad credit.? |
| I have really bad credit but am in the process of turning it around and improving it. I am looking for a guaranteed approval credit card. One that doesn't have to have a deposit or where ... |
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 Help Bankruptcy!!!!? |
| Can someone help me out please? I am going to file bankruptcy on my truck and credit card that I have if I file bankruptcy is there anyway that I can keep the truck cause that is the only ... |
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 Question about paying off a credit card...? |
| I am planning to use some of my tax refund to pay off a credit card. One has a $460 balance through Care Credit, with a $500 limit, so I planned to just pay that off but keep the card open of course. ... |
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 Will anyone lend me $15,000? |
| Please do not answer if you don't have any solution. I'm trying to save my house. I'm in Central America.... |
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 My account was closed by HSBC and sent to debt collectors in around 2003. how will this effect my credit score |
| after some correspondence confusion my student hsbc account was sent to a debt collecting agency in around mid 2003. I have been aware that this has effected my credit rating when trying to get ... |
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BlackDahlia | Is a 7,000 credit card limit for a 21 year old good? |
Is that below average, above average, or just average? Just curious. Thanks.
Additional Details
Don't worry ppl- I'm great at managing money and very careful with my credit card. A year ago I got it, and the limit was 1,000. I only use it for things I know I will have the money for and pay it off right away. It's been increased several times, and since I work at a bank, unless I miss a payment or have a late one, my rate can never go above 9.99. |
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kbmoose1
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It is probably slightly above average ... and something you should use carefully and infrequently.
This country is in major trouble due to 'easy credit' and the abuse of credit by people who were never really taught the implications of credit card use / refinancing mortgages.
Read up on the roots of the 'Sub Prime Mortgage' problems. |
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Greywolf
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Limit doesn't matter. Rate and how frequently it's compounded matters. Sounds dangerous. Very very dangerous. What would you NEED for that price?
Is it over 12%? Does it work on a 21 day cycle? That's more frequently than a month.
EDIT:
If you're responsible and a good shopper who doesn't abuse credit, this credit card is good. It means you've demonstrated worthiness. I recommend taking advantage of credit reports if you really want to evaluate your status. Your score is the thing that determines interest rate, car and home loans, etc. Your payment history can make or break you. Keep up the good work! |
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Miss October 03
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its good but its dangerous! cut that thing up ASAP. TRust me |
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geminigirl
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wow that's a lot of credit be careful |
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F C
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That's good for a 21 year old. Don't cancel the card- it gives you "available credit", which increases your credit rating. Just use it occasionally, and always pay the full balance when you get the statement. You're on your way to an excellent credit rating. |
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dottielasvegas
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Yes !! Especially right now !!!! |
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terry
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No! it is not good! close the account and cut up the card! |
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TALALEI L
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I THINK ANY LIMIT ON A CREDIT CARD IS DANGEROUS I THINK IF YOU HAVENT GOT THE CASH THEN DONT BUY THOSE PLASTIC THING IS JUST A WAY TO TRAP PEOPLE AND THEY END UP PAYING A LIFE TIME DEBT |
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CrackBerry Addict
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It depends on how you use it. Even a $300 limit can cause problems if not managed properly. |
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Xo_cutie09_xo
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yeah BUT it is dangerous cause if you loose your wallet or card, your done. if someone steals it, thats worse |
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