 How do I protect my unborn child's credit from his irresponsible dad and grandad who have the same full name? |
| My husband John Smith II had his credit ruined by his father John Smith I. I am pregnant with a boy now and want to name him John Smith III but don't want the same thing to happen to my child. ... |
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 I need help in payday cash advance loan, plz? |
| I need some cash advance for emergency, somebody tells me a loan company that can lend me money like hundreds pounds??... |
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 BANK OF AMERICA check? |
my aunt in another state sent me a check in the mail for 1000 well....
i dont have a bank account and dont wanna start one quite yet, is there any other way to cash it?
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 Has anyone tried freecreditreport.com? |
| Just wondering if they are legit or if they will steal my personal info or sell it.... |
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 ARE there any real online lenders out there that give loans to people with poor credit? |
| Jeff Norerts? does anyone have anything on him? I got scammed once and i wont again but I need a loan immediately my life depends on it. If anyone can help me please do. If any of you scammers write ... |
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 Credit disputes question? |
I know this sound's bad, but can you dispute acounts on your credit if it's realy your bill, and if so what is the best way to do so?
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THIS IS TO THE ONE WHO&#... |
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| What credit card should I get? I just turned 18 & I'm in high school, but want to get some credit history... |
| I'm not sure what credit card I should get. I want to get some rewards like rebates on gas, but since I've never had a credit card before I would probably not get accepted (or not?). Does ... |
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 Credit cards? |
| anybody know any websites where i could apply for a credit card with a poor credit rating?... |
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 $1600 Credit Card Debt.... help please? |
Alright, so I've been bad with my credit since the beginning of my last relationship. Brainfart.
Anyways, so my credit is fairly bad and I really want to get myself out of debt but ... |
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 Getting paid? |
| If our company gets paid on the 15th and last of the month. When those days fall on a weekend we get paid that friday....so if new years eve is a holiday and falls on a monday do i get paid on the 28... |
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 If i leave the country with debts can i still be chased abroad. can i leave debts here and start fresh.? |
| I was left with debts when my business failed two years ago. my ex buisiness partner hasn't paid any of the debts but we're jointly and severably liable. I have the opportunity to leave ... |
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 I never had a credit card.? |
| I never had a credit card but I need to get one for emergency use only. Every time I apply for one I am denied. I dont think I have any credit history. Can someone tell me what site will approve me ... |
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 What credit card is the best for a first time credit card? |
| I'm am going to be applying for my first credit card. I will be working for a family member and I will be shipping stuff via fedex. I can use my bank card but I want to start building credit, ... |
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 Bankrupt! Need a debit card!? |
| I know a friend who was declared bankrupt 5 months ago, and he would really like a debit card for shopping online etc. Do u know of any banks that would issue one?? P.s not concerned about overdraft ... |
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 Why does PayPal require a Social Security # to receive more then $500 a month? |
| I love paypal for it's convieniance but why is it that they require a SS # to get your money out if it's more then $500 a month?... |
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 Why do credit card companies give out rewards? |
Is it because more people are likely to get into debt, or because those companies want to dominate financial transactions?
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Please, look at this from the perspective of ... |
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haider s | Is closing a credit card account bad on your credit card report? |
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ken erestu
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Generally, no. But it also depends on several other factors such as, debt to income ratio, work history, whether you have other cards, the amount of debt on other accounts, etc.
The above-listed factors are used to create your FICO score.
Hope this helps. |
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Irish
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No, not at all. |
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Gary
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No. Usually two and three credit accounts is enough for most people. |
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My Name Is Ken
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If it is paid off, no.
Having too many open credit card accounts is negative on your credit report. |
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datchik
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sad but true...its best to keep it open...just dont use the card as much....hopefully, you dont have a maintenance fee because you will have to continue making monthly payments, but if you dont have a maintenance fee, then you can keep the card open and not pay any monthly fees if your balance is zero. the credit system is designed to trap you and keep you sucked in. if you have no credit, you have bad credit, well, if you get a credit card, you boost your credit score, then if you decide to close it, then you hurt your credit score. you're damned if you do, and you're damned if you dont |
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casw1
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I would advice paying it off but leave it open. One of the things creditors look for is how much credit you have available (meaning that you have options but don't need to use them). |
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bdancer222
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A big part of your credit score is the debt to available credit line ratio. When you close a credit card, you lower the available credit line, thus your debt ratio increases and this will lower your score.
Also, if the account is one you've had for a long time, you lose the history which also hurts your score.
Personally, I think it's stupid to keep credit card account open just for the sake of having a pile of credit cards. You have to monitor and secure them. Just too many chances for problems.
I suggest you keep 2 of your oldest major credit cards that do not have an annual fee. Close store or gas charge cards unless you have some specific reason for keeping them.
Of course, only charge what you can pay off in full each month. Save on interest and stay out of debt. |
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johnhenry_59
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Not necessarily, but even better is to pay off the balance and NOT use the card. Having available credit and not using it reflect positively on your report. |
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emmita91
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if its payed off no problem, actualy it will leave you good reputation and other banks will trust you. but if you owe them, you probably get black listed, and will not be allowed to use any banks for about 10 years or until you pay your bill... |
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DE' L' EAT ME
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It isn't a good idea if you don't have any other form of credit at all.
Case in point. My father went to make a purchase and they denied him the loan because they said he had no credit. They meant that literally because he had no credit card to his name.
The best thing to do is pay off your credit card(s) and keep at least one available. Nothing can happen except good by you keeping it... unless your hiding something or you are addicted to it. |
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scheduling_pro
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It depends on who closes it. If your lender closed the account for non-payment, then yes this could hurt you. If you choose to close it, think about how much credit you have. Lenders look at how much credit you have available. If you don't have enough credit available, it can make you less likely to get more credit. However, if you already have 10 cards open a lender may see you as having too much credit (and also too much potential for debt.). |
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