 Fixing bad credit? |
| I am not looking for any "miracle cures", I am willing to pay what I owe. What I want to know is when I am negotiating with creditors, there is a certain WAY that they can clear the debt ... |
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 Which is the best credit card in the whole world??? |
Additional Details
Write the reason for ur answer and abt me i live in INDIA and frequently fly abroad..!!!!... |
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 My credit score? |
| My credit score is 574, I only had one credit card and was late on the payments a few months in a row but now i've totally payed it off and they revoked the credit so I don't have any. I ... |
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 Canadian Loan Group? |
| July 27, 2007. Has anybody gotten ahold of anybody in that office? I have been trying for three days to get in touch with them. I have had no luck. If you try them right at 9:00 am their ... |
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 Do you think credit card debt judgement consider a crime? |
| Will I be consider having a criminal record if I am slap with a credit card judgement by a law firm representing my credit card company? And if the balance is around $550. I have never ever been ... |
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 What do you think about getting a department store credit card? |
| I won;t get one, but i was just wondering. If you know more info on them then please tell me.... |
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 Looking for a payday loan that doesn't lie about guaranteed approvals? |
| I always get e-mails about paydayloans being guaranteed. When I go and fill out all of the forms they always say I'm sorry we cannot approve you loan at this time. These sites should not be ... |
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 What is a good debit card for teens? |
Visa buxx is an example. The only problem is none of them are my bank and I want one for my daughter. Please help. Iwant to present it to her asap for her 16 bday
Additional Details
It ... |
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 Does applying for a Credit Card affect your credit score? |
| I'm 19 years old. Never had a credit card. I've had a couple overdrafts from my checking account (which was the stores fault, not mine but I have no way to prove it to the bank). My ... |
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 I need an unsecured personal loan asap. Who can help? |
| Regular loan companies require a minimum stay of 3 yrs in the uk. I have only be living here for 9 months. I do have an permanent job and a good income but have no credit history. Who can help?... |
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 Credit card balance/credit question? |
| when a credit card company says your current balance is 336.66 and your available credit is zero.. can u spendthat 336.66 or sense your credit is zero can you spend anything?... |
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 Have you curtailed spending because of the credit crunch? |
| and can any one honestly say that they are not affected in some way or ... |
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 I am in total debt! I have a collection agency hounding me and I need to know what my best solutions are!!? |
| Im in debt between 5,000-7,000. (Don't Judge me I made a mistake!) Now they are tripping me out and I am approved for a loan from school that I will be getting after the holidays but I am scared ... |
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 How do I get out of credit card debt? |
| I am 28 yrs old and have $7,000 worth of credit card debt. I am a teacher and make about 2,100 a month. I have a car note of 565.00 per month for another 3yrs. I have a cell phone bill of about 120... |
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 Being harrased by another persons credit collectors? |
| ive had my cell phone line for about 5 years now all the sudden ive been getting debit collection calls for another person im getting 1-2 calls a day its very irritating not to mention im paying for ... |
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honey | Is it bad to have a high credit limit? |
I want to increase my credit rating, so I have been putting small purchases like trips to the grocery store on my card. I pay it off every month. I have had this card for over five years, and have never missed a payment. My limit has been slowly increased over the years and is now $5,000, but my balance is never over $500.
Do creditors veiw you as a high risk if you have a high limit on your card? |
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Tammy
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No. In fact, credit card companies that have better incentives and low to no interest are looking for applicants that can maintain in good standings when trusted with high credit limits.
I recently applied for a credit card that required I already be in good standings with another credit card company having a minimum $10,000 credit limit on my card. However, I also keep one card with the lowest minimum ($300) for my riskier purchases (online transactions and such) so that if the number gets stolen the thief won't get more than $300 in goods and I will be alerted sooner. |
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alfredtwyman
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credit limit is good to have for emergencies, but not for crap that you don't.
If you kee doing what your doing you will be golden...just don't fall into the pit they are trying to dig for you.
They want you to spend more money and pay minimum payment forever in order to keep you contributing to thier payroll.....flip it on them and keep paying off the bill, and buying chewing gum with it. |
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Stewie
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No a high limit doesn't hurt you. The ratio of debt to available credit is the main thing to worry about there. You are doing great in that area. The fact that you have had it for several years and have been paying it on time (right?) will also boost your credit rating. |
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Iron m
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To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score<!--you'll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing.
http://badcredits.awardspace.com/creditscore.htm
In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports-->you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs. |
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Meredith C
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Normally it isn't the LIMIT that puts you at rish for a lower credit score; it is how MUCH of your limit you actually use and keep a balance on.
i.e. if you have a $5,000 limit and you are pretty much always over a $4,000 limit without ever really paying it off, that might lower your score.
There are a lot of factors that go into your credit score, the number of credit cards you have, what percentage of credit you are actually using (keeping a balance on), late payments, loans, collections accounts, etc. |
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robert43041
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Only if you don't pay what is due: if you don't, you're in debt and that's a no-no |
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greffy
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In my experience I would say that is doubtful, however, when I think about it I have about 5 credit cards and none of them have over a $10,000 limit.
Maybe another poster will prove me a liar? ;)
Check out Wahm Search Engine
http://www.wahmsearchengine.com |
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bill d
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go to freecreditreports.com , you will have access to your credit report for 30 days free, but you will need to cancel within that 30 days or after that they will start charging your credit card for their service, my wife in her name only has a visa card with a $40000 limit |
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