 Is there anyway I can get a credit card with bad credit and no money? |
| I'm trying to get goverment grants and home business starter kits but they all require credit cards and i don't have one.Does this mean I should just give up?... |
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 Credit card question...? |
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| I have missed 1 1/2 payments on my car lease agreement. I intend on doing a voluntary repo at the end of the month. However, I have given a written request for them not to contact me at work and ... |
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 Credit ratings? |
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Little Hulk | Is it better to pay a small loan off right away, or over time? |
I have a small secured loan to build my credit. The payment term is over 2 years. Is it better to pay it off early, or over the course of time to build your credit score? |
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CactusFlower
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I would pay it off early and save yourself the interest. |
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Helmut
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If you got the loan to build your credit, stick to your payment schedule. If you want to save money and build your net worth, pay it off now and invest the payments in a 401k or IRA. |
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helioal
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If the purpose of the loan is to build your credit, then making monthly payments ON TIME is the way to go. |
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bianca
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time and paying your loan on time building your credit, so don't pay early. |
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Roxy
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if you want to build pay over time but pay more than the minimum payment each month it looks better |
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MOM KNOWS EVERYTHING
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If you're trying to build credit, the best thing to do is to make timely regular payments for at least one year before paying off the balance. |
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Star G
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Pay it off early, but not more than a year early. In order to build credit you should have the account for at least a year. |
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Viv
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I am in the process of rebuilding my credit and was told by a professional in the business the other day that to build your credit score back up, it is best to "show payment history" and in order to do that, you do NOT pay it off right away, but of course, make your payments ON TIME.
Is this a loan that you have or a secured credit card? If a credit card, I was told to carry a balance less than 50% of the limit (in order to build credit), purchase something like gas or groceries, it is best to pay more than the minimum due, but not to pay it all at once. I was told to pay the remaining balance (if the gas or groceries is the only thing you put on it) when the next statement comes. Then repeat.
If you have a loan rather than a credit card, I would think the same thing on the payments, which is to pay more than the minimum due. However, some loans are set up with a penalization fee if you pay it off early. So you will want to check on that. You might also contact the company you got the loan from. They should be able to tell you the best way to go about it in order to help your credit the most.
I hope this helps and I hope you build your credit score up so you can get whatever your hear desires. God Bless! |
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ken
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to build your credit is score you should it off a little early. if it is a 2 year loan, pay it off in 18 months or so. paying ot off too soon can cause it to not get applied to your credit report |
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treacle
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Pay it off early!! As much as you can each month until the balance is cleared!! |
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