 So how do I get a credit card ? (read details)? |
I applied for a Visa Credit card... It was declined...
The reason given to me was that I don't have credit. (not that I have bad credit, I basically have no credit rating, thats why I ... |
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 Credit report information? |
| Okay, I checked my credit report today after about 6 months of hearing the same deal before - I only have a couple of open accounts but I've never been late or gone over my limits on any. My ... |
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 My credit card got overpaid and I need to get my money back? |
| By some clerical error one of my credit cards got overpaid by a thousand dollars! I ended up way overdrawn on my account because of this and my bank is assessing me a lot of fees, plus my other bills ... |
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 I have bad credit what should i do? |
| I have some medical bills that i cannot afford to pay...not even a minimum payment on most of them...but i would really like to build my credit...is there a more strategic way to pay them off? or ... |
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 Do you need to get paypal plus credit card to buy things online? |
do you have to sign up for pay-pal plus credit card to buy things online? or can you just sign up and buy things already?
Additional Details
do you have to sign up for pay-pal plus ... |
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 How do I send a message to the people in India on how banks cheat the common eople? |
Like to share something that happened to me today, I went to Icici atm to withdraw some cash I was astonished to learn that the balance was nil.
Icici bank had taken the whole balance from my ... |
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 Is it wise for me to get another credit card? |
| I'm a 23 year old college student. I currently have one card with a limit of $3000 and a balance of about $500 (which I am paying $100 every month to pay off). My aunt mentioned that I might ... |
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 What Credit cards should I close to maximize my score? |
I just paid off all of my credit cards and now I'm left with the following cards all with zero balances (I know it's a lot, sorry):
Card Date Opened C... |
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 Do you think we should stop making pennies??? |
Additional Details
tell me why you said what you ... |
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 My sister used my credit card without permission. Over 15,000. She is making monthly payments.? |
| If I report the unauthorized charges to Chase what will they do to her? She is making the monthly payment, and plans to pay it all off. Will Chase still press charges against her if she is willing to ... |
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 Had anyone hear of this loan company? |
| Hi,has anyone heard of a loan company called walker hammond,i applies for a loan from them but they said i had been accepted but needed a fee of £39.99....can anyone give me anysort of advise of ... |
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 Doctor's bill from the past!? |
| I received a letter of demand from the on-call doctor for my hospital stay almost 4 years ago. I was admitted for chest pain and irregular heartbeat. I felt 'Doc Q' was incompetent: S... |
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 Is having 5-6 credit cards bad for your credit score? |
| I heard that having too many credit cards was bad for your credit. If I have 4 Store Credit Cards and 1 Visa Card and am planning to get another FINAL major credit card...is that too much?... |
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 Is it a wise decision to use student loans to pay off credit cards? |
| I have no undergraduate loans at all and want to pay off my credit cards instead. I hope to pay off the student loans I use to pay off my credit cards before I graduate since I know I won't be ... |
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 Can I get credit card in a small town of Karnataka? |
| I wanted to have a credit card to set up an online business. But being in a small town place, I found out that it is not possible to have a credit card. Can I get one? If no, then can I have credit ... |
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Mike P | Is it true that "piggybacking" will be no more, as of next month? |
I have a fico of around 620. My dad has agreed to add me to some of his accounts to "piggyback" (is that the term for it)?
Additional Details
Piggybacking is what I've read to be when someone adds you as an authorized user to their account. It shows on your credit report as yours.. so their good credit is added to your credit report. |
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je094
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If you're an authorized user on an account, it may show up on your credit report, but it is not supposed to affect your credit score since it's not technically your account. |
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Noah_Bodie
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New FICO scoring changes will be implemented by one of the credit bureaus in September. There is speculation it will be Experian. The other two bureaus will implement the change in early 2008.
You can still become an authorized user (AU) and still benefit from it on 2 of your 3 credit reports before 2008. You need to ensure the lender will report your AU status to the credit bureaus. If they will, you can benefit from it for a few months, and if you then apply for a credit card in your name that will continue to help you after the AU benefit "expires". |
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redtulipbug
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Yes, I have been reading up on this as well. Talk to the bank to see if it has already happened. If it has, then your dad can't help you. If it hasn't, then hurry up to take advantage! |
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cpaige517
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I own a credit repair agency and sadly the good old days are gone. Can you increase your credit score from piggy backing?That used to be the case. The Fair Issac Corporation is putting a stop to the benefits of piggy backing on someone else's credit. In about a month, your FICO score will not benefit from being an authorize user on another's person's account. Including mom and dad. Mortgage fraud and credit card fraud is what influenced The Fair Issac Corporation when it came to making this decision. To answer your question, you would have benefited a few months ago, but not anymore. And yes, as of next month piggy backing is no more. Oh, by the way, Experian, TransUnion, and Equifax will all be changing at the same time since Fair Issac is the owner of the entire system that is used to calculate your score you are going to see the effect with all the bureaus, not just one out of the three. Sorry, but according to some research I did today, the whole piggyback- y2k is suppose to be in affect as of Sept. 1 across the board. |
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jinglebing3
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Yes, it is soon to end. Apparently, you could purchase via certain websites piggybacking on someone's credit. Cost you about $3000 to raise your score by about 150 points. Not bad considering it could save you hundreds of thousands of dollars |
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stvo438
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yea i heard that too and it is true so you better tell you dad and fast |
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Jeff H
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I have not heard of it ending anytime soon. That means that I do not know the answer to that part of your question.
I run errands for my elderly parents. I have two credit cards as an authorized user. Both credit cards DO appear on my credit report and impact my credit score.
My Mom has one of my credit cards in case I need something from the place she is shopping. ( i.e printer ink for a great price.) The same applies to her credit report. My one card that she has as an authorized user reflects on her credit report.
What drives me batty is the credit bureaus often list my home address to be the same as theirs. Right now my credit report rotates about 4 mailing addresses depending on which credit card company made a report last. |
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Rachel
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You're talking about accounts... bank accounts I'm assuming... as far as I know "piggybacking" is giving a child a ride on your back.... |
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Tommy T
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your confused. when your daddy said "piggybacking" he was talking about a game that only he and mommy can play |
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Beautifully Confused
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I have no idea what your even talking about.... |
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