 Is this a scam? |
Hello ,
Thanks for your response,am ok with the price and the conditions..I would have love to come and look at it its just that time wont permit me cos am a very busy person..I will be ... |
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 What do you do if credit card company gives out your information? |
| One of my credit card companies has been calling the wrong number (my parents house) and giving out all of my info to them from how much i owe to the account number and pretty much eveything else. My ... |
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 Is it right to allow a female to have a credit card in her husbands name? |
I await the replies in my bunker
Additional Details
In answer to whats a bunker it's something Hitler died in sheltering from the ... |
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 Why can't I get a credit card? I need to start building my credit somehow!? |
| Every time I apply for a credit card I get turned down. Not because I have bad credit history and not because I don't have the money to pay my bills .... BUT ... because I don't have any ... |
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 How much do you owe on Credit Cards? |
| How many people on here have credit cards? And how much in total do you owe on credit cards? My husband got angry because we owe 4,200.00 in credit cards from our honeymoon...How much are you in debt?... |
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 Does adding an authorized user to my credit card account help their credit and/or mine or no ones? |
Additional Details
I know I have to pay and I am responsible, but I was considering this for my bf (he lives in another state) but I was going to let him have access to it when he is ... |
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 I have no credit, what credit card should I get? |
| I want to start building up my credit, I'm 21 and I have none. I was thinking of getting a Kohl's department store charge. They have great deals on clearance clothes there, and with the ... |
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 My Credit Report is incorrect. How do I go about fixing the discrepencies that are on it? |
| There are a few things on my credit report which were taken care of in 2003. Anyone know what I need to do to fix this?... |
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 Should I pay everything on my credit report at once? |
| I have about 3547 to pay off my credit(most are student loans) I have the money to pay them off. But Would it be better to start making monthly payments or just pay it off at once. I am trying to do ... |
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 Have you ever had a credit limit increase on a capital one credit card? |
| i near enough clear my bill each month and have had the card for 2 years yet never been offered an ... |
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 My bank has unfairly ruined my credit score, how long will it take to sort ou?? |
| I have a graduate account with an interest free overdraft. I have to pay the overdraft back by this May. There was nothing in the contract which stated I had to pay any money into my account prior to ... |
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 How do I get out of debt? |
| I have gotten myself into quite a lot of debt. I cannot afford my credit card payments--they are so high. I have done this before, and ended up refinancing my home, You think I would've ... |
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 I want a credit card.? |
Don't tell me not to get one... I don't want to hear it.
What's the best credit card to get, one that's easy to get and you don't have to have a bank account to ... |
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 Which credit accounts to close? |
My husband has 6 open.
I am thinking of closing the sub-prime ones he has because they charge monthly fees, and fees to use online bill-pay. He has had one called "Credit One Bank&... |
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 I ordered something off a website. my mom got mad and charged back credit card after it shipped. what happens? |
| on herbalhighs.com i ordered around $200 worth of things. they all shipped and right after they shipped the fraud department called my mom because of all the charges. My mom got very mad about all of ... |
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 Does it hurt your credit score when canceling credit cards? |
| I have no debt on any of the 3 credit cards and I have no use for them so I wanted to cancel them and open just one card, basically centralizing my credit cards. But when asking if it would hurt my ... |
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 What do you do with unwanted mail solitications? |
| Sometime I just send back their return envelope empty. Let these credit card and insurance companies pay for the return postage.... |
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Megan D | Is no credit better than bad credit? |
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Like2know
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no.. absolutly no....
no credit it is that non-existent... bad credit you can repair....
but for no credit , you are NO-ONE.
see more tips here: icebergtips com under credit |
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gabriel s
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Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://debtconsolidation5.atspace.com/debtconsolidation/debt_consolidation.html
if it helps kindly remember me in your voting!.. cheers! |
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robocop48
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Yes. |
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coreys1247
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Yes but both are bad.
Great article on building credit = http://www.expert-credit-advice.com/building_credit.htm |
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elenanita
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No credit is better. Even if you have no credit, you can still establish a "non-traditional" credit history. Your utility bills, cell phone bills, and anything else that you pay month by month will help you. Just make sure your pay them on time. I just processed a mortgage loan for a guy who had never had any traditional credit. He now owns a home and still got a pretty good rate. Do no mess your credit up. It is better to have none. |
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la chica sexy
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Generally, yes. The way I see it, if you have no credit you can just establish credit for about a year with a credit card. Banks will give you a credit card to start out with. If you have bad credit, it stays on your report for 7 years, even if you pay it off later. |
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Inquisitive1
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Yes, because you can have someone put you on their credit card as an authorized user ONLY and the next billing cycle you will be reported with the credit history of the card holder that added you. An authorized user is not liable for the money due on the card and can be removed from your credit report if the card holder has financial problems. An authorized user is just autorized to use the card. If you choose to have someone add you as authorized their are 3 things you want to verify first:
1. They have not been late in the last 24 months
2. They are not over 50% of the highest amount ever charged
3. They have had the card for 24 months or more (best at 24 months) Do not have yourself added to any account whereby it is 10 months old or less.
Bad credit is a different animal. Bad credit can follow you around and may not depict your real creditworthiness. If balances are due you would have to pay them, and when you pay off a bad account it brings your credit score down even worse. Because now you have new data posted to your credit report that is still negative regardless if you are paying it off or not.
Hope that helps! |
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Sugarshots
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No. They approach you as if they can't trust you. |
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jynxx25
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You have to ask yourself what you hate more. With bad credit, you either face higher interest rates and higher fees with lousy credit company. In addition, those credit offers that tend to flood people with bad credit will take advantage of you and your finances. You will also have a harder time finding loans and other financing options.
With no credit, you have to find a credit company. The process can be cumbersome. There are companies that are more lenient to first time credit customers like Capital One. However, just like a person with bad credit there are lousy companies that take advantage of you and your finances.
Both are bad, but I rather start with nothing and slowly build up. Building or rebuilding credit takes time and patience. It is better to build from a neutral position than a negative one. |
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Sunshine
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Yes I guess so but not much better. You need to establish credit even if all you do is apply for a gas station credit card. Charge your gas every month to that card and then pay balance in full every month. After three or four months, you will have established credit |
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truth4u
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yes! no credit means they dont have enough info to determine whether u will or wont pay..bad credit gives them the impression that u will not pay..its much easier to build credit than it is to clear up bad credit then start from scratch and try to build good credit on top of that...to put it plainly..right now u are starting from scratch..hope this helps!! |
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armywife32903
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Yes its better, but they still treat you the same as if you have bad credit. Best thing to do is go to the local Friedman's jewelry store a open an account to get your credit started. Of course you have to buy something, tell them you want to open an account. Buy a simple necklace, bracket, for like $30. You will pay like $6 a month or something like that for it. You can also apply for a basic gas store card but they are likely to also so no b/c of lack of credit. Ask a parent or someone with good credit to open a department store card. If they are "if-ey" you could allow them to hold the card for a few month to get your own credit rolling. ~Good Luck~ You also could look for a secured card but its sorta a waste of money, but if it your only option then I think its worth it. You would basically get like a 200 limit and $150 secured. THey would charge that to the card to start with a you would start making payments on it. Kinda sucks but if you must you must. |
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man_of_mustard
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yes |
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