 I wrote an entire book of bad checks up to $400 each. Where can I go for help financially? |
| I have a job. But it looks like I will need nearly $5000 to pay for my mistakes, and much sooner then I can come up with it. Does anyone know of a service that will help me with this? I have awful ... |
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 My Mom used my name and ss# to open credit cards...ADVICE PLEASE!!!? |
| When I was little my mother had TERRIBLE credit (no fault of her own - she cosigned for my dad and he left and never paid the bills) - so she opened up credit cards in my name with my social security ... |
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 Can i get this loan through my credit union? |
| I've been working at my job for a year and a half but i have no credit. At the same time, i don't have any financial obligations besides gas. I'm going to ask for 10k and the highest ... |
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 I just paid off my car loan and a credit card. But my FICO score dropped 32 points, why? I'm paying my debt! |
| I'm paying off all my credit cards, not closing them. But I want $0 balances on them. I paid off my car 6 months early, I never missed a payment and I was never late. Why would I be punished for ... |
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 Should I close a bad credit card? |
| I cut up two cards months ago, but after being unemployed I haven't been able to make the min. payments. I've been in contact with them, but wonder if closing the accounts will atleast ... |
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 Is this a myth...what happens if you just stop paying for your credit card? |
| I have a friend who just got a notice from a creditor via the Sheriff's office. Is it true that if you just stop paying your credit card bill after 7 years it just falls off? He hasn't ... |
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 Is it Illegal for a bank to do this? |
My discover card payment is almost 300.00 dollars and only ten of it goes to the principal.That seems very extreme to me.Isn't there a law against this?
Additional Details
This is ... |
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 Is there something I can do (legally) about ridiculous credit charges? |
| I've been a customer with this clothing catalogue for a while now and I have a credit limit of £1,000 with them. However, I decided not to use that facility and buy on a pay-as-I-go customer. A... |
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 Does this seem fair for owner financing (on a house)? Or is the guy trying to make a few bucks? |
| My fiance and I have plenty of $ for a down payment on a house, but can not obtain a mortgage. A seller is offering financing @ 8%, and after 1/2 of it is paid (30k) he will give us a deed for trust. ... |
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 How can I avoid being served with papers, a debt collection agency want to sue me? |
I do not live at the address they have on file, can they sue me if they can't find me to serve me?
Additional Details
The explaination for why I have not paid the debt is very long..... |
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 I sold something on ebay and when i go to paypal it says i've received a payment...? |
...But when i log into my paypal account the balance is still at £0.00...Anyone know why? Cheers
Additional Details
Actually I have sold two things to two different buyers and on Ebay ... |
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 I have a credit card, but haven't paid them for over 4 or 5 months? |
| how can i get out of it? my limit was $1000. I owe them more than 900 Dollars. MOST of the money is from non payment charges. $30 a month. Even before the last bill i made, there were mmmaaannny ... |
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 I need financial help please!? |
| I have a County Court Judgement caused by an ex partner who run up debts in a joint account just after we split. He's disappeared off the face of the earth and I cannot get credit or a mortgage ... |
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 I can pull money out of my 401K for a down payment on a house, Yes? or No? |
Additional Details
I was told that you can pull out of your 401k for a down payment without being taxed on it. You get to do this one time.... |
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 Can i withdraw as a co-signer on an car loan? |
| my boyfriend has an car that i co-signed for and we are no longer together and i do not want the responsibility. he is not paying the notes on time and it is ruining my credit.... |
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Natasha B | Is there a Credit Card for people with Bad Credit who need a Second Chance? |
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Ed Nailor
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On a scale of 1 to 10, how would your rate your credit? How about a scale of 350-850? If you aren't too sure, you might want to check into it. There are plenty of sites online where you can get a "free" copy of your credit report and credit score.
Did you know that scores below 640 are considered poor credit? If you are currently in this category, here's a few tips that may help. If you have pulled yourself up from below 640, see if these tips are familiar. If not, they may actually help push your scores up more!
First, lets talk about time. Time is one of the greatest gifts you have in rebuilding your credit... so don't waste it. By not doing something now, you only make the process longer! The longer you do the right things, the better your scores will get!
Second, if you have simply given up on your credit because of bad things that happened in the past, get over it and get on with life! Your mistakes of the past do not have to dictate your future. Learn from the past and use the right types of credit to build your credit file.
Third, start off easy and small. Don't worry about getting the $10,000 personal credit line right off the bat. It's like deciding to buy a new BMW or Mercedes the day after your old car was repossessed! Start off with a secured loan using your savings account. There are credit unions and banks that will lend you as little as $500 provided you put $500 in their savings.
Fourth, get a revolving credit card and use it properly. Do not max it out. Simply charge a small amount each month and pay it off each month when the bill arrives. This will really give your score a kick!
Finally, take it easy and slow. Don't worry about trying to get from 520 to 780 overnight. It's safe to say your scores probably didn't drop overnight, so don't expect them to raise up overnight either.
Good luck and happy credit building!
(c) 2006 http://www.bestnewcreditcards.com |
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cubsfreak2001
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yes there are several...
I did a search and found this list of at least 10
http://www.badcreditoffers.com/creditcards/ |
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dolphin2253
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Yes, most of them require a security deposit though. Below is a site that came up when I did a search.
http://www.creditcard321.com/badcredit/ |
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maharet
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We started over w/ Capitol One Platinum...that is the best <my opinion> in giving second chances...no security down just a regular credi card w/ decent interest rate |
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Scott C
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Have you ever thought about why you have bad credit? Most likely it's because you can't control your spending. Instead of getting another credit card and get further into debt, pay off the debt you have and never get into debt again.
Scott..... |
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PMS 24-7
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I got one through Household Credit. |
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love2travel
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http://www.vipadvantageapp.com/specialoffer/index.php?campaignid=653&exc=1&siteid=653&exc=1&campaignid=10000528131&accountid=1850
Hope that helps! |
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Okkieneko
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You can get a secured credit card. You have to deposit the money into the bank before you can use it. After you have it for a while, they will give you credit again. Beware of the high interest rates on some cards, plus any that require an annual fee. |
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JessD
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First Premier Bank offers one, you might want to check out their website www.mypremiercreditcard.com. Basically they give you a card with a possible $250 credit line, charge you finance(charged to the card they issue you) fee's up front so that you pay those to build up your credit. Ex. You get approved for $250, they charge your card $150 for fees, you have a card balance of $100 credit until you pay the $150 in fees. Min. Payment is around $20 a month and so far it has been a good card/company to work with. Once you pay off the fees, your balance goes up to $250, then as long as you pay the bill on time, you can earn more credit through them, I think about every 6 months. |
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Audio Godâ„¢
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Absolutely! It's called a Secured Credit Card
(You deposit an amount into the Financial Institution of your choice and they'll give you a card which has a credit limit of about 50% of your deposit.) |
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69 Trophy stile xxx
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I'm in the same boat and i have yet to find one,it takes 7 yrs for your credit to be at 0 again.so it shows up as if you were a 1st time appliar but 7 yrs is a while,im waiting. |
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