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 Is it better to close a credit card or?
just keep it with a 0 balance?

Thank You :)...


 How can I take advantage of having good credit?
I live in SoCal/housing is too expensive to consider purchasing at this time but I have good credit- what else can I do to take advantage of this and remain responsible?...


 What are ways you can gain credit?
I have zero credit, and I don't want a credit card. What other ways can I improve my credit score?...


 I have a joint credit card with my future husband. We both have perfect credit. My mom insists we cancel it?
now. She states that I have made a huge mistake in my credit future. However, prior to opening the account, we (Adam and I) went to our financial advisor who stated that it would be very good for our ...


 Advice on prepaid credit cards in the UK please?
Hi. I have a bad credit history and have only got an electron card. I don't want to get anymore credit but would like a credit card so I am able to book things and buy online.Does anyone know ...


 I 'm 25 single mom. I working on paying off my debt. How soon does these payments show on your credit score?
I owe about 7 thousand dollars spread over 4 seperate accounts. My student loan is the biggest of all @ 5thousand dollars. I am making my monthly payments but not always on time. I also have 3 more ...


 Hi i defaulted on a store card 8 years ago and it has been sold and they are chasing me to pay ,do i have to?
i was paying this through a debt management company along with other debts,all the other creditors stopped the intrest and have all now been paid,but this one company didnt stop the intrest so i ...


 Does banks charge an overlimit fees for "debit card?"?
...


 Will Bank of America give me a small, SECURED loan with TERRIBLE credit?
here is the scenario:
i want a motorcycle that is $4,000.
i have $3,000 cash in my pocket.
i have terrible credit and do NOT qualify for a loan.
i can afford to pay the $1,000 ...


 How can I rebuild my credit if I'm in bankruptcy and my credit score is 0?
I'm in my 5th year of Bankruptcy (ch.7), I've paid my mortgage on time, I have only applied for credit once during that time. I have no other credit cards or loans, I don't understand ...


 Are those payday loans good to use?
...


 Home loan agency for bad credit?
My boyfriend and I want to buy this one house, but we don't have perfect credit. What is an agency that can help us?...


 My first credit card?
I am 25 and I have virtually no credit and I am looking into getting a credit card. what do you think is the best card to start out with?...


 Can anybody give details of institutions that give loan against property without proof of income and guarontor

Additional Details
in chennai ( india)...


 How long can bad debt chase you for owed cash?
have a ot of bad debt from two years to ten years if one catche s up with will the ...


 I apply for a credit card, but don't want it anymore. How do a keep it form being on my credit report?
...


 What is the fastest way to raise my credit score ?
...


 No credit, How do I start and what is a good credit card for a beginner\r?
I am 20 years old and after trying to get a card for a store I find I have 0 credit history. I have never owned a credit card and want to pick a good one to start bulding credit. Does anyone know a ...


 I've been told that after so many years, credit card debt goes away. Is this true?
A company that will go unnamed wants to settle with me at 11% of my original debt. This is over 5 years old....


 How well have you been successful in controlling your credit cards?
...



lucy bee
Is there such a thing as a credit score of 170?
                     
 




asmikeocsit
I don't think so.


mrscmmckim
No.

Most people who do not score over 450 have no "risk" score at all.

Here is an example from a real credit report...not mine!!
------------------------------- SCORE SUMMARY --------------------------------

EXP/FAIR ISAAC RISK SCORE 2 NOT AVAILABLE DUE TO LACK OF CREDIT HISTORY.

----------------------------------- TRADES -----------------------------------


ღஐ Queen B ஐღ
Rating
Im sure there is...and that is really bad


krzbitch
No I don't think so the lowest I have heard is 380, or about in that range.


BabyDoll
Rating
I dunno


more_evil_then_santa
That would be, ah, no credit at all...


mcawful1
That's bad


golferwhoworks
sure there is a score of 170--- it just will not report that way. The lowest reportable score is 350.


D C
If you are talking about the FICO score on your credit bureau, they don't go lower than 300.

http://www.bankrate.com/brm/news/investing/20001004b.asp?prodtype=grn

There are some other scores that bankers use that can go that low but they are usually internally generated by the software package they use.


J♄dida
That's a pretty pitiful credit score.


bathagent
Rating
No, scores range from 350 - 850


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