 I was turned down for a credit card because the company said I have no credit history. How do I fix this? |
| This stupid catch-22 sitaution for credit cards. I need a credit card to build my credit history, but companies won't offer me a credit card because I don't have credit history. Will having ... |
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 Where can i buy a prepaid credit card? |
not online i want to buy one today not wait for it to be sent, ive tried post office they say they dont do them, and an internet cafe, um where else can i get one??
Additional Details
in ... |
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 When some pulls your credit report, can they see the names of other companies that have viewed your credit? |
Or can they only view number of inquires?
Additional Details
Is there anyone that knows for sure? Some of you are saying yes, and others no.... |
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 Do I have to pay credit card that was once on my credit report but 7 yrs past and it's no longer on there? |
| I was contacted today about a credit card that I had in college. I did not pay the credit card off and allowed it to go on my credit report. It stayed uppaid on my credit report for 7 years, and now ... |
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 When you pay off collection accounts, can they be taken off your credit report completely? |
| I have accounts that I have made payment arrangements on and now they are completely paid off but they are still listed on my credit report but the status says "paid in full". I heard that ... |
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 How is my credit? |
| I am 21 years old. I work full time. Not a home owner. I have carried at least 5 major credit cards and 5 store cards but only have 1 store card and 1 major card now with a balance of 2500. I pay ... |
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 Where can I get approved for a car loan? |
| I DO NOT have really bad credit. My credit score is 680. I have a monthly income of $2700. I applied for a car loan today and got denied because of something that is on there from five years ago. ... |
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 Is this a scam or real would like to know? |
SWIFT PAYMENT CENTRE
IKEJA LAGOS-NIGERIADATE: 13TH /04/ 2007.
ATTENTION OF MR. JOHN JONES
I WISH TO REMIND AND ALSO TO INFORM YOU THAT THE REQUESTED FEES FOR (COT) WILL BE... |
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 How do you finance a ferrari with no credit? |
| I heard you can finance a car if you put %50 down. I have no credit, but recently just started a business that is making me 8k per month. I have $120,000 cash, but don't want to go2 the ... |
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 I cannot afford the mortgage payment on my house anymore. I'm considering bankruptcy or forecloser.? |
| My Credit card debt is less than $2,000 and I can pay them regularly. I cant afford the $2,500 a month mortgage payment. I don't have any other debt & no car loan.... |
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 I overdrafted my bank account by $125. Its been 9 months & I still haven't payed them. What can I do? |
| They sent me a letter saying they cancelled my account so I figured that was it. But My wamu account still exist and I dont know If I should pay it back anyway or for how long its gonna affect my ... |
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 Can anybody help me to find the right credit card, please!? |
| Its been almost 3 years since I got my first Bank of America's Debit card. My friends still asking me..."Why you don't have a Credit card, yet?"...and my answer every time was the ... |
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 I was refused credit by a credit card company. Can I get a credit report for free ? |
| Can i get my credit report for free if i submit this credit refusal letter to the agencies? T... |
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you asked | Is there such a thing as cleaning up credit? |
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 |
 
jeffs_wife_ali _&_adams_mom
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Yup. And it's not an easy or painless process. Establishing your credit again takes work.
First thing: get credit counselling. A good company can put you on the right track with budgeting, and can help you pay off any collection agencies and third parties by aiding in interest rate negotiation and payment terms. Many collection agencies will look upon you a little more favourably if they see that you are taking honest steps to pay them back, and are sincere in your efforts.
Second thing: you have to pay people back. This is not always easy; chances are, you would've paid them in the first place, if you'd had the money! Getting lower payments over a longer period of time can help, though.
Third thing: start up fresh credit. One of the best ways to do this is with a "guaranteed" credit card. You give a bank, say, $1000 (this is just an example), and they will give you a credit card with a $1000 limit. This way, if you default on your credit card, they already have your $1000. With this kind of card, there is no risk to the bank to provide you with credit, so why wouldn't they? Talk to your lender at your bank to see if they can set you up with this kind of thing. Just remember -- you have to pay it off just like any other credit card! If you can, though, avoid high interest gimmicks that say that they'll give you a loan even if you have bad credit, and will "help" you by making regular reports to your bureau. More often than not, the interest and fees on those loans are insane, and might even put you deeper in the hole.
Fourth thing: show willpower and restraint. A lot of people get in to financial hot water because they overestimate their capability to pay back their debts. "Buy now, pay later" is an absolute no-no. Steer clear of big-screen TVs. Avoid spending money on stuff you want but don't need. This is pretty common-sense stuff, but it's not easy to say no to yourself.
If you apply these points to fix up your credit, it should start to turn around. Remember, though, that credit does not fix itself overnight, which can be incredibly frustrating! It can take over a year before you start to see any real change in your bureau. Take heart, and don't let it get you down. You'll thank yourself in the future for taking responsibility.
Good luck! |
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echo
 |
Yes you can clean up credit - and you can do it legally.
There are many legitimate "free" forum sites on the web that have the information you need to work on your credit.
NEVER use a site that requires payment for the information. |
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SAK
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Yes, by making payments to companies you owe to get your debts paid in full. That is cleaning up your credit. When all the money is paid back, in full. |
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bookworm87
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Yea, if you pay your bills or don't have them! |
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TruthSeeker, US American
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Yes, it's called paying the people you owe.
;-0 |
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Judy
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There are many credit repair agencies that will help you clean up, as you put it, your credit.They may charge a fee to do so and will take a month or so, depending on your credit history.
It depends what you want to do and achieve doing it. |
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june e
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How to Clean Up Credit Report: Before approving your loan, your lender contacts the credit bureaus to get your credit report. Bad credit report will severely restrict your credit. In some cases, you may not even get the credit. So it is vital to get your credit report cleaned. To enable you to achieve that you have to alter your financial habits |
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annc
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yes |
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Sa
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I have no idea.............. |
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stefannej13@sbcglobal.net
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It doesn't seem like there is. I mean... no matter what you do... you always have debt. Its really frustrating. |
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?
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Not legally....No. Be careful. |
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