 I have a credit repair guy that says he can remove slow pays etc etc from my credit. for a fee.? |
| Personally I don't care about the ethics behind it I just don't want to get ripped off. He says he can do it for about $300. Anyone out there have any luck with credit repair??... |
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 My bank notified me that a check I wrote was returned. What do I do now? |
It was for a credit card payment to Target. Do I need to go there or will that contact me or will they just try to re-deposit it? I have the money to cover it in my account now.
Additional D... |
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 Why do banks ask for your national insurance number when you're applying for a bank account? do they check |
Additional Details
the number, because i can't remember my number i think i got it right but now i'm not ... |
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 What can a prospective employer see in a credit check done to a prospective employee? |
| What I mean is can they actually go into detail with your accounts, etc.? OR do they only see you "credit rating" or "score"?? Someone with experience as an employer or manager, ... |
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 Do you mostly use cash,write checks,or use a credit card to buy things?? |
| I always use my debit card......i rarely use cash,or write checks unless i am paying a bill.I don't have any credit cards so if i don't have the money in my checking account,iwon't buy ... |
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 What does a 649 fico score mean? |
| I found out my FICO score is 649. The worst thing in my credit report was I missed some payments on a credit card for 3 months about a year ago. Also, I had a lot of open accounts, but I don't ... |
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 Bankruptcy? |
| My freind was made bankrupt about four months agao and i finding it hard to get a debit card he doesnt want an overdraft or anything he just want to be able to get his wages paid in and that has ... |
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 I need help . my friend open a credit card in my named and she add her self as a authorize user .? |
| she apply thru the telephone she have used the card in her named and also made payments. i call the card company and close the account. but they are still want to charge me for the amount. they said ... |
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 How bad is my credit? |
I know I could get my credit score but it costs money and many of you are knowledgeable enough to help me out for free!
I'm only 19 but I want to get a car loan soon. I am wondering ... |
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 Help! The bailiffs are coming.? |
| I've offered what I can afford to pay but they rejected it so I've put it in writing and am waiting for a reply. If this doesn't work and they come to my home how are they allowed to ... |
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 Which looks worse on a credit report? |
| Having open credit cards with no balance, or cancelling them before they expire?... |
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 I've been trying to get an auto loan??? |
| I found the vehicle I want to purchase. I am 20 years old. I can comfortably afford the payments. I only have 2 credit cards, with a total of less than $600 owed. (lol) I have never financed a ... |
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 Credit cards: Is it better to pay off the full balance or make payments? |
Say you had a balance of 500$ on your credit card. When the bill came, would it be better for your credit to pay off the 500$ right away, or make above the minimum payments?
One of my teachers ... |
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 Should I tear my oldest credit card or just cancel it? |
| Hi, I have my oldest (first) card which helped me acquire a credit history. It is now an unsecured credit card with its own benefits (my credit history is solid). My financial institution that issued ... |
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 I was wondering if anyone can help regarding a debt i have? |
| This debt is my only one, but the problem is the interest they charge, as it's really high, so basically whatever i pay pretty much goes to the interest, so it will take me forever to pay it off.... |
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 How can I get a 15,000 loan without a credit check? |
| I took a $17,000 pay cut about a 2 years ago. My wife was using our credit cards for basic living expenses. Needless to say we got way behind, we have 2 in court trying to get a wage garnishment. I ... |
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mustang | It is good to pay off your credit cards each month or to carry a balance? |
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Lake Lover
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Pay it off each month - why pay interest! |
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tcoJCoLDS member
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if you CAN pay the credit cards off every month you should, it will do great things for your credit rating |
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Maya
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Pay off each month completely. That's best way. |
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susan c
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It is best to pay off credit cards every month if possible. It will save you a great deal of interest as well as contribute to a better credit history. Even if you don't pay the amount in full, make sure you make the payment ON TIME, or your credit report will be downgraded. |
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Michael Myklin
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This depends on what you want. Do you want a high credit score or cash in your pocket and better longterm savings?
Pay off your cc's and save what you're not spending in interest fees. Your older age will thank you for this. |
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bella_4624_19
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if you carry a balance make sure it is below 20% of the card limit. otherwise you credit score does not reflect whether you pay in full or you carry a balance. it's all about making on time payments. |
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IamConfused
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ofcourse it is much better to pay off your credit cards each month. Why carry a balance and pay interest fees and charges if u dont have to. |
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di05712
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if you can pay them off monthly. |
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jboatright57
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If you can pay them off and still have money to live on, you ought to. Otherwise, you are just giving more money to the company due to finance charges. It doesn't really do any good to buy something on sale with a credit card if you end up paying a lot of finance charges. |
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jenivive
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pay them off. shows more responsibility and less potential for debt and risky money behavior |
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cristanine
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Paying off your credit card each month is good, but it has a bad set back. The company doesn't make any money and eventually cancel your card.
So let it ride a month or two and then pay it off. |
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crimethinker1984
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If you can afford to pay them off, DO IT.
If not, find the best offers for balance transfers, and play musical debt to save money. |
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Spoiled
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A good rule of thumb is to never charge more on your credit card than what you can payy off at the end of each month. |
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