 Can anyone, please, explain to me how a credit card works? |
| I am a new immigrant - I have been in the States for 2 years, but just got my Resident status. We do not have credit system in my country, so it seems to me to be extremely confusing. My husband has ... |
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 Quickest way to build good credit from no credit? |
| I'm a 20 year old college student with no credit history and I just got my first credit card, a WaMu Secured Credit Card with a $29 annual fee and required deposit. My question is, what is the ... |
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 Is it best to pay a credit card bill early or on time? |
| to establish a decent credit..my next bill isnt due till sept 12th, what is better? to pay earlier then that date or on time. ... |
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 Can I be sued for a ten year old debt? |
| I have an unpaid debt of originally 700 dlls with a phone company formerly knonw as Pacific Bell in California. That company eventually became SBC and now ATT. I just got a call from a collection ... |
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 Credit cards and credit score? |
in order to improve my credit score should i pay the cards off every month of leave a balance? and why
Additional Details
if leaving a balance is recommended explain why and how much ... |
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 My sister used and signed my name to purchase a car. What should I do? |
| The credit bureau is showing that it is my debt, but the company which she got the credit from does not have me in their database.... |
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 How can i earn money online by just typing??? |
| Almost all sites about making money online is A BIG SCAM!!! most of them send virus to your computer!!! Does anyone know an online job as a typist??? Most sites have these bold texts about how to ... |
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 Credit card vs. loan? |
| I have a debt of 28,000, and a loan for it for 12.99% for 96 months (611.00 payment). I have been thinking about transferring the debt to credit cards: 16000 at 1.9% for 8 months then 16.99% after, ... |
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 If I co-sign for my brothers auto loan, will it appear on my credit report? |
| I would like to know because I'm trying to buy a house very soon and would like to help my little brother out. I just don't want to mess up my chances at getting a ... |
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 I am looking for a web site that has good info on how to repair bad credit..any suggestions? |
| i considered "eliminate bad credit for good on line sites" to my understanding they're scams...bankrupcy sounds like the last option and i'm not that bad in debt..less than 5000...... |
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 What are some specific ways I can increase my credit score? |
| Here's the situation: my credit rating is poor. I have a few charged off credit cards from my early college years. HOWEVER, I do have one credit card that I have never even been late. Also, I ... |
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 I just got my first checking/savings account...help? |
| Could someone explain to me whether or not I can buy things online with it? I got my account from Wamu...and I think I get the gist of it all, but I'm just concerned what exactly I can/can'... |
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 Can an 11 year old use their mothers credit card? |
| Hello, my 11 year old wants a credit card, and keeps asking if she can use my credit card, she's very responsible, so she won't screw up my credit, but still, can she use it?... |
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 Wage Garnishment help? |
Doesn't anyone know on how to stop wage garnishment..since my mother die I have been facing hard time... is there a law that protect me...or is to late what can I don't I feel so sad.
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| I have less than perfect credit? |
| i made mistakes when i was younger getting a credit card at 18 with no job, now that i'm older have a good job and good income nobody trusts me with credit.......is there anywhere i can go or ... |
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castmedjj | Just paid off my car loan. What now? Will my rating go up? |
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Melon Farming Gypsy
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Your credit rating should go up because you don't have an outstanding debt anymore and also because you have been paying it regularly (without defaulting hopefully), they will know that can pay off your debts and this will make it easier for you to get credit, if you want to take out another credit agreement. |
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champagne
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yes as long as the payments were made on time |
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Dean
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you usurer |
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chav69
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yes |
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Booger
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if you made all your payments on time it should go up |
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kelly h
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My credit score went up about 40 points last years after I paid my car off. Pretty nice, no more car payment and a higher credit score!!! |
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frr_ls
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I believe everyone already answered your question on credit. The best thing you can do now is keep your vehicle, and put the car payment you used to pay in the bank. When you are ready to purchase another vehicle, you can either pay cash or you can put down a big down payment. Bottom line, for every month you don't have a auto payment, you can put that money somewhere else, hopefully in savings or in paying off other debt. Good luck! |
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kallmetigger
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it should if you made the monthly payments on time. |
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Not Ecky Boy
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What now? -it's time to buy ANOTHER car on borrowed money. This is the reality of life, my friend. |
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IMHO
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Yep. |
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kate
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As the loan balance was always decreasing , the last payment shouldn't affect your FICO too much .
Your rating is your debt to income ratio , but a protracted period of low debt , good income will improve your score. |
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