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 How do I establish credit?
I don't bad credit. I just have no credit. I've applied for credit cards and have been rejected....


 I have really bad credit, can i get a small personal loan with a co signer that has really good credit?
...


 How to establish credit...?
i turned 18 in june so i have no credit i have been working for about a year and now i wanna start establishing my credit what would be the best way?...


 Is there anybody goes to jail for not paying their credit card balances?
got debt from a card company....


 Bankruptcy vs. paying off debt?
I am debating between filling bankruptcy and paying off my debt I have 12 - 15 delinquent accounts that have not received a payment (all charged off or in collections) in over two years including a ...


 Anybody have experience with these credit repair sites. they promise take old medical bills off your credit?
they promise in as little as three month to erase most of your old medical bills on your credit report. Most sites charge $100 dollar set up fee and $30 dollars a month....


 Will using a credit counseling company (such as Debtwave) that offers a consolidation program hurt my credit?
...


 Whats the best Credit card for a 17 year old?
...


 Is it safe to give your credit card details to make an online payment for a 'work at home' business,US.?
Are there chances or ways to misuse or cheat? what precautions should i take?...


 Need emergency $$ ASAP, can't find co-signer or loan to cover. Now what?
Credit is bad due to divorce. Can't even find on-line company to fund. Need min $1500. No one in my family can help... no co-signer w/ good enough credit. No collateral worth enough. Desperate......


 Bad credit fix?
Is it better to pay off bad stuff on your credit or have someone like careone do it?...


 What is better a credit card or a debit card?
...


 I am still looking for $30,000 t pay off some bills and get caught up?
I am looking fo a private person that can help on a one on one
basis
This would free up extra money and help clear up our credit ...


 How do I find out who to pay? Debt collection?
I have a debt and have not heard from the debt company for a while.
I know that this has been passed over to a debt collection agency but when they first contacted me I was out of work and only ...


 Do you think any private lenders that give out personal loans are real?
I ask a question on yahoo about bad credit personal loan and my answers were some people told me about private lenders do you think they will scam me?...


 Florida bankruptcy law.....?
Is there a minimum amount of debt owed in order to file a Chapter 7 in Florida?...


 I applied for a credit card but it says "declined, no credit history." Why?
I recently applied for an American Express card and it said that I got declined because I don't have sufficient credit history and that the credit cards that I have have not been open long ...


 I've been fraud!!?
this guy from Dubai sent me $4000 postal money order for something, i deposited in my bank. and days later, i got notice from bank saying it didn't went through...... i thought postal money ...


 I just turned 18 and i have bad credit, looked up my credit report, and found i owed $91.00.....?
and i could not find a mailing address or phone number for the credit company that i owe the money to. Funny thing is, i got one notice a year ago and none since. Any suggesions????...


 If a person maxes out their credit cards before they die, does their family have to pay the debt off?
...



eclipse_girl18
My boyfriend has little or no credit and needs a credit card What kind can he get?
What type of credit card can you get when you have little or no credit? He just needs to build credit. Thanks
                     
 




heybulldog
Don't obsess with the fico score.

You have to borrow money and make payments on time to get a high score.
You have to keep borrowing money and keep making payments on time to keep a high score.
All you get is debt.

Your score is based solely on debt.
How much debt you have.
How often you make payments on debt.
What kinda debt you have
How long you have been in debt.

It's an I love debt score.

You can get a home loan without a fico score.
It's called manual underwriting. its not a sub prime loan. it's the way it was done before the fico score.
You can get the lowest interest rates available.


SlimMick
The high-risk cards are horrible...stay away. I'd recommend a secured credit card....

In case your boyfriend tries to get you to co-sign for a regular card, your response should be a big "NO." Co-signing for a loan/credit card is at the top of the list for what not to do.


totalbeyotch
A target visa with like a $250.00 limit would be a nice start to build some credit. After a year, try through a "real" credit card company.


BiBi
Any really, as long as he has income. Make sure its a FIXED rate, and search around for the best offer


Chillrbob
Rating
First note, tell him not to apply at too many places at once, it puts a note in your credit check and can be frowned upon. Place like Mervyn's or Target are good places to start. As long as he has a steady income and and some stability he should have no problems. It is easy to get carried away, only buy essentials and pay the bills on time and his credit will get going.

Good Luck


oakwoodjtc
Rating
Fixed rate is a must. Start with a prepaid card through a bank, not one you buy and reload.


SWEETS**
You should pick Bank Of America


Peter K
You can get a pre-pay credit card. It works nearly the same except that you have to have put money in there first. You can only take out the money that you put in.

It gets you most of the convenience of a credit card without the danger of debt.


gli1175
sign up for a credit card but only charge what you can pay back. Always pay on time your bills


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