 Will my bad credit be renewed when I get married? |
| I live in Texas and because of a hospital bill my credit is bad (the bill is only $35) We want to get married and buy a house and a car and all that good stuff. He has no credit will we be able to do ... |
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 Considering a personal loan...? |
If I was to take a small personal loan (less than £500), how long does the whole process take. Would I have the funds within a month for an overseas trip?
Thank you!!... |
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 Where can I go to "watch" my credit (I don't care if I have to pay for it.)? |
I would prefer to have a place where I can do a trial period.
I ALREADY tried PRIVACY 1-2-3 and FREECREDITREPORT.COM. I can NOT get another free trial though them, but there has to be ... |
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 Does going over your limit due to interest hurt you? |
| My question is as follows. I have a credit card and for the past 2 months when the interest payment hits it sends me over my limit. Will this hurt my credit score?... |
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 Whats are some good ways to rebuild bad credit? |
| I've been trying to apply for a credit card but keep getting rejected.I don't have any outstanding debt.... |
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 Do I have enough credit yet? |
| I've had my credit card for about six months now, I've had a debit card since I was sixteen (i'm now 20)... I have had an apartment for seven months now, and never missed a payment. I ... |
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 Paying of credit cards>?? |
| I have a student visa $700 .. ive been paying the amount due every month all at once. Am i suppose to just pay a little at a time to build credit?>? or say its 120 that month do i pay the $120? .. ... |
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 What is the best debt consolidation service to use? |
| Im Looking at a lot of credit card debt and its beginning to become to much for me. What services if any are the best to use when looking to consolidate? Fyi im have about 7 different credit cards ... |
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 Should we pay down our credit card debt or save money for a down payment? |
| We had some unforeseen emergencies and had to use our credit cards. Should we pay these off first and then use the credit card availability for a down payment if needed, or save cash and keep the ... |
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 Should i file for bankruptcy? |
| im 21 years old and im up to my eye balls in debt..abusing credit cards and school loans and got me stressed to the point where im suffering from tension headaches..and what makes it worst i feel ... |
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 How to rebuild your credit? |
| hi im 19 years old and have had credit cards for a little over a year now, i messed up big time with the payments because i had no job and ended up having all 4 of my cards sent to collection agencys,... |
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 Why do people go into credit card debt? |
| Please do not answer if you are debt-free. I want to hear from people who spend more than they make and carry big balances. How did you get into this position, and why don't you stop spending ... |
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 18 years old....And trying to establish credit....Quick!! whats the fastest way to do that?? |
| 18 years old....And trying to establish credit....Quick!! whats the fastest way to do that??... |
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Renea C | My credit score is 0 I have already tried asking loan companies for starter loans what can I do? |
Already tried loan companies, internet applications, and all of my resources. Please help |
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Lianne
|
I doubt your credit score is zero, its probably at or near 400.
The first thing you need to do is stop applying for credit because applying for credit, especially on a frequent basis, hurts your fico score.
You didn't say whether your credit score was low because you mismanaged your credit or because you simply had no credit to begin with.
You may not be able to get a credit card or a bank loan but you will be able to obtain a secured credit card where you prepay the balance. Once you have the card, activate it an make small charges that you pay off in full when you receive your statement.
You may also be able to get a charge card that you use like a credit card but the balance is due in full each month.
After responsibly managing these accounts for approximately six months, try again to apply for a regular credit card. |
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balloon buster
|
Be thankful. Read up on how things were done before the expansion of credit. Learn to be on a cash basis as much as possible. I think we are all about to switch back to the old rules, you have the lead. |
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Rick B
 |
Well, why do you feel you need credit? Most people who are successful with money use very little if any credit. Save up and use cash! Instead of making the payment after you pick up the item, make them BEFORE! If you decide you can't make the payments, you don't get all your stuff taken away!
That being said, it is probably going to be easiest to get credit when making a specific purchase. Go to a jewelry store and apply for credit and put 50% down on the item. They will not let you leave without getting you approved.
Appliances at Sears is another good place.
Best Buy was not around when I got my first credit card (or they were pretty new), but I assume they would be a good place, but again, don't walk in and apply for credit, walk in to make a purchase. If you are buying something, they WILL get you approved.
Good Luck.
Once you start getting credit USE IT WISELY! |
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Millionster.com
 |
Usually when people start off they have 400 credit score. There's no way you can have 0. You should actually get a credit report and a credit score to see what it really is. Any way to start getting credit the best thing to do is get a student credit card or ask someone to put your name on their credit card. This is called account shadowing and will help you build credit. Once you've shown you're good with a couple of credit cards and have verifiable income that demonstrates your ability pay back a loan then you won't have any problem getting a loan!
Be sure to check out these resources to help you build, track and repair your score and report!
MyFico's Full Credit Report
http://millionster.com/go/myfico
Suze Orman's Credit Report Repair Kit
http://millionster.com/go/suzekit
30-day Trial of Credit Score Tracker with Free MyFico Score
http://millionster.com/go/fico30
MyFico Deluxe Complete Credit Report
http://millionster.com/go/complete |
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Adam M
|
You need to apply for a secured credit card. A secured card is one where you make a deposit with the credit card company into a savings account which acts as collateral for the limit on the credit card. Use the card for regular purchases and pay it off at the end of the month. This will help you establish credit and give the credit rating agencies a history to rate (score) |
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Sonnenblume
|
Apply for a credit card for a small amount
for the maximum limit. Like $250.00.
than make purchases but do not exeed the limit. Than pay your card every month on time and you will start building credit.
I know it is not instant but that is the best way to get credit history. You can also have a joint credit card with someone that already has credit and make sure the credit card gets paid every month. this will also get you credit. Good luck, I know building credit is not easy! |
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Domino
 |
well a 0 can't get much worse. there isn't really a company that can help with 0, you have to start establishing credit. if you have a credit card then make sure and always pay on time. even if it is the minimum payment you must pay on time. it will take a few month but in 6 months you will see your credit showing signs of recovery. don't be tricked by those companies that promise a credit repair when they just want your money. you got in this hole ad you are the one you can repaur it. all credit scores are are your record of on time payment. |
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Casey C
 |
Adam M is the only one here with a decent response. A secured credit card is really the only way you're going to start your credit.
You need to get this through the bank you currently have a checking or savings account with. If you don't bank, that's your first step.
You'll have to come up with $250-$750 to give the bank as a deposit. No way around it. AS long as you pay it on time and don't go over the limit, it won't be long before you can qualify for better cards. |
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