 How do I rebuild my credit? |
| IN 2006 I HAD ABOUT 7 CREDIT CARDS (INCLUDING 1 STORE CARD). NEEDLESS TO SAY ALL OF THEM HAVE BEEN SENT TO COLLECTIONS/CHARGED OFF. HOW DO I RESTORE MY CREDIT?... |
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 Cutting credit card? |
Hi all,
please tell exactly how to cut and deface a credit card with scissors as i want to cancel mine. SHould I sent the cut pieces of card to credit card company??
regards,
... |
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 What is the best credit card? |
| what is the best credit card for starting a small ... |
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 Can a credit company claim repayment if they have not been in contact for 9 1/2 years? |
| a collection agency has suddenly out of the blue requested payment for a credit card from 9 1/2 years ago when the company themselves haven't been in contact requesting payment. can this happen ... |
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| What is the best student credit card? |
| I have no credit card and this will be my first, so which one is best. There are so many to choose from with different rates and rewards but I want to know which is the best overall and also in terms ... |
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 Are credit cards allowed to increase your APR if you pay ON TIME with them but LATE to other cards? |
| I heard that most credit card companies increase your APR even if you pay on time! What they do is they check your car payments and other cards, and if they see that you are late with OTHER cards, ... |
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 Whats the best credit card? |
| I'm about to be a college student and I'm looking to start establishing good credit for myself. I have never opened a credit card before and i want to get the best one possible for a ... |
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 I need a loan and I have very bad credit with no co signer is there hope? |
| I have a credit score of 573 but i need a loan to get a new car because mine is almost dead is there hope for me? and if there is where can i go?... |
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 How many credit cards do you have? |
| I have only 1, but I think more than 2 is too ... |
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 Will I lose my house? |
| I've recently separated. My husband accumulated $15,000 in credit card debt before he left. He isn't working now and is applying for disablilty. In the meantime he has no income and is ... |
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 Would this have affected my credit rating??? |
I had a debit card which was used fraudulently a year or so ago. It was cancelled by my bank.
I had the details of this card saved within the account section of a website i often buy ... |
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 Should people that go bankrupt have all there dept totally cleared? |
| i just think that if people go bankrupt they should still pay something towards there debt even if its a small amount. At the end of the day they got themself in that postion and should still pay at ... |
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 If a collection agency requests payment on charged off debt that was never on credit report, do I have to pay? |
| I received a letter from a collection agency addressed to my old name. I found it to detail an amount owed that I didn't recognize. I contacted the company (the person was very nice and ... |
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 What should I do with this debt? |
| A friend used my name to purchase a car and the car was later repossessed leaving behind a debt under my name. Now, a debt collecting company is haunting my family as I am no longer staying with them.... |
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 Is it true that my credit may suffer if I cancel a credit card? |
| I've got a credit card with no outstanding balance. The company cancelled the rewards program for which I originally got the credit card, and so I want to close the account. But my father tells ... |
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 I am in debitet,and no one abil to help me ,please anyone knowes what i have to do?without any bank krupy ? |
| i have got littil problem with my creditores,and no loan or credit card not abile to help me because i miss one payment.i am improving after that missing i never miss any other,but no one abil to ... |
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 My credit score is 729, is that good? |
| I am a 19 yr old Male in college, I just checked my credit score, is 729 good? How good?... |
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retro_kittie | Rebuilding bad credit. and credit cards? |
I am slowly rebuiling my credit after making some really stupid choices in college. I closed all my credit cards.Oops! Now I have a great job and I pay all my bills on time. But its repairing my credit very slowly. Would getting a credit card be a good idea? And if so which one would be the best company to go with? |
 |
 
Matt
|
I would get a credit card. Use it to make normal purchases and pay the balance in full every month. This will help increase your credit score quickly.
Try Orchard Bank. The annual fee is among the lowest for sub prime cards and the interest rate is 14.90%. If you handle the account good, they will give you excellent credit line increases.
Avoid First Premier, Tribute, Rewards 660, Imagine, Total, and Continental Finance. These are all high fee / low limit credit cards.
Avoid secured credit cards. Most report your status as secured and this does nothing to help build/rebuild your credit.
Avoid Capital One. They do not report your credit limit and that damages your credit score. Example, they give you a $500 limit and you use $250, they will report your limit as $250. This will damage your credit score because instead of using 50% of your credit limit, it looks like you are using 100% of your credit limit.
Good luck |
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Pravda
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It depends, take a look at the credit cards your current bank offers. You should build a long term relationship with a bank...it helps. |
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Crazy Cat Lady >^..^<
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I also am rebuilding my credit . My bank WAMU offered me a card I was accepted I was floored..but I always make my payment on time and I double the payment I also got a credit account with Fingerhut and paid that off as well. I went from a FICO score of 500 to 711 in a year it took time . |
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Christian C
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hey.. same thing happened to me..
You're probably not going to be able to get a regular card from Capital one or Amex,.... but try out Orchard Bank or Premier..
you have to pay yearly fee.. but it's worth it for a) emergencies & b) building up credit |
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$m¤¤v¥ £¤¢¤
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Hey, I'm sorry that you're in the situation that you're in but hey, that's why they put rubber at the end of pencils, right? From my past experience, you may want to check where you do your banking to see if they offer secured cards. You have to put a deposit upfront to get the same amount in a line of credit, but that's the easiest way to get a card to rebuild credit. You can think of a secured card as building credit with a savings account, because in essence, that's exactly what you would be doing. Bank of America, Wells Fargo, and Orchard Bank(HSBC) all offer secured cards. Orchard Bank also offer cards for rebuilding credit. I posted links to all three companies below. Stay away from First Premier and New Millenium, they charge too many fees and Capital One doesn't report your account properly with the bureaus.
I hope this helps out, good luck! |
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alexa dion
 |
Students get numerous offers for credit cards when they enter a college. Some of them get carried away and take a few, and then use them to pay for all kind of things, and end up in debt. This is definitely not advisable. Credit cards are essential to building a credit history but too many credit cards do not build credit history faster. The thing that matters most for credit reporting agencies is how well you are able to repay your debts. Remember any credit card money is a loan which has to be repaid. The less the loan the better it is for you. So, try to get one good credit card and start using it wisely. You can take tips about raise your credit score and rebuild credit history at: http://www.credit-card-gallery.com. Here you can apply online and get instance approval. |
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Credit C
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You can know all about credit cards and how to use credit cards offline/online and how to get the best credit cards in the blogspot down here. There are<!--lots of credit cards to choose but you need the best one to satisfy your needs. There are many credit cards out here but you need to choose the right one for you. To know how and more about credit cards,
Please visit
http://buyfreecreditcards.blogspot.com/
Thanks. Hope-->you will find a wealth of information. Thanks again. |
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