 How to build up good credit? |
| My credit score is only 608 and I was bad with paying my bills on time a few years back. Now that I am older and trying to get myself straight I was wondering how to build my credit? I have a Capital ... |
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 A bill collector is taking me to court for a credit card bill that is at least 7 years old. Do I have to go? |
| They have filed a complaint with my local magistrate, and they are asking for over $4000 which is the amount that has accumulated over the years in late fees and interest. I don't feel I should ... |
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 Help with paid off debt... 7 years? |
| I had debt that dated back to 2000 (date opened) and have recently paid it all off, this year. Will the negative debt records clear 7 years after the open date or 7 years after I have paid off the ... |
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 What are the laws for collection agencies to collect debt from people that was from 2yrs ago and harrassment? |
| They also mentions that they would make a note that my sister will bw non negoitable, which means what? What steps can I take to have them stop harrassing me?... |
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 Do people that quote Dave Ramsey like the bible annoy you? |
Additional Details
If we wanted to hear from Dave Ramsey we could just order his products, am I right?... |
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 Cleaning up my credit report? |
| I have 3 charge offs on my credit report, the debt just under $1500 total and over 5 years old and from what I gather the statue of limitation has expired on them (is that the right wording?) but I ... |
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 If my sister is financing a car and i want to take over payments whos credit report does it go on??? HELP!!? |
| If my sister is financing a truck and i buy the truck from her, so i'm taking over payments, does it get transferd to my credit report or does the vechile stay on hers?... |
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 Credit card issuer cancel my card due to inactivity of the card use, will this impacts my credit score? |
| I got notification from credit card issuer that my credit card was canceled due to inactivity. I have not use the card for more than a year. I would like to know if this cacelation will have impact ... |
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 My brother is looking into filing bankruptcy, is that bad? |
| My brother has over 97,000 dollars in personal student loans, plus 60,000 in credit card debt, all accrued during college. All his debt was due to him paying for studnt supplies, tuition ect. He now ... |
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 Does anyone have an opinion about those debt eliminating companies? They reduce 60% of your debt in 3 years.? |
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Apparently, you open a bank account, don't pay the credit card companies for 3-4 months but send payments to your account to build up enough money for them to ... |
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 How do I raise my credit score? |
| So as a teen I screwed up some, landing me 3k in debt and boasting a score of 580 :( :( so im 22 now and I really wanna fix this. what do I do?... |
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 Are my Credit Cards being fair?? |
| I just called to ask my credit card companies to lower my interest rate, and they said they can't do that until I get back into my limit. I am only 200 dollars over my limit on both, and my debt ... |
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 Fiancial Advice for someone who is in big trouble. What should my friend do? |
| My friend's parents are in debt 2 Million dollars because of some bad investments. They are trying to pay the mortgage on their home. The mortgage is 10k per month. The husband just lost his ... |
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 Is it legal for credit card companies to increase interest to 34.9%? |
| queried why payments were increased and was told interest rate was increased by 10%.... |
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 I have POOR credit and need help? |
| I have POOR credit, and a small debt. Because of my credit I can't get a loan, and because the debt is small I can't do consolidation. Is there any other offers I could take advantage of?... |
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 Can someone check my credit without my social security number? |
| I am applying to rent an apartment and the advertisement said that there was a credit check. The application doesn't ask for my social security number. There is no application or credit check ... |
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| Debt recovery? |
| My son has left home owing monies to a major credit card company..his address for this debt is my own and my wifes. we do not have any contact with our son as he just got up and left with no contact ... |
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tl3mill | Renting as a couple with bad credit? |
My fiance and I are looking for an apartment. We've went for 1 place with a private owner, and she said yes but wanted 2 months rent on the deposit. After talking it over we finally decided not to go with the place after neighborhood evaluation at different times of the day. Now we're looking again and I fear that we might get rejected because of my credit. I have 2 judgements and a couple of collections. I would like to know from individuals with experience with this type of situation what is the procedure for this if we went to a management co. or agency? Do we stand a chance? Also I know a ton of people say they have bad credit, but I don't consider it bad until you can't get a credit card.
Additional Details
Addendum:
Yes, we're currently rent in a condo building. The condo association is having major financial issues, thus the landlord wants to go up on rent big. But it's just him on the lease. I moved in after we got engaged. I didn't bother to put myself on the lease since we knew we'd only be there for 3 months until the lease ends. We just need a bigger place and yes we're looking for things in our range. It's very easy to say work on your debt and other various things, but I'm in the meanwhile of that time before my credit is great again. So I'd rather the suggestions and comments help more than harm. |
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Nik
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I know how you feel. As I have been there before so many times. Its so easy for people to advise you to clean up your credit. We both know that its not that easy. You know that you need to clean up your credit, but right now you need a place to live. Here's my advice: You should definitely look for places that are being rented out by private owners. If you go to Management companies or apartment complexes, you will be turned down. Dont give them those application fees, because its just a waste. Private owners dont tend to check credit, but they ask for higher deposits because they need to protect their places. Also, you say that you have collections. Are those collections agaist other rental properties? If not, then you may even have a chance with a management company. But if those collections are against other rental properites, then just save your money. You dont have many options. You need to get prepared to dish out extra money on another place. People with bad credit have to pay more for their credit worthiness. Trust me, I have been there before so many times, so I feel your worries. Good luck to ya! |
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Crazy cat lady >^ ^<
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I had bad credit 5 years a go..I got turned down for all the apartments I applied to.Then my girlfriend told me she was moving out of her apartment and the owner was looking for a new tenant.He never looked at my credit report he just wanted to see my bank statements I did tell him I had bad credit he said he did not care.
So long story short I had to find a owner renting his place as I got turned down at all Management companys |
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freejuego
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sadly your credit affect everything, some companies would allow you to rent if you pay more than 3 months in advance, just in case...
try to rent to a private owner, they usually don't expend money in credit report, yes, they will ask you for the last pay checks.good luck |
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Must Be The Clouds In My Eyes
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you need good credit |
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Mo
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If you are in a place nw, stay there and clean up your debts. Then try moving to another place. Common sense tells the landlord not to rent to a person who doesn't pay his bils. |
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big boy
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if you try with an company that runs a credit check you wont get the place, they might tell you to try anyways but that is only to collect you $35 for a credit check but then they will just reject your application. you have to find a place with the private owner renting to you directly and you will probably have to pay first last and a deposit at places like that . |
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sterlingrose7
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Are you renting now? Before adding more expenses to your bills, I would reconsider adding a rent payment and get your credit back in order. The more you work on getting good credit and not overspending your income the better off you will be. If you are already renting, you may want to get a reference and payment history from your current landlord. If you have always been on time with them that will carry some weight with the next place. Make a payment plan for the collections/judgements and get those handled. That will all benefit you by thousands of dollars in the near future. Good Luck. |
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missmel
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sometimes the extra month(s) rent will help overcome a negative credit report. I've been in this situation before and had to pay an extra 3 months security. That can be hard to come up with, I know. It's crazy out there. Even people with bad credit need a place to lay their heads. |
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blackgrrl23
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Really no way of telling without asking....just call the rental office and be honest (but anonymous) or...if they have an on line application fill that out and get an instant answer. I was surprised that with a 570 FICO I was approved for no deposit...and like you, I had several collections and even a hospital judgment on my credit report. I'd say 80 % of places will take you but you might have to offer up 2 months rent first instead of one....pretty much as long as you have no evictions or prior apartment collections on your record you should be ok. |
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