 When a parent dies in your family and they have left some bills like credit cards is the family responsible? |
| Can those bills then be put on your credit record from the deceased family member? Can the family lose what they have due to what the relative left behind? What if they don't have the money to ... |
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 I just turned 18, I want to get a credit card to start building credit in the US. What is my best choice? |
| Just wondering whats a good CC for an 18 year old. I plan to be a full time college student with part time job.... |
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 Missing Credit Card payment? |
My credit card payment is due on 24th March however I don't get paid until the 28th. I will pay it off in full when I do get paid but until then I can't pay a penny.
Will this ... |
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 Is there anyone out there who has alot of money and would be willing to loan or give $15,000.00 to help.? |
| i am a overweight woman who is desperately trying to recieve the lapband surgery that i believe will ultimately save my life. however i keep hitting a wall. insurance wont cover it and due to ... |
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 Question about credit cards.? |
kay, so, im only fifteen, and my mom doesnt
speak english or anything and i always have to
do basically everything for her that has to deal with
finances, anything important really. ... |
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 What should i do? please help? |
So, my husband has a lying problem. I catch him lies concerning money alot. I am pregnant, have a 6 year old son with him and love him . He lost his job in March.
The other day i realized there ... |
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 I want to begin building up credit. How do I do it? |
| I am 22 years old and I want to start building credit. I have applied for credit cards at department stores and through mail applications and I have been turned down. How do I start building my ... |
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 Will removing my ex-husband's credit card from my credit report make my score go down? |
| My credit report still erroneously show me as married and shows a new credit card (which I've never had access to or knowledge of) belonging to my ex-husband where he's carrying a balance ... |
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 Do u know what is the diference between VISA and MASTER CARD credit cards?? |
| I had checked the benefits of each one and they give you the same, but sometimes in some shops you can not pay with VISA or with Master card, does someone can tell me the diference?? ... |
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 My credit is fair to bad and I need to get a loan for $4000 where is the best place to go? |
I have a good job but just got behind during the winter months and my daughters first prom.
Thanks and God Bless
Mike C.... |
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 No one will approve me for an auto loan? |
i work a very good job and i need a 3600 dollar auto loan.
all the credit unions are denying my applications because i just turned 18 and i have no credit.
i do not have time to open a ... |
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 How can I get a debt consolidation loan in Rep. Of Ireland with bad credit history? |
Want to wipe the slate clean but having trouble getting loan. Not a homeowner.
Additional Details
Can I please stress that only Rep. of Ireland related sites are of use? Unfortunately ... |
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 Credit score went from 750 to 600? |
| My wife did not pay her personal credit card for 5 months. My credit score went from 750 to 600. I had no knowledge this was happening. Anyway I can help myself?... |
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 Why every credit card deny my application? |
| cause i have ipplied for every single credit card and they always deny it. I have a good job.... |
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bijoux | Should I cancel my unused credit card? |
So I currently have three credit cards:
-- American Express, limit of $12,100, a $2000 balance and I've had this credit card for 7 years
-- Bank of America, limit of $4000, a $0 balance, I've had this credit card for a 1 year and 8 months
-- Discover Card, limit of $6200, a $0 balance-- this is the credit card I want to cancel...should I? I've had it for 1 year and 3 months
My average credit score is 756...do you think cancelling my discover card will ruin my score? |
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rubix110
 |
No don't cancel the cards, it helps the score if you look like you can control yourself. |
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nonldsinutah
 |
Canceling cards you don't use will actually LOWER your score. What I would do it just use the ones with $0 balance to buy a tank of gas once a month just to keep them active. Then pay the balance off every month so you don't pay any interest.
Credit reporting agencies are beasts. BEASTS!!! |
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Real Estate Guy
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The reason you have a 756 score is because of these cards. DO NOT CANCEL.
You should only use about 20% of the total credit line each month. Pay in full each month. This shows that you can control your credit. |
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lacy k
 |
You applied for a loan recently and now they informed you that your application got denied! Of course, you want to know why. Well, the answer may be in a three digit number known as the credit score. The higher the number the more favorable creditors view you. Or, in other words, the lower the number the more difficult it will be for you to qualify for loans, credit cards, or any other credit you may need. And even if you qualify, the interest rate they charge you will be higher with a lower credit score. If you do get denied, or the interest rate they charge you is much higher than you anticipated, you should check to see if your credit report is the source of the problem.
In essence, your credit score reflects the data in your credit report. And the Fair Credit Reporting Act dictates that any organization that turns down your application for credit, employment or insurance, has to provide you with your credit report as long as you request it within 60 days of being notified of the rejection.
There are three nationwide consumer reporting companies (Equifax, Experian and TransUnion) that compile credit reports. You can purchase a copy of your credit report from any of these three agencies, or from other companies that offer credit reports as part of a larger package. You should not pay more than $15 for your report. Read more from: http://www.credit-card-gallery.com/article/139,Why_Is_Your_Credit_Score_So_Important |
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Classy Granny
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Canceling will lower your score. If you can control spending and not be charging beyond what you can pay in comfort, don't cancel. Just because you have the cards doesn't mean you have to use them. |
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Waferette
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As long as a card is "open" you have the ability to use/run up that amount on the credit line. Because of this, as long as it is open, it affects the amount that say, a bank would loan on a mortgage. So, it essentially has used up that amount of credit line that you have-even thought you haven't got a balance. Following that logic, closing it should open you up for a better score. On the other hand...having open credit cards that you don't use, don't really help you. They are looking for a good payment history --on time etc. If you don't ever use them, you don't really have anything except for "on hold" credit. If you are looking to improve your score, you might try paying all your bills on the card and then EVERY MONTH, pay off the balances. Only do this if you trust yourself to actually pay them off every month! If not, you could get yourself into real trouble. If you do that for a year, your score should rise. Also, having a steady job really helps. When someone pulls your CBI they look at time on the job, and it factors into your FICO score. Hope this helps. |
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googie
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Cancelling a credit card which you have never used will not ruin your credit score . The proper number of active cards depends on the holder. My Mastercard serves me well for all purchases, groceries, drug store, gasoline , department stores and even for a significant down payment on a car and the purchase of a fine diamond ring( not at the same time.) |
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heybulldog
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cancel all of them and dont obsess with the I love debt score. the only people that obsess with the I love debt score are the ones that plan on borrowing lots of money and paying lots of interest.
And that's just what it is. An I love debt score. You have to borrow lots of money and make payments on time to get a high score. You have to keep borrowing lots of money and keep making payments on time to keep a high score.
Pay as you go and live on less than you make and you will have money.
Debt free is the way to be! |
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Angie
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No it will improve it. Too many open revolving accounts is seen as a bad thing. Ideally you want three cards.... usually a gas card, one regular revolving acct. credit card, and a department store card. Try to use each one each month and pay the balance off in full each month. Sounds like you're doing all right though! |
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